vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: GA

Complaint narrative:
This complaint is in addition to complaint file # XXXX. 
Violations : Violating FCRA laws set forth in the Consumer Credit Reporting Reform Act of 1996 ( Public Law 104-. 208. Reporting false and harmful negative consumer information concerning late payments by consumer falsely.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is in addition to complaint file # XXXX. 
Violations : Violating FCRA laws set forth in the Consumer Credit Reporting Reform Act of 1996 ( Public Law 104-. 208. Reporting false and harmful negative consumer information concerning late payments by consumer falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
This company have been a nightmare since the contact opened in XX/XX/year>. But my car was repossessed okay thats fine. & after they backdated dates to get away with selling the vehicle & I could not redeem it because they did not and still to this day will not talk to me about this account. Ive called today to discuss a billing error and for them to send me documentation of payments & a balance statement. They put me on hold for XXXX minutes and came back and said our management team said we sent documents out before well send an email but they said management said were not sending nothing else out have your attorney contact us. I do not have an attorney. I asked to speak to a XXXX and they put me on hold for XXXX minutes again then the phone disconnected. This is the third time Ive inquired about such information and they refuse to speak to me or mail anything out. & they said theyll email me the the contract but nothing else. I asked for the account statements of all payments made & last payment & also a printed contract & all other information pertaining the loan because of a billing error i suspect. But theyve been denying me for a year now. & today I called again. It is my consumer right to that information as it pertains my private information there is banking laws that states I have rights to documentation from an account and which Ive disputed or believe there is an billing error. & theyve emailed the contract to be in the past but its yellow highlighted that covers the words in a lot of the paragraphs away so it only shows me certain parts of the contract. Seems fishy too like theyre hiding the or misleading me or furnishing a false contract of mines. 

I can not see because of my blurry eye problems that medically have. I can not look at a screen for long. It will burn my eyes and cause me to feel dizzy, headache & strain in my face which hurts alot. Please work with me as I am asking nicely. Non compliance is violation & also XXXX become discriminatory as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Late Payment Inaccuracy XXXX XXXX Account Dear CFPB, I am writing to formally dispute inaccurate information reported on my credit report regarding late payments for my XXXX XXXX  account. The account details are as follows : Account Number : XXXX Account Type : Installment ( Auto Loan ) Account Status : Open Monthly Payment : {$260.00} Date Opened : XX/XX/XXXX Balance : {$6800.00} High Credit : {$7900.00} Last Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year Payment History Discrepancy : Experian reports XXXX late payments for XX/XX/XXXX and XX/XX/XXXX, both of which are inaccurate. 
Despite my initial requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), Experian has failed to act, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Evidence of Errors and Violations FCRA Violations : Under 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The reporting of late payments without evidence is a clear violation.

According to 15 U.S.C. 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. There is no record or evidence of such notification from XXXX XXXX. 
TILA Violations : The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) emphasizes accurate and timely disclosures. The late payment inaccuracies harm my creditworthiness. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements to avoid unfair penalties to consumers, which has not been upheld. 
Desired XXXX XXXX removal of the inaccurate late payment notations from my Experian credit report. 
Written confirmation of these corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant agencies and pursuing legal action. 
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 explanation
Consumer complaint received 2024-12-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Late Payment Inaccuracy XXXX XXXX  Account Dear CFPB, I am writing to formally dispute inaccurate information reported on my credit report regarding late payments for my XXXX XXXX  account. The account details are as follows : Account Number : XXXX Account Type : Installment ( Auto Loan ) Account Status : Open Monthly Payment : {$260.00} Date Opened : XX/XX/XXXX Balance : {$6800.00} High Credit : {$7900.00} Last Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year Payment History Discrepancy : Experian reports XXXX late payments for XX/XX/XXXX and XX/XX/XXXX, both of which are inaccurate. 
Despite my initial requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), Experian has failed to act, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Evidence of Errors and Violations FCRA Violations : Under 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The reporting of late payments without evidence is a clear violation.

