vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: PA

Complaint narrative:
To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX  Date of inquiry : XX/XX/year> XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account 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 2024-11-15 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: FL

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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! 

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 non-monetary relief
Consumer complaint received 2024-11-15 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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! 

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 2024-11-15 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: NC

Complaint narrative:
My credit report is showing a collection account from a debt collector that I never gave permission signature to collect on this debt. The collection is from XXXX XXXX XXXX account # XXXX. I never received written notification about this debt so, I am also requesting debt validation, in this debt validation I am asking for a detailed list of history of payments, the signature I put on the contract guaranteeing that I pay this debt to them, I want to see proof that you have chain of title to collect on this debt according to U.S code 1692 this collection needs to be removed immediately. 

attached is my passport and driver 's licenses. Thank you.

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 2024-11-15 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: NC

Complaint narrative:
My credit report is showing a collection account from a debt collector that I never gave permission signature to collect on this debt. The collection is from XXXX XXXX XXXX account # XXXX. I never received written notification about this debt so, I am also requesting debt validation, in this debt validation I am asking for a detailed list of history of payments, the signature I put on the contract guaranteeing that I pay this debt to them, I want to see proof that you have chain of title to collect on this debt according to U.S code 1692 this collection needs to be removed immediately. 

attached is my passport and driver 's licenses. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
My account was locked after I attempted to withdraw my funds. Robinhood informed me that they needed 5 days to review my account and stated the issue would be resolved by XX/XX/year>. However, on XX/XX/year>, the issue was not resolved. Instead, Robinhood claimed they attempted to call me, but the date they referenced for the call was XXXX date in the future, which is clearly impossible. 

Later that same day, Robinhood requested additional documentation for verification. I promptly uploaded everything they asked for, including my ID, pictures of myself, and banking documents. They then said my account would be resolved by XX/XX/year>. However, on that date, not only was the issue still unresolved, but my trading privileges were restricted. 

I waited hours for a telephone call after requesting one. When I finally spoke to a customer service representative, I provided even more private information and answered all their verification questions. Despite this, they claimed my account would be resolved, and the hold removed. However, within the app, the resolution date was simply pushed another 5 days into the future. My funds remain frozen, and I am unable to trade. 

There is no effective customer support or reliable way to contact anyone at Robinhood. I am concerned my funds will be held indefinitely, as I have read similar stories from other users experiencing the same issue. This is unacceptable, especially since I have already provided all the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: CA

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: TX

Complaint narrative:
The late payments on my report don't match my history. Correct these inaccuracies, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove 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
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hatfield, Inc.
State: VA

Complaint narrative:
I am submitting this complaint regarding a debt reported on my credit report for an account I do not know or know of. I have never received any communication or documentation from the creditor regarding this account, and I believe it is either inaccurately reported or the result of identity theft or an error. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of a debt. I have not received any validation or evidence proving that this account belongs to me. Furthermore, the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) mandates that credit reporting agencies ensure the accuracy of the information they report. Reporting an unverified or unauthorized debt violates this federal requirement. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that the debt is removed from my credit report unless the creditor can provide verifiable proof that it is valid and belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
About 2 weeks ago I was contacted by XXXX XXXX XXXX XXXX. They said i owed a credit card debt of over {$7000.00}. I told them man I hadn't had any credit card with that kind of limit ever in my entire life. In fact I'd only had 1 credit card ever and it had a {$300.00} limit so he was very mistaken. I told him I wanted to see the paperwork from when the card was opened with signatures and any supporting documentation. He told me I would be served within 48 hours with a court date. I waited and nothing came. I called them back and asked where the paperwork was and the lady was rude and only wanted to discuss how I was going to pay the debt. In installments or a lump sum? I told her neither!! On XX/XX/2024 i received a automated call stating they were going to send a skip tracer after me and I hung up and called them right back. I spoke to an actually nice man that emailed me a letter with the original account number and the company that I was supposed to have owed this debt to. I contacted the company and gave them my name, social, and account number and they informed me that they have no such account under any of my information. That's when they told me to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NJ

Complaint narrative:
Billing mistakes on my credit report need review. Please fix and update the records

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX 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 2024-11-15 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX 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 2024-11-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the unauthorized reporting of the accounts below has violated my federally protected consumer rignts to privacy and confidentiality under 15 USC 1681 : 1 ) Account name : XXXX XXXX XXXX XXXX ) Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION The companies listed above have violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
I am writing to formally dispute the repetitive 30-day late payment notations on my account ( # XXXX ), which are currently being reported on my credit file. I respectfully request that you provide validation for each of these late payment reports, including detailed documentation proving that each reported late payment occurred and was accurately noted on my account. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and verifiable information. I believe these repeated reports may contain inaccuracies or discrepancies, which could result in an unjust negative impact on my credit score. If these late payments are found to be inaccurately reported, I am requesting immediate removal of any erroneous entries from my account history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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:
I am writing to formally dispute the repetitive 30-day late payment notations on my account ( # XXXX ), which are currently being reported on my credit file. I respectfully request that you provide validation for each of these late payment reports, including detailed documentation proving that each reported late payment occurred and was accurately noted on my account. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and verifiable information. I believe these repeated reports may contain inaccuracies or discrepancies, which could result in an unjust negative impact on my credit score. If these late payments are found to be inaccurately reported, I am requesting immediate removal of any erroneous entries from my account history.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian credit reporting agency keeps listing incorrect residential address for me starting XX/XX/2024, and keep falsely alleging that my bank at XXXX XXXX XXXX is the one that is reporting such residential address to them, and therefore I should contact XXXX  XXXX XXXX to correct it ; However I know what I reported to my bank at XXXX XXXX XXXX and I can also see how the new address I reported to XXXX XXXX XXXX is listed on my account as : " XXXX XXXX XXXX XXXX, " XXXX  XXXX '' Washington DC XXXX ; '' EXPERIAN CAN NOT LIST THIS ADDRESS ON MY CREDIT REPORT WITHOUT THE INCLUSION OF " XXXX  XXXX '' BECAUSE THIS ADDRESS/LOCATION IS NOT A RESIDENTIAL LOCATION/BUILDING ; IT IS A BUSINESS BUILDING ; EXPERIAN CREDIT REPORTING AGENCY HAS TO INCULDE " XXXX  XXXX '' WITH THIS ADDRESS AT XXXX XXXX XXXX XXXX WASHINGTON DC XXXX. 
I can not contact XXXX XXXX XXXX because they are not the ones listing this address on my accounts without including " 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 2024-11-15 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: MO

Complaint narrative:
I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX violations before removal. I have already attempted to invoice for the damages and federal violations. TransUnion has removed XXXX XXXX off my consumer report after I complained about being violated which is proof that I was being violated. Under 15 USC 1681n - Civil liability and 15 USC 1681o, TransUnion has not yet compensated me for the damages & federal violations nor has responded to my invoice. I will have my invoice for the XXXX XXXX federal violations attached below and also a marked-up consumer reporting showing the violations and my PRE-ARBITRATION against TRANSUNION. If we can't come to a fair and reasonable resolution, then I fully intend to pursue Arbitration. YOU HAVE 5 BUSINESS DAYS TO RESPOND BEFORE I FILE FULL ARBITRATION.

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