vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly eliminate these queries. I lack any information on them, and the company proceeded without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to follow up the hard inquiries that I am disputing with your department. 

XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
A debt is on my credit report thats not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
On XX/XX/year> ( due date of payment ) I made the due payment amount of XXXX by automated system by phone to : Concora Credit XXXX XXXX XXXX XXXX OR XXXX Indigo Mastercard issued by XXXXXXXX XXXX, a XXXX XXXX XXXX, serviced by Concora Credit Inc . 

XXXX www.indigocard.com I paid using checking account number and routing number. 

Five days later, after noting my payment had not been posted to my credit card account, I called customer service to inquire as to why. I was told it could take up to 14 days for the payment to post. When I asked why, I was told it depended upon the computer system and might or might not occur every month when payment was made. 

I received a letter dated XX/XX/year> ( received on XX/XX/XXXX ) stating that payment dated XX/XX/year> for XXXX was not honored by financial institution and has been reversed from Indigo Mastercard account. 

As well as, in accordance with account agreement, a returned payment fee may have been applied to account. 

The XXXX payment is listed on online checking account as a cleared payment posted on XX/XX/year> ACH to Concora Credit, payment ID XXXX On XX/XX/year> I contacted said creditor by phone to inform them of this posted payment information. I was informed that the payment was showing on their end as not processed and returned with a returned fee of XXXX added to my account. 

Upon nothing being resolved or any information being requested, I asked the call to be escalated to a manager. Said manager repeated the same information as was already stated then requested a fax to be sent showing posted payment on bank account letterhead. He gave me a fax number of XXXX, refused to give me the name of a contact person and recipient of fax, refused to provide an email address and stated to address the fax to the " back office ''. I inquired of when I would receive a response and was told within 14 days. 

End of conversation. I received no confirmation of any sort establishing this contact or how I would be contacted within 14 days. 

At this point, I am wary of sending any personal information ( including a bank account document ) to Comcora. 

Please provide information on this creditor as well as possible avenues to resolve this situation before it affects my credit rating. 

Thank you very much, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
This is the second mortgage company they have passed the loan to and even though I fought and paid for the first mortgager, XXXXXXXX XXXX. I provided them these same documents and they did not update the loan. 

I provided the company Fay Servicing with the required documents to assume the loan because my Mom passed away. On XX/XX/XXXX, I provided court documents stating I was the executor of the property. They also made me provide a copy of my drivers license, birth certificate, and my Mom 's death certificate. Those documents were not enough and in XXXX XXXX they wanted a copy of my marriage certificate which I sent them. Now they want me to do a quit claim deed. I was told by the court that the paperwork from probate court serves as the deed. 

I have tried to make payments, XXXX, XXXX and XX/XX/XXXX with increasing amounts and they have returned them. They also charged me for insurance even though I maintain insurance on the property since XXXX and it has their name on it as a lien holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the late payments reported on my account with XXXX XXXX for the month of XXXX, XXXX, XXXX I have been a diligent and responsible customer with XXXX XXXX, and I am confident that these late payments are inaccurately reflecting on my credit report. 
On the mentioned dates, my payments were set for automatic deduction from my phone payment. As per the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C 1666B, the timing of payment is crucial in determining the accuracy of reported information. It is evident that the delay in processing these payments lies with XXXX XXXX rather than any negligence on my part. 
I kindly request that this account be investigate and this account matter thoroughly and remove these late payments from my credit report promptly. It is essential to uphold the accuracy and fairness of credit reporting as mandated by federal law. 

I appreciate your attention to this matter and look forward to a swift resolution. Please provide me with written confirmation once this dispute has been resolved. 

Thank you for your prompt assistance in rectifying this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It's important I don't have this account on my credit report because it doesn't belong to me and appears to be a scam. In order to correct these errors as quickly as possible kindly remove them to my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear Sir/Madam, I am writing to request the removal of a late payment entry from my credit report. Upon reviewing my credit report, I noticed that there is a late payment listed for Account : XXXX XXXX XXXX XXXX ] for the month of XX/XX/2019. I believe this entry is inaccurate and unfairly affecting my credit score.I have been a responsible and diligent borrower, and this late payment does not reflect my payment history accurately. I have attached evidence, such as bank statements or payment receipts, to demonstrate that the payment in question was made on time.I kindly request that you investigate this matter and remove the erroneous late payment entry from my credit report as soon as possible. Doing so will ensure that my credit report accurately reflects my financial responsibility and will help me maintain my creditworthiness.Please feel free to contact me if you require any further information or documentation to assist with your investigation. I appreciate your prompt attention to this matter.

