vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: IL

Complaint narrative:
My accounts 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/updated.

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.

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!

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 2024-08-12 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: LEXISNEXIS
State: VA

Complaint narrative:
I am writing to file a formal complaint against LexisNexis regarding their failure to delete incorrect information on my consumer report. Specifically, LexisNexis has continued to report a XXXX XXXX Bankruptcy that should not be present on my report. 

I have already provided LexisNexis with proof from the courthouse confirming that this bankruptcy is inaccurate and should not appear on my report. Despite this, LexisNexis has failed to remove the erroneous information. Instead, they responded by stating that they are disputing the information with XXXX. This response is unacceptable as the original source of the incorrect information is LexisNexis itself, which was then distributed to the credit bureaus, including XXXX. 

They are in violation of the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' It is my understanding that under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like LexisNexis are obligated to ensure that the information they report is accurate and up-to-date. They are also required to conduct a reasonable investigation when a consumer disputes the accuracy of the information in their report. LexisNexis has not fulfilled these obligations. 

The continued presence of this incorrect bankruptcy on my report is causing significant harm to my creditworthiness and financial standing. I request that the CFPB take immediate action to ensure that LexisNexis deletes this inaccurate information from my report and confirms this deletion in writing. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: IL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-08-12 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA XXXX. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning

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 2024-08-12 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: GA

Complaint narrative:
I talked to someone at experian informing them that I have inquiries that needed to be removed. They said they will do it and it should only take a few days to update. Its been XXXX weeks. 


I also called them about the letter of dispute about the XXXX late payment being reported on from the account XXXX XXXX account # XXXX I have Never been late on this account! I called the company and informed them of the mistake and they said it will be updated. I called experian and they said it will be 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 explanation
Consumer complaint received 2024-08-12 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: MO

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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:
I have sent a letter to all the credit bureaus to let them know the information on this XXXX XXXX XXXX account is incorrect and needs to be corrected or removed. The XXXX XXXX XXXX account needs to be corrected. I also have told them I am the beneficiary of this XXXX XXXX XXXX  account and information being acquired from this account are incorrect under the XXXX codes and their duties under the XXXX 's Law and CFPB laws as well. I have found myself as the beneficiary of this account and need the account clear and correct due to the XXXXXXXX XXXX XXXX XXXX  ; one can not demand a certain form of currency that they want to receive if it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and As the beneficiary of the account in XXXX XXXX XXXX 
I upload information companies I did not get anything and these companies and the credit agency did go XXXX things that was not able to opt out of the application and made notes or bonds that was sold international to create a form of money. I am to not got any of this fund that they have been sell my trust account information in the country or on the stock market Without prejudice and without recourse and no recourse

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 2024-08-12 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: CA

Complaint narrative:
I was reviewing my credit report and noticed inquiries that are not mine. XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-08-12 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute of Inaccurate Hard Inquiries Dear XXXX, I am writing to formally dispute several hard inquiries on my credit report that I believe are inaccurate and unauthorized. My name is XXXX XXXX XXXX, and my XXXX XXXX  XXXX is XXXX I have reviewed my credit report recently and found inquiries that do not belong to me. 

The inquiries in question are as follows : XXXX. *XXXX XXXX** Inquired on XX/XX/XXXX XXXX