vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: FL

Complaint narrative:
Re : Demand for Removal of Incorrect Late Payment Reports and Non-Public Private Information Dear Experian, I am writing to you on behalf of XXXX XXXX XXXX XXXX, who has recently discovered inaccuracies in their credit report that require immediate attention. My client has identified the following issues that need to be rectified without delay : 1. Incorrect Late Payment Reports : My clients credit report inaccurately reflects late payments that were not reported in accordance with federal and state regulations. Specifically, the Office of Attorney General of Texas account no-XXXX date opened on XXXX alleging {$22000.00} balanced up dated XX/XX/year>. These inaccuracies are a result of reporting errors and are not reflective of my clients true payment history. 

2.Non-Public Private Information : The credit report also contains non-public private information that is not relevant to my clients creditworthiness. Specifically, child support late payments from the attorney general of Texas.. This information is not only irrelevant but also a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ).

As per the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to ensure that all information reported is accurate and up-to-date. Furthermore, under the FCRA, consumers have the right to dispute and request the removal of any inaccurate, incomplete, or outdated information from their credit reports.

Please direct all correspondence and documentation regarding this matter to my attention at the address listed above. Should you require any additional information to facilitate the investigation, do not hesitate to contact me directly.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: WI

Complaint narrative:
I had a dispute in for an order with XXXX XXXX. XXXX asked me a very confusing question and I accidentally closed my dispute. I am being charged for goods I did not recv order placed XX/XX/year>. 
I originally disputed this with XXXX they canceled the order but XXXX has not updated their system nor have they canceled or credited the order. XXXX shows that the items were purchased but not sent. They show the order canceled on their end. I have a snapshot of the order transaction. History. XXXX asked me a very confusing question. I wish I would have took a picture of it. But the way it was worded was asking me after I put in my request for a dispute in I wanted to continue. I and answers yes and they responded my issues was canceled. But I dont remember the question being worded that way? I go back I. To try to reopen my dispute they responded the issue has been resolved in the merchants favor? XXXX just need them not charge me for items I have not received and credit back my account. Or just send me the items? 

I repurchased the unrecieved items and only recvd XXXX. That order # is XXXX but I am being billed for XXXX. The order purchase from yesterday never updated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-08 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: SC

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year> ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To Whom It May Concern : There is a need to ensure that a consumer reporting agency exercises their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of or if it is not there update it to the following information : XXXX Full Legal Name : XXXX XXXX XXXX Government I.D . attached ) XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX ( Proof of address attached ). 
XXXX. My DOB as it is written on my government issued ID : XX/XX/year> Please delete all information in the employer section. 
Please delete all other non- mailable addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses. 

DELETE these addresses : XXXX. XXXXXX/XX/XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT XXXX USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights it is direct violation of 51 UCS {$1600.00} and all its subsections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: TX

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts

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 2024-08-08 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: KY

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

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : 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 2024-08-08 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: FL

Complaint narrative:
Re : Demand for Removal of Incorrect Late Payment Reports and Non-Public Private Information Dear XXXX, I am writing to you on behalf of XXXX XXXX XXXX XXXX, who has recently discovered inaccuracies in their credit report that require immediate attention. My client has identified the following issues that need to be rectified without delay : XXXX. Incorrect Late Payment Reports : My clients credit report inaccurately reflects late payments that were not reported in accordance with federal and state regulations. Specifically, the XXXXXX/XX/XXXX Texas account XXXX date opened on XXXX alleging {$22000.00} balanced up dated XX/XX/year>. These inaccuracies are a result of reporting errors and are not reflective of my clients true payment history. 

XXXX Private Information : The credit report also contains non-public private information that is not relevant to my clients creditworthiness. Specifically, child support late payments from the XX/XX/XXXXXXXX This information is not only irrelevant but also a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ). 

As per the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to ensure that all information reported is accurate and up-to-date. Furthermore, under the FCRA, consumers have the right to dispute and request the removal of any inaccurate, incomplete, or outdated information from their credit reports. 


Please direct all correspondence and documentation regarding this matter to my attention at the address listed above. Should you require any additional information to facilitate the investigation, do not hesitate to contact me directly.