According to 15 U.S.C. 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. There is no record or evidence of such notification from XXXX XXXX. 
TILA Violations : The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) emphasizes accurate and timely disclosures. The late payment inaccuracies harm my creditworthiness. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements to avoid unfair penalties to consumers, which has not been upheld. 
Desired XXXX XXXX removal of the inaccurate late payment notations from my Experian credit report. 
Written confirmation of these corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant agencies and pursuing legal action. 
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 explanation
Consumer complaint received 2024-12-05 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: Chime Financial Inc
State: CO

Complaint narrative:
I bought a few prop firm challenges from a company called The XXXX XXXX and earlier this year, they randomly shut down for a month. They were supposed to re-issue the accounts once they relaunched but I never received them. I had about XXXX accounts with them that I could no longer access and when I requested a refund, I did not receive a response. 

So, I filed a dispute with my bank, Chime, and they gave me a refund for XXXX of the challenges but not not for the other XXXX. When I asked why, the agent agreed that it was strange that XXXX dispute was approved and the rest were denied for the exact same thing but they are not able to directly contact the dispute team to ask questions and neither can customers. 

I recently tried contacting the prop firm again for a refund and did end up getting a response. They said that since I filed a dispute, it's not their issue anymore even when I tried explaining that they weren't even approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being. 

I would like to bring to your attention the following inaccuracies : Misspelled Name : My name is misspelled as XXXX XXXX XXXX on my credit report, also XXXX XXXX XXXX, XXXX XXXX XXXX. The correct spelling of my name is XXXX XXXX. Please correct this error to reflect my personal information accurately. 

I understand the importance of accurate personal information in credit reports, as it directly impacts my ability to secure loans, housing, and other financial opportunities. Therefore, I kindly request that you investigate and rectify these inaccuracies immediately. 

Enclosed with this letter, please find copies of documents that support the correct information : A copy of my driver 's license displaying my correct name and address. 

A recent utility bill displaying my correct address. 

A copy of my employment contract with XXXX XXXX 

I am also aware of my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information and have it corrected or removed within a reasonable time frame. I kindly request that you initiate an investigation into the inaccuracies mentioned above and notify me of the results in writing.

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 2024-12-05 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 reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

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 2024-12-05 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: LEXISNEXIS
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
To whom it XXXX concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. I'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( XXXX XXXX ) For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report. These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.

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 2024-12-05 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 have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunately it has been over 30 days and no accounts was updated.

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 2024-12-05 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: FL

Complaint narrative:
Equifax is reporting a fraudulent account on my credit report. I have attempted several times to have this removed. I have also updated documents attached just in case there were any problems. Under law I need this fraudulent account removed permanently. I am not liable for any fraudulent accounts created in my name. Attached is ID Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: CA

Complaint narrative:
Please remove this account from my credit report since it is unauthorized and unrelated to me. I urge you to investigate and resolve any additional inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: PR

Complaint narrative:
COMENITYCAPITAL/XXXX did a hard inquiry on my XXXX Report without my permission. I have 0 affiliation with them. I have not authorized them to perform a hard inquiry on my report. This is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
a ) The account was opened on XX/XX/year> b ) Representative from American Express approved the account via an interview based on my credit standing. We spoke on the phone. 
c ) Since I was qualified for the card, a promotional qualification award was granted for my new charges above {$3000.00} in the amount of {$500.00}. 
d ) New charges to XXXX XXXX on XX/XX/XXXX, was in the amount {$3700.00} e ) On XX/XX/XXXX. XXXX  XXXX was made to American Express in the amount of {$3200.00}. I was approved with the promotional award of {$500.00}. 
f ) The remaining balance represents the qualified promotional award for new customer in the amount of {$500.00} ( item c ). 
g ) I have requested American Express to provide an audio recording of our conversation to no avail, and to support the accuracy of this investigation. 
Again, my account balance is incorrect. I stand to be corrected on this issue and please let me know if you have any further questions. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and 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 2024-12-05 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:
RE : XXXX  Block Requests To Whom It May Concern, I am a victim of XXXX.The Information listed below, which appears on my credit report, is the of that XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date inquiry : XX/XX/XXXX XXXX Date XXXXXXXX XXXX XXXX XXXX Date inquiry XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, Date inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date inquiry XXXX XXXX. XXXX Date inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX. XXXX XXXX  Account XXXX XXXX XXXX. XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number XXXXPlease block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notifications of the actions taken. I appreciate your prompt attention to this matter

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