vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: LA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I was shocked to discover that I have been a victim of identity theft. Several accounts, which I did not authorize or open, were listed on my report. This situation has severely impacted me, especially as I am currently in the process of securing a home for my family. I kindly request the prompt removal of all fraudulent accounts from my credit report to mitigate further harm. Your immediate attention to this matter is greatly appreciated.

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 2024-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover bank contacted my employer about garnishing my wages. And gave them documents about a court case I was not informed of. On the papers it has an address I do not live in. Also I was never contacted about this debt or a court case directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: NV

Complaint narrative:
Re : Reinsertion Of previously deleted Inaccurate/invalidated items Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted, and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation.

( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 

Account : XXXX XXXX XXXX, XXXX XXXX XXXX Thank you for your time and help in this matter.

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 2024-11-22 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: GA

Complaint narrative:
XX/XX/2024 Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and disappointment with the persistent inaccuracies on my credit report, specifically regarding my XXXX XXXX XXXXXXXX account, account number XXXX. Despite multiple attempts to dispute these errors with TransUnion, XXXX, and XXXX, as well as XXXX XXXX XXXX, the problems persist. 

Specific Issues : Inconsistent Account Status : The XXXX XXXX XXXXXXXX account is erroneously reported as both " Charged Off '' and " Never Late. '' Inaccurate Balance : The reported balance of {$150.00} is inconsistent with the {$450.00} written off. 
Misleading Payment History : The payment history provided is confusing and does not accurately reflect the true payment timeline. 

Incorrect Closure Reason : The stated reason for closure, " closed at credit grantor 's request, '' is inaccurate and misleading. 

These inaccuracies have negatively impacted my credit score and my ability to obtain credit, housing, and other financial services. I have experienced significant stress and financial hardship as a result of these errors. 

I have repeatedly contacted TransUnion, XXXX, and XXXX to dispute these inaccuracies. Despite their claims of investigating and resolving the issues, the incorrect information remains on my credit report. I have also contacted XXXX XXXX XXXXXXXX to address these discrepancies, but their efforts have been unsuccessful. 

I am deeply concerned that the CFPB has failed to hold the credit bureaus accountable for their repeated failures to correct these inaccuracies. It is disheartening to see that the CFPB is not fulfilling its role in protecting consumers ' rights. 

I urge the CFPB to take immediate action to investigate these matters and compel TransUnion, XXXX, and XXXX to correct the inaccurate information on my credit report, specifically regarding the XXXX XXXX XXXXXXXX account, account number XXXX. I believe that the credit bureaus ' failure to accurately report my credit information violates the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention to this urgent matter. 

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 non-monetary relief
Consumer complaint received 2024-11-22 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: GA

Complaint narrative:
XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and disappointment with the persistent inaccuracies on my credit report, specifically regarding XXXXXXXX XXXX XXXX  XXXX account, account number XXXX. Despite multiple attempts to dispute these errors with XXXX, XXXX, and Equifax, as well as XXXX XXXXXXXX XXXX, the problems persist. 

Specific Issues : Inconsistent Account Status : The XXXX XXXX XXXXXXXX account is erroneously reported as both " Charged Off '' and " Never Late. '' Inaccurate Balance : The reported balance of {$150.00} is inconsistent with the {$450.00} written off. 
Misleading Payment History : The payment history provided is confusing and does not accurately reflect the true payment timeline. 

Incorrect Closure Reason : The stated reason for closure, " closed at credit grantor 's request, '' is inaccurate and misleading.

These inaccuracies have negatively impacted my credit score and my ability to obtain credit, housing, and other financial services. I have experienced significant stress and financial hardship as a result of these errors. 

I have repeatedly contacted XXXX, XXXX, and Equifax to dispute these inaccuracies. Despite their claims of investigating and resolving the issues, the incorrect information remains on my credit report. I have also contacted XXXX XXXX XXXXXXXX to address these discrepancies, but their efforts have been unsuccessful. 

I am deeply concerned that the CFPB has failed to hold the credit bureaus accountable for their repeated failures to correct these inaccuracies. It is disheartening to see that the CFPB is not fulfilling its role in protecting consumers ' rights. 

I urge the CFPB to take immediate action to investigate these matters and compel XXXX, XXXX, and Equifax to correct the inaccurate information on my credit report, specifically regarding the XXXX XXXX XXXXXXXX account, account number XXXX. I believe that the credit bureaus ' failure to accurately report my credit information violates the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection/Chargeoff from XXXX  XXXX with a balance of $ XXXXXXXX XXXX with a balance of {$9400.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-22 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: TX

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts and have no knowledge of their origins. Per USC 1681g, I formally request their removal within 15 days. Attached are the relevant documents for your review.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a credit card at Capital One, called SAVOR. On the website, they said there's a welcome XXXX $ bonus after spending XXXX $ during the first 3 months. So I followed the link, pre-approved, submitted all the documents. Then they said I've approved and mailed me the credit card. 

But it turns out that, they gave me the different tier but same product ( Good Credit tier of credit card instead of Excellent tier ) which doesn't has the welcome bonus. They didn't inform or notice me through phone call, mail or e-mail 'AT ALL '. If I would have known that before, I wouldn't accept the credit card. 

Now I've already used their credit card and would like to report a scam or misleading information just to sell their product.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: NJ

Complaint narrative:
15 USC 6801 requires financial institutions to protect the confidentiality of customers ' nonpublic personal information.

15 USC 1681 Section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish a consumer report with the consumer 's written consent.

15 USC 6802 ( b ) ( c ) requires that financial institutions provide clear explanations of nondisclosure options before sharing personal information with third parties.

15 USC 1681C ( a ) ( 5 ) prohibits reporting adverse items older than seven years.

15 U.S. Code 1681s2 ( A ) ( 1 ) forbids furnishing inaccurate consumer information.

12 CFR 1016.7 affirms that consumers may opt out of reporting services at any time.

Therefore, I am formally : Revoking all prior consent for information sharing Demanding cessation of all reporting activities Asserting my right to privacy and data protection All referenced consumer reporting agencies and information furnishers are hereby notified to immediately cease and desist all information reporting and sharing related to my personal financial information.

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 2024-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: MD

Complaint narrative:
Hello, Around XX/XX/year> I realized over 30 of my XXXX XXXX  were missing on my crypto.com/XXXX  wallet. The XXXX XXXX  was upgraded and there was no communications, instructions, or any type of warning to make adjustments with our XXXXXXXX XXXX. I've spoke with over 5 different customer service reps and they have absolutely not been able to give me any answers accept that they will inform me in 45 days. I immediately let them know that that's theft and not acceptable. Crypto.com customer agent said they don't deal with XXXX XXXX which is a lie because the XXXX XXXX  is the only wallet connect for them. The XXXX want explain where my stuff went or how to even recover it. There trying to Refund me and put there on Price on some I know is now priceless. They are trying to stealing from me and think I will quit. I've had issues before that I had to file multiple complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts and have no knowledge of their origins. Per USC 1681g, I formally request their removal within 15 days. Attached are the relevant documents for your review.

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 2024-11-22 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: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently observed all three credit reports with my name, my address, and job inaccurately being reported. Equifax, XXXX, and XXXX received copied proof for my reports to be corrected by now. I sent copies of my Driver License, my Voter Registration Card, Social Security Card, and my XX/XX/year> Final Divorce Dissolution signed by Senior Judge XXXX XXXX XXXX. To this date nothing has been corrected and errors continue to be reported even though every agency has been made aware of the incorrect reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I submitted a request to remove information from my credit profile that was not authorized to be shared on my report.

Company response to consumer: Closed with explanation