vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX  account ( Account # XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my concerns remain unresolved. This ongoing inaccuracy is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Inaccuracy : High Balance : {$220.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 60 Days Creditor Remarks : Canceled by credit grantor Evidence of Discrepancy : The reported late payments for XXXX and XX/XX/XXXX are inconsistent with my payment history. Records from other bureaus and my own financial documentation confirm that these payments were made on time or do not align with the reported delinquency. 
Legal Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files.

Additionally, creditors must provide periodic statements at least 21 days before payment is due, as per 15 U.S. Code 1666b.

TILA Violations : The inaccurate reporting of late payments undermines the Truth in Lending Acts mandate for accurate disclosures. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint to relevant regulatory agencies, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse if necessary. 
Thank you for addressing this matter urgently. 
Sincerely, 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 2024-12-17 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account # XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my concerns remain unresolved. This ongoing inaccuracy is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Inaccuracy : High Balance : {$220.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 60 Days Creditor Remarks : Canceled by credit grantor Evidence of Discrepancy : The reported late payments for XXXX and XX/XX/XXXX are inconsistent with my payment history. Records from other bureaus and my own financial documentation confirm that these payments were made on time or do not align with the reported delinquency. 
Legal Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files.

Additionally, creditors must provide periodic statements at least 21 days before payment is due, as per 15 U.S. Code 1666b.

TILA Violations : The inaccurate reporting of late payments undermines the Truth in Lending Acts mandate for accurate disclosures. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint to relevant regulatory agencies, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse if necessary. 
Thank you for addressing this matter urgently. 
Sincerely, 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 2024-12-17 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: LA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and am requesting the removal of certain accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were part of the data breach, and I believe they should be blocked and deleted from my credit file. 
The accounts affected by this breach are as follows : XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. BANKRUPTCY - XXXX - XX/XX/XXXX - {$0.00} XXXX. BANKRUPTCY - XXXX - XX/XX/XXXX - {$0.00} Additionally, the following inquiries are also associated with this breach and should be deleted : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/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 2024-12-17 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: LA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and am requesting the removal of certain accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were part of the data breach, and I believe they should be blocked and deleted from my credit file. 
The accounts affected by this breach are as follows : 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  - XX/XX/XXXX - {$0.00} Additionally, the following inquiries are also associated with this breach and should be deleted : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/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 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hello, I have a Capital One credit card with a measly {$300.00} credit limit. My account has always remained in good standing ; therefore I requested an additional card for my nephew. He was charging excessively, and as he charged I was paying off the balance and informed him I was locking his card. He attempted to make a {$19.00} payment on XX/XX/XXXX to the balance using his XXXX card. The payment did not go through, apparently Capital one detected something suspicious. I had to verify numerous times with different customer service reps at Capital One the payments that were made during the end of XXXX and beginning of XXXX. My account was verified successfully ( whereas I'm the actual account holder ). I sent them all required documentation. When I sent over the account information re my nephews info, the account number did not match his chime card. I was on the phone with a capital one rep and called my nephew on a XXXX way call and the rep claimed she could not hear him. When I tried XXXX way call with several other people they had no problem hearing me. I asked to have my account closed without any negative connotation attached to the closing because I have no idea what is going on. Capital one continues to ask for the statement attached to my nephew 's card which I sent them. The info they are requesting is an issue where capital one, chime company, my nephew and I need to be on the phone. I was told I could not call capital one 's verification department directly they can only call me. I have been waiting for several days for someone to call me regarding this. I'm beginning to think there's something fraudulently going on here and I have sent too much banking information to capital one for a credit card with a {$300.00} limit. Furthermore, I don't understand why they can not close the account, because at this point in time I myself have no idea what is going on and absolutely not getting any communication from capital one. I have the same message on my account, " This account is currently restricted '' as if I'm some kind of criminal or engaged in criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MO

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error.

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-17 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: MO

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error. 

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized Disputed Inquiries : XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2024-12-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
I have been actively disputing several accounts that were fraudulently opened or accessed in my name without my authorization. Despite providing the necessary documentation and evidence of the fraudulent activity, the process has been challenging. I have reached out to the involved institutions, filed reports as required, and requested that these accounts be investigated and corrected to reflect that they were not created or used by me. However, I am seeking further resolution to ensure my financial records are cleared of any responsibility associated with these fraudulent activities.

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 2024-12-17 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information that remains on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correctionincluding letters sent on XX/XX/XXXX and XX/XX/XXXX, XXXX inaccuracies have not been resolved. 

This lack of correction violates provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). I request that you investigate this matter immediately and correct the inaccurate late payment notation. 
Details of the Account and Discrepancies : High Balance : {$36000.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Closed Date : -- Account Rating : Open Account Description : Individual Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Open Payment Status : Current Creditor Remarks : Auto, Fixed rate Payment Amount : {$590.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$0.00} Account Type : XXXX XXXX XXXX XXXX : {$0.00} Two-Year Payment History : XX/XX/XXXX : 30 Days Late Summary of FCRA and TILA Violations : FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information. Additionally, 15 U.S. Code 1666b mandates that creditors send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Desired Resolution : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction from your agency. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel if necessary. Please treat this matter with urgency and provide a response within the legally mandated time frame. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o for {$1000.00} from XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, 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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Direct Cash LLC
State: TX

Complaint narrative:
I was contacted at work regarding a debt that I owe to DIRECT CASH ( a online loan company ). The lady stated the she was from a collection agency name : XXXX XXXX XXXX, XXXX, she gave me a case # XXXX, Account # XXXX, and if I didn't set up payment arrangements, I would be served legal paperwork at my place of employment. Since this happened at work, where I was busy, I had set up payment arrangements, because the lady had a fake process server call me at work, to threaten me to set up payments. I later verified through my bank, that the payments were going to a company named : XXXX XXXX XXXX, XXXX XXXX, FLORIDA. I BELEIVE THAT I HAD BEEN SCAMMED. I BELEIVE THAT SCAMMERS ARE CONTACTING PEOPLE AT WORK NOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and request that all accounts associated with my information be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts in question are as follows : 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XX/XX/XXXX I submitted a consumer statement to my credit file through XXXX. I was not aware of the damage incurred re my ALLY FINANCIAL LATE payments caused as a result of the COVID pandemic. My late payments were the result of financial hardship. Ally Financial reported 13 late payments during months ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation