vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX Balance {$1200.00}, XXXX Balance {$500.00}, XXXX XXXX {$300.00}, XXXX Balance {$1700.00}, XXXX XXXX XXXX Balance {$2400.00}, XXXX XXXX Balance {$2900.00}, XXXX Balance {$1700.00}, XXXX XXXX Balance {$3100.00}, XXXX XXXX Balance {$3600.00}, XXXX XXXX {$1700.00}, XXXXXXXX XXXX  Balance {$880.00}

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 2025-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the information regarding my account status listed as " XXXX Days Late. '' Firstly, I would like to emphasize that the account is marked as " XXXX, '' and I have fulfilled my financial obligations in a timely manner. The classification of this account as late is inaccurate and misleading. Additionally, the remarks stating " Dispute resolved reported by grantor '' and " Account closed by credit grantor '' further confirm that any issues related to this account have been addressed and resolved. Therefore, the late payment status should not reflect on my account history, as it contradicts the current standing of my account. I request that you investigate this matter thoroughly and update my records to accurately reflect my payment history. Thank you for your attention to this issue, and I look forward to your prompt response. Sincerely,

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I tried to purchase a piece of furniture from a local company and their same as cash vendor denied my loan. The application was acting funny at the store. So when I called the loan company they said my SSN was wrong. The furniture company said it was wrong on the application. Meanwhile before the furniture company knew the social was wrong they tried a different loan vendor and it was denied. Also before the original loan company figured it out, they had tried again. So I have XXXX inquiries only linked to my name. I would like to erase the inquiries and start over with the correct SSN. Which also would clear up my 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 2025-01-06 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-01-02 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX : Complaint Regarding Equifaxs Handling of Credit Report Disputes Dear CFPB, I am writing to formally file a complaint regarding XXXX handling of my credit report disputes. Equifax has repeatedly labeled my legitimate disputes as " frivolous '' and employed tactics that delay the resolution of inaccuracies in my credit report. Below, I outline the details of the situation and the specific stall tactics I have encountered : Details of the Dispute XXXX. I submitted a dispute to Equifax regarding inaccuracies in my credit report, specifically the XXXX XXXX XXXX XXXX account being inaccurately reported as Collection/ Charge off in fact is inaccurate. XXXX XXXX XXXX needs to be removed. The last Payment activity is Not XX/XX/XXXX, the last Payment to settle this account was XX/XX/XXXX. 


XXXX. Despite providing detailed documentation, including [ list evidence, e.g., settlement letters, payment receipts, etc. ], Equifax responded by labeling my dispute as frivolous without providing any explanation or evidence to support their claim. 


XXXX. I have attempted to resolve this issue through but Equifax continues to employ stall tactics, including : They can't locate a credit file, they need more identification, I've disputed too many times in the last 90 days and they won't be conducting any further investigations. 

Requesting repeated documentation that was already provided. 

Sending vague responses such as " verified as accurate '' without explaining their investigation process. 

Failing to meet the XXXX response deadline mandated under the Fair Credit Reporting Act ( FCRA ). 

Equifax 's Failure to Comply with FCRA Under the FCRA, specifically 15 U.S.C. 1681i, Equifax is required to : Conduct a reasonable investigation of disputes.

Remove or correct information that can not be verified. 

Provide clear explanations for their decisions. 


Equifax has failed to uphold these obligations, leaving inaccurate information on my credit report and harming my financial standing. 

Request for CFPB Assistance I request the CFPB investigate Equifaxs handling of my disputes and take appropriate action to ensure compliance with the FCRA. Specifically, I ask that the CFPB : XXXX. Require Equifax to conduct a proper investigation into my disputes. 


XXXX. Ensure that Equifax provides detailed explanations for their findings. 


XXXX. Hold Equifax accountable for any FCRA violations. 



Attached Documentation I have included copies of the following documents for your review : Original dispute letters sent to Equifax. 

Supporting evidence submitted with my disputes. 

Equifaxs responses to my disputes. 

Proof of mailing and delivery for all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under XXXX XXXX ( a ) to you in reference to the following account ( XXXX ) XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX THIS IS MY XXXX NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, 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 2025-01-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I applied for a home improvement project ( cost {$19000.00}. ) with XXXX XXXX who automatically sent me to Goodleap for the home improvement loan. I was not given the choice with another company which rates are more competitive. 
The project was to have the final inspection on XXXX XXXX, XXXX but the project didn't pass inspect with the city. 
I communicated with Goodleap that the project failed inspection but they still wanted payment of loan with interest rate. They stated the equipment was installed and didn't matter whether the project passed inspect or not. 
I have contacted XXXX XXXX to try to get the inspection corrected on a timely manner. They are not communicating that the project is not complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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:
" 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-02 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in to be removed.

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.

SELF FINANCIAL/LEAD BA AND SELF/ATLANTIC CAPITAL never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX 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! 

Delete 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 2025-01-02 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: WI

Complaint narrative:
My personal information has been exposed in a data breach. Due to this mishap i have several accounts that DO NOT belong to me. Here are the accounts listed 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: NY

Complaint narrative:
Trans Union has reduced my Fico Score down to XXXX points!! There's no proof of late payments and I am up to date on my credit cards. They have not explained the cause for this! I want them investigated expeditiously! 
I work hard to improve my credit score and they play with people 's lives by doing this! 
I need my credit score restored back and XXXX points increased! 
How dare you be so comfortable with causing me stress!

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Glasser and Glasser, PLC
State: CA

Complaint narrative:
A {$500.00} line of credit was opened with XXXX in XXXX by someone who gave an address in XXXX, Maryland. I've never lived in XXXX Maryland. In fact, I have been living in the state of California and have not left the state at all since XXXX. Someone at XXXX XXXX  told me that they do not require a photo ID to open a line of credit. Therefore, they have no idea who opened that account. The {$500.00} line of credit has ballooned to XXXX, And that is being reported monthly on my credit report. XXXX XXXX  advised me to contact their collection attorneys, XXXX XXXX  XXXX. Three attempts to do that have failed. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I called and got a message that no one was available and that I should leave a message, which I did with all of the relevant information, and requested a call back. None was forthcoming. This is the only negative item on my credit report and it is messing up my credit score. I want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

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 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc.
State: DE

Complaint narrative:
Account Details Account Holder : XXXX XXXX XXXX Address : XXXX XXXX  XXXX, XXXX, DE XXXX Account Number : XXXX Account Type : Checking Account Bank : Mercury.com In Cooperation With : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing to formally address a serious issue regarding the closure of the above-referenced account on XX/XX/year>2024. Despite the account being closed, the funds have not been transferred or returned to us as promised. 

To date, I have opened two support tickets ( XXXX and XXXX ) to resolve this matter. However, I have received NO response. Additionally, I have sent three follow-up emails, all of which remain unanswered. 

This lack of communication and failure to release our funds is unacceptable and is causing significant inconvenience to our business operations. I have requested an immediate update on the status of our funds, along with clear instructions on how to expedite the resolution of this matter but the bank has not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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