vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: SC

Complaint narrative:
I have been a victim of XXXX data breach and my personal information was stolen and used to open these accounts. I have contacted XXXX to investigate these accounts for months and they have done nothing about it! These are the name of the accounts XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX 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 2024-12-26 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: SC

Complaint narrative:
I have been a victim of XXXX data breach and my personal information was stolen and used to open these accounts. I have contacted XXXX to investigate these accounts for months and they have done nothing about it! These are the name of the accounts XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX  XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX 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 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I card was hacked on XX/XX/2024 and after 4 criminal fraud charges, overdraft fees and international fees I was wiped XXXX XXXX. That was all the money in my account. I have been battling against Bank of America since. The process is difficult to update supporting documentation to help my case with Bank of America. I have now filed a police report since to support my claim. XXXX  the 4 transactions- they were related to 2 XXXX  flights and charges for XXXX ( a XXXX/food ordering service only available within the XXXX ) . I have provided my driver 's license and passport to Bank of America, proving I did not step foot into XXXX ever in my life. They have denied my claim once before but I resubmitted for it to be revaluated.

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 monetary relief
Consumer complaint received 2024-12-26 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: MI

Complaint narrative:
My account with XXXX XXXX TRANSUNION 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. 


XXXX XXXX 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 2024-12-26 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: MI

Complaint narrative:
My account with XXXX EXPERIAN XXXX 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. 


XXXX EXPERIAN XXXX 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 2024-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
On multiple occasions, beginning in XX/XX/year>, I have requested information to validate the veracity of this debt. I am legally due this validation within 30 days of request and CREDIT SYSTEMS INTL IN has failed to provide this information after multiple requests.

I have asked for written validation, all invoicing, evidence of all payments made by the insurance provider & all payments made by myself to be sent to my home address. This has not been provided.

I have also asked for proof of the authority of CREDIT SYSTEMS INTL IN to collect on this debt and to report to my personal credit report, again this has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I purchase a sound bed via XXXX never received product so I cancelled however Affirm reported that I was 60 days late I still had a balance I asked how can I have a balance when canceled I keep getting the run around please advise. So I paid the balance and rep told me that the 70 day late would be removed I called today XX/XX/year> and been on hold for over. XXXX  please Advise

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: PA

Complaint narrative:
I reached out to equifax several times with hard inquires that were done by someone that stole my identity and I provided them with the FTC report and they are still refusing to remove the hard inquires. I have attached the FTC Report and listed all hard inquires below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ALSO MULTIBILE EMAILS WERE CREDIT BY SOMEONE THAT HACKED INTO MY PC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I made a charge of {$200.00} for clothing on XXXX I noticed after I hit the charge that it was a Russian website. I called bank and they said wait two days. I filed a dispute on line. The money was credited to my card and now has been recharged. I do not want to manage this situation with the bank and need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-26 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number XXXXXXXX XXXX number : 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 2024-12-26 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: SC

Complaint narrative:
" The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
on XXXX of XXXX, I contacted Bank of America to set up auto payments for my account ending in XXXX. When I called they said it may take 2 months for the auto payments to take place so I have started to do manual payment for a few months but in XXXX & XXXX I have travelled to XXXX for a family emergency and I have thought the auto payments would take care of the monthly payment in XXXX but system did not trigger auto payments, causing a 30- day late mark for month of XXXX. Also, my credit card has expired in XXXX XXXX  and have not received a new card from Bank of America and this could have also caused for the auto payment issues due to the card expiration. 

I have a reached out to Bank of America to dispute this and they have said they have sent this information to the credit Bureaus but have not gotten any resolution yet. 

I have worked so hard to keep my score above XXXX and because of this error my score has dropped from XXXX to XXXX on XX/XX/XXXX. This is impacting our plans to secure a mortgage. I have a strong payment history and ask for understanding to restore my credit report and to remove the XXXX - day late mark caused by auto payments issue.

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 monetary relief
Consumer complaint received 2024-12-26 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 file a formal complaint regarding an issue I have encountered with XXXX, XXXX and Transunion. Specifically, I have not received a proper method of verification regarding several disputed items on my credit report which include XXXX, XXXX XXXX, XXXX and XXXX that are on my Transunion credit report. I have also asked for my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) on this Santander Account that was put on my credit report, I also asked XXXX, XXXX and Transunion credit bureau to provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency on XXXX XXXX XXXX  and have not gotten a response. Despite my formal request Im not getting any results. On XXXX XXXX XXXX I got an email from XXXX  stating, We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. Which to me doesn't make sense because I sent a dispute letter that was accepted with the same address and telephone number. I believe they are trying to stall. On XXXX XXXX XXXX I got another email from Transunion stating, It's been five days since we received your dispute and were still waiting for a response from your creditor ( s ). Well continue to keep you updated on this status. I didn't request a dispute. I requested a Method Of Verification for these claims on my credit report. I also haven't gotten a response from XXXX about my consumer disclosure request for this alleged debt by the creditor XXXX. Transunion has failed to provide the requested details within the legally required timeframe. 
This lack of responses undermines my ability to ensure the accuracy of my credit report and violates my rights under the FCRA. I am seeking your assistance to investigate this matter and hold the credit bureau ( XXXX ) accountable for their non-compliance. Please let me know if you require additional details or documentation to proceed with this complaint. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-12-26 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding an issue I have encountered with XXXX, Equifax and XXXX. Specifically, I have not received a proper method of verification regarding several disputed items on my credit report which include XXXX, XXXX XXXX, XXXX and XXXX that are on my XXXX credit report. I have also asked for my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) on this Santander Account that was put on my credit report, I also asked XXXX, Equifax and XXXX credit bureau to provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency on XXXX XXXX XXXX  and have not gotten a response. Despite my formal request Im not getting any results. On XXXX XXXX XXXX I got an email from XXXX stating, We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. Which to me doesn't make sense because I sent a dispute letter that was accepted with the same address and telephone number. I believe they are trying to stall. On XXXX XXXX XXXX I got another email from XXXX stating, It's been five days since we received your dispute and were still waiting for a response from your creditor ( s ). Well continue to keep you updated on this status. I didn't request a dispute. I requested a Method Of Verification for these claims on my credit report. I also haven't gotten a response from Equifax about my consumer disclosure request for this alleged debt by the creditor XXXX. XXXX has failed to provide the requested details within the legally required timeframe. 
This lack of responses undermines my ability to ensure the accuracy of my credit report and violates my rights under the FCRA. I am seeking your assistance to investigate this matter and hold the credit bureau ( s ) accountable for their non-compliance. Please let me know if you require additional details or documentation to proceed with this complaint. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with me.

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 2024-12-26 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: PA

Complaint narrative:
I am writing to follow up, yet again, on my previous dispute regarding multiple inaccuracies, discrepancies, and unauthorized accounts listed on my credit report. Despite my urgent requests, there has been no adequate resolution or confirmation of the removal or verification of the erroneous entries mentioned on my letter.

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