I want you to update the payment history on this account that is affecting my credit reputation and this account was paid in full with no late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear Sir/Madam, I am writing to request the removal of a late payment entry from my credit report. Upon reviewing my credit report, I noticed that there is a late payment listed for Account : XXXX XXXX XXXX XXXX ] for the month of XX/XX/year>. I believe this entry is inaccurate and unfairly affecting my credit score.I have been a responsible and diligent borrower, and this late payment does not reflect my payment history accurately. I have attached evidence, such as bank statements or payment receipts, to demonstrate that the payment in question was made on time.I kindly request that you investigate this matter and remove the erroneous late payment entry from my credit report as soon as possible. Doing so will ensure that my credit report accurately reflects my financial responsibility and will help me maintain my creditworthiness.Please feel free to contact me if you require any further information or documentation to assist with your investigation. I appreciate your prompt attention to this matter. 
I want you to update the payment history on this account that is affecting my credit reputation and this account was paid in full with no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear Sir/Madam, I am writing to request the removal of a late payment entry from my credit report. Upon reviewing my credit report, I noticed that there is a late payment listed for Account : XXXX XXXX XXXX XXXX ] for the month of XX/XX/2019. I believe this entry is inaccurate and unfairly affecting my credit score.I have been a responsible and diligent borrower, and this late payment does not reflect my payment history accurately. I have attached evidence, such as bank statements or payment receipts, to demonstrate that the payment in question was made on time.I kindly request that you investigate this matter and remove the erroneous late payment entry from my credit report as soon as possible. Doing so will ensure that my credit report accurately reflects my financial responsibility and will help me maintain my creditworthiness.Please feel free to contact me if you require any further information or documentation to assist with your investigation. I appreciate your prompt attention to this matter. 
I want you to update the payment history on this account that is affecting my credit reputation and this account was paid in full with no late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These inquiries are not connected to me, and I did not give permission for them. I'm asking you to delete them from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Had a hard inquiry to Transunion credit report on XX/XX/XXXX. XXXX XXXX XXXX. Called on XX/XX/XXXX, spoke with XXXX and explained I did not request or authorize a card or credit check. XXXX stated the looks like identity theft and would block the account and report it. Also he would have the inquiry removed from Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I've never made these accounts, and very strongly suspect them to be frauds. Do a thorough investigation and have them removed from my credit report without delay. I have provided documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've noticed discrepancies in my payment history with XXXX XXXX XXXX as recorded on my credit report. My transaction history shows consistent payments, but my credit report indicates multiple late payments over 30 days. This includes incorrect listings in XXXX and XX/XX/XXXX, and XX/XX/XXXX. According to my transaction history, all payments were made on time. The listed late payments are inaccurate and have negatively affected my credit score. I request that XXXX XXXX XXXX reviews my account and corrects these errors. Please find the attached transaction history as evidence for the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've noticed discrepancies in my payment history with XXXX XXXX XXXX as recorded on my credit report. My transaction history shows consistent payments, but my credit report indicates multiple late payments over 30 days. This includes incorrect listings in XXXX and XX/XX/XXXX, and XX/XX/XXXX. According to my transaction history, all payments were made on time. The listed late payments are inaccurate and have negatively affected my credit score. I request that XXXX XXXX XXXX reviews my account and corrects these errors. Please find the attached transaction history as evidence for the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I contend that the late payment entry is inaccurate. 

Under the FDCPA, it is my right to request validation of this debt and proof of the alleged late payment. 

I urge your agency to conduct a thorough investigation into this matter and provide me with the following information : Documentation confirming the date and amount of the alleged late payment. 


Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation and resolving this dispute expediently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I contend that the late payment entry is inaccurate. 

Under the FDCPA, it is my right to request validation of this debt and proof of the alleged late payment. 

I urge your agency to conduct a thorough investigation into this matter and provide me with the following information : Documentation confirming the date and amount of the alleged late payment. 


Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation and resolving this dispute expediently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I didn't initiate these inquiries, and I don't have any relationships with the creditors. I'm asking that they be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax recently responded to my original complaint requesting certain info not be shared on my credit report pursuant to 15 USC 6802 and my RIGHT to opt out. Equifax complied and removed XXXX accounts but responded that an XXXX XXXX account was verified by XXXX XXXX, clearly violating me as a protected consumer! I am demanding a description of Equifax 's procedure to verify this account including a copy of any correspondence received from XXXX XXXX to " verify '' anything on my behalf. Additionally this is muy second request for Equifax to delete this account. At this point, Equifax is willingly noncompliant with the FCRA and violating me as a consumer. I am more than willing to assert my rights and pursue this legally if it can not be resolved ASAP

Company response to consumer: Closed with explanation