vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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.

TRANSUNION 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 non-monetary relief
Consumer complaint received 2025-02-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> and XX/XX/year> I received an email that a new inquiry was just added to your credit report. 
I have not requested any bank or credit card applications. I have not provided this information. I have a case with the Police Department where I was a victim of theft in which my personal information was included. An alert has also been placed on my credit reports but at the moment it has not worked, therefore I request that my credit be frozen since these movements are suspicious and I do not want to see my credit affected. At the moment Transunion and Experian obtain this information EMAILS : 1. A new inquiry was just added to your Transunion credit report.

" This could affect your score, but the change will make less of an impact over time.

Be sure to check to see if this information is accurate. If you didn't give anyone permission to check your credit, then you can file a dispute with the credit bureau. '' 2. Note : A lender requested a copy of your credit file. 

Visit the XXXX XXXX XXXX Alerts section to review a recent change in your TransUnion credit report. To protect your privacy, we have not included confidential information in this email. 
Log in soonkeeping an eye on your credit can help defend you from possible fraud or identity theft. They obtained this 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 2025-02-25 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: TX

Complaint narrative:
On XX/XX/year> and XX/XX/year> I received an email that a new inquiry was just added to your credit report. 
I have not requested any bank or credit card applications. I have not provided this information. I have a case with the Police Department where I was a victim of theft in which my personal information was included. An alert has also been placed on my credit reports but at the moment it has not worked, therefore I request that my credit be frozen since these movements are suspicious and I do not want to see my credit affected. At the moment Transunion and Experian obtain this information EMAILS : 1. A new inquiry was just added to your Transunion credit report.

" This could affect your score, but the change will make less of an impact over time.

Be sure to check to see if this information is accurate. If you didn't give anyone permission to check your credit, then you can file a dispute with the credit bureau. '' 2. Note : A lender requested a copy of your credit file. 

Visit the XXXX XXXX XXXX Alerts section to review a recent change in your TransUnion credit report. To protect your privacy, we have not included confidential information in this email. 
Log in soonkeeping an eye on your credit can help defend you from possible fraud or identity theft. They obtained this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Americor Funding, LLC
State: NY

Complaint narrative:
When Covid first happens, I lost my job and was unable to pay my creditors. I resorted to a company called Americor who took over my credit card debt to settle them for 50 % or less and I've been paying a Americor unfortunately it was not brought to my attention that it would make my credit card account go delinquent and it has suffered. My credit score tremendously, even though I'm paying every single month on time to Americor it's still not reflecting as a positive thing on my credit report. I am a single mom of two and I'm struggling to make ends meet with very little resources. I would appreciate it if these creditors could understand and do their best to help me settle or negotiate these debts to something that I can handle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IN

Complaint narrative:
XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been trying to rectify a very important issue with Citibank, but have not been successful due to being ignored and sent around from department to department. NO ONE WANTS TO HELP ME!!! 

PEOPLE I HAVE SPOKEN WITH IN THE DEPARTMENT : XXXX, XXXX & XXXX WHO HAVE GIVEN ME CONFLICTING STORIES. 

CITIBANK DAILY DEALS - I AM BEING BLOCKED FROM GETTING THEM! 

Citibank Online - My Deals I have called at least XXXX times and was first told, NO, NOTHING IS WRONG WITH YOUR ACCOUNT, YOU'RE NOT GETTING THE OFFERS FAST ENOUGH. I HAVE WENT ON AT EXACTLY XXXX XXXX XXXX AND THE SECOND I HIT THE BUTTON, IT SAYS SOLD OUT!! 

I HAVE XXXX SCREEN SHOTS OF THE TIMES I HIT THE BUTTON AT XXXX XXXX ON THE DOT. 

THEN THIS IS WHAT I WAS TOLD AND WHAT HAPPENED : XXXX. YOU ARE BEING BLOCKED BECAUSE WE WANT TO GIVE OTHER PEOPLE A CHANCE TO GET THE OFFERS. YOU GOT TOO MANY LAST YEAR. 

XXXX. IT'S SUPPOSED TO BE ON A FIRST COME FIRST SERVED BASIS. LAST YEAR, I GOT THE GIFT CARDS ESILY. THIS YEAR I HAVE RECIEVED ONLY A FEW IN 2 MONTHS. 

XXXX. OH, YES, WE HAD GLITCHES WITH THE PROGRAM. AFTER I WAS TOLD NOTHING IS WRONG. 

XXXX. I HAVE SPOKEN TO XXXX, THE HEAD OF THE DEPARTMENT WHO HAS LIED TO ME AND SENT ME TO 'CARD SERVICES ' WHICH KNEW NOTHING ABOUT THE DAILY DEAL. ALL XXXX DID WAS WASTE MY TIME. HE MAYBE NEEDS TO BE RE-TRAINED ON HOW TO HANDLE SITUATIONS LIKE THIS. 