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 2024-08-08 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: FL

Complaint narrative:
Re : Demand for Removal of Incorrect Late Payment Reports and Non-Public Private Information Dear XXXX, I am writing to you on behalf of XXXX XXXX XXXX XXXX, who has recently discovered inaccuracies in their credit report that require immediate attention. My client has identified the following issues that need to be rectified without delay : XXXX. Incorrect XXXX XXXX Reports : My clients credit report inaccurately reflects late payments that were not reported in accordance with federal and state regulations. Specifically, the XXXX XXXX XX/XX/XXXX XXXX Texas account XXXX date opened on XXXX alleging {$22000.00} balanced up dated XX/XX/year>. These inaccuracies are a result of reporting errors and are not reflective of my clients true payment history. 

XXXX Private Information : The credit report also contains non-public private information that is not relevant to my clients creditworthiness. Specifically, child support late payments from the attorney general of XXXX This information is not only irrelevant but also a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ). 

As per the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to ensure that all information reported is accurate and up-to-date. Furthermore, under the FCRA, consumers have the right to dispute and request the removal of any inaccurate, incomplete, or outdated information from their credit reports. 


Please direct all correspondence and documentation regarding this matter to my attention at the address listed above. Should you require any additional information to facilitate the investigation, do not hesitate to contact me directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/year> I lost my debit card then charges were made on it for {$600.00}, {$300.00}, and {$60.00}. I called Wells Fargo to report fraud and they put a claim in. They decided the claim was denied even though the charges were not made by me. I wanted to escalate the claim higher but they told me there wasnt anything further they could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Tried to cancel a hotel reservation made on XX/XX/XXXX at XXXX hours. The aggregator confirmed they would cancel the {$99.00} charge on my REGIONS BANK CARD ending in XXXX. I subsequently charged my XXXX XXXX for the XXXX XXXX room XXXX  XXXX in the amount of {$66.00}. 

I was told by the XXXX XXXX XXXX aggregator for XXXX XXXX that XXXX XXXX did not offer military or government discounts/rates. This was a prevarication and was confirmed by the XXXX XXXX XXXX  XXXX on duty, that the XXXX XXXX offers military and government rates. 
I provided this information to REGIONS BANK via claim ID XXXX on XX/XX/year>. I received a letter ( attached ) denying my dispute.

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 2024-08-08 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: IN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-08 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: NJ

Complaint narrative:
I am writing to dispute the information reported on my credit report regarding my XXXX XXXX XXXX XXXX account. The report shows an open balance for a charged-off account, which raises several concerns that need to be addressed. 
Details of the account are as follows : Date opened : XX/XX/XXXX Status : Account charged off. {$2600.00} written off. {$2400.00} past due as of XXXX XXXX. 

Status updated : XX/XX/XXXX Balance : {$2400.00} The credit report shows continuous charge-off status updates, which are listed below : credit report shows continuous charge-off status updates, which are 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 I have several points of contention credit report shows continuous charge-off status updates, which are 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 have several points of contention regarding this reporting : 1.How can a charge-off account have an open balance/balance due? If the account is charged off, it should not reflect an open balance. 

2.Statute of Limitations on Debt in NJ : According to Section 2A:14-1 of New Jersey state law, the statute of limitations on debt is six years. This statute applies to all kinds of debt, including written, oral, promissory, or open. Given that this account was opened on XX/XX/XXXX and last updated in XX/XX/XXXX, it is beyond the six-year limitation period for legal debt collection. 

Based on these points, I request that you investigate this matter and correct any inaccuracies on my credit report. If the information can not be verified or is found to be inaccurate, it must be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please consider this letter as my formal dispute and take the necessary steps to resolve this issue. I expect a response within 30 days of receipt of this letter. Enclosed are copies of my recent credit report highlighting the disputed item and any supporting documentation. 

Thank you for 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
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital LLC sent me two letters by mail both were written in XXXX about a dept, but I trashed both letters because I thought they had the wrong person or address. 
I was later suited in court by them. When I went to court, I informed the Judge about the two letters, the judge ignored it and ruled in their favor. The judge in the case wrote on the judgement I didn't show up for court and now I have a judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: PA

Complaint narrative:
My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX  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 in those account 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.

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 response to consumer: Closed with non-monetary relief