XXXX. I AM VERY DISAPPOINTED IN HOW I'VE BEEN TREATED, I AM CLEARLY BEING DISCRIMINATED AGAINST, LIED TO AND SCREWED AROUND WITH AND I DON'T APPRECIAT IT!!! 

XXXX. I'M JUST REQUESTING EQUAL TREATMENT AND NOT GETTING IT. I AM BEING TREATED UNFAIRLY. 

XXXX. THE RULES TO NOT SAY YOU ARE LIMITED TO ANY AMOUNT OF GIFT CARD. 

I WANT MY ACCOUNT FIXED NOW WHERE I AM ABEL TO GET ANY GIFT CARD I GET ON A FIRST COME, FIRST SERVED BASIS!!!!

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 2025-02-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Subject : Request for Removal of Inquiry Due to Data Breach Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of an inquiry listed on my credit report under kia finance XXXXXXXX XXXX XXXX XXXX XXXX XXXX due to a recent data breach that has resulted in the unauthorized use of my personal information. The data breach, which I was a victim of, has caused significant damage to my credit, and I am requesting that any inquiries associated with this event be promptly removed. Under 15 U.S.C. 1692cc, I understand that I have the right to dispute any inaccurate or unauthorized information appearing on my credit report, particularly as it relates to practices such as unlawful or improper inquiries due to identity theft or a data breach. In addition to this legal framework, I would like to emphasize the harmful impact that this situation has had on my financial wellbeing and the need for swift action to rectify the situation. The inquiry in question was made without my consent, and I have already taken steps to report the data breach to the relevant authorities, including the Federal Trade Commission ( FTC ) and other consumer protection agencies. As such, I kindly request that you investigate this issue and remove the inquiry from my credit report at your earliest convenience. Should you require any further documentation, such as a police report or proof of the data breach, please let me know, and I will be happy to provide it. Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this Make sure to include any relevant details, such as the date of the breach and the specific inquiry in question, as applicable. Also, consider including any supporting documents, such as a police report or any notices from the company involved in the data breach. 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 2025-02-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2025-02-25 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: AZ

Complaint narrative:
I recently noticed an inquiry on my credit report that I do not recognize or recall authorizing. I never applied for credit with this company, nor did I give them permission to access my report. This unauthorized inquiry is extremely concerning, as I believe it to be fraudulent. It has caused me a great deal of stress and anxiety, leaving me worried about how and why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-25 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have no knowledge of these accounts. These accounts are not mine. Please verify with signed documents stating I have an account with these collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull city financial solutions account XXXX This Account listed below is a complete VIOLATION of the NO SURPRISES ACT, DELETE the listed account ( s ) Below IMMEDIATELY from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I, XXXX XXXX, hereby authorize this dispute. It is important to note that this dispute was not sent by an unauthorized third party or \ '' XXXX XXXX '' I am writing to dispute the late payments listed on my account and request an update of their status to " paid on time, '' in accordance with the provisions outlined in the Fair Credit Billing Act, specifically under 15 USC 1666b . 1. XXXX XXXXXXXX XXXX  Account Number : XXXX As per my rights under this federal statute, I am entitled to dispute any billing errors, including late payments, and request corrections to ensure accurate reporting. Additionally, I want to remind you of the requirements set forth in 15 USC 1637 and 1637b, commonly known as the " Billing Error Resolution Procedures '' and " Billing Error Resolution Act, '' respectively. According to 15 USC 1637, before any late payments are furnished to my credit report, I should receive a notice in the mail requiring disclosure or the 1637b disclosures at least 21 days prior to reporting. Failure to provide this notice renders any alleged late payments non-existent and not applicable for credit reporting purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
I, XXXX XXXX, hereby authorize this dispute. It is important to note that this dispute was not sent by an unauthorized third party or \ '' XXXX XXXX '' I am writing to dispute the late payments listed on my account and request an update of their status to " paid on time, '' in accordance with the provisions outlined in the Fair Credit Billing Act, specifically under 15 USC 1666b . 1. XXXX XXXXXXXX XXXX  Account Number : XXXX As per my rights under this federal statute, I am entitled to dispute any billing errors, including late payments, and request corrections to ensure accurate reporting. Additionally, I want to remind you of the requirements set forth in 15 USC 1637 and 1637b, commonly known as the " Billing Error Resolution Procedures '' and " Billing Error Resolution Act, '' respectively. According to 15 USC 1637, before any late payments are furnished to my credit report, I should receive a notice in the mail requiring disclosure or the 1637b disclosures at least 21 days prior to reporting. Failure to provide this notice renders any alleged late payments non-existent and not applicable for credit reporting purposes.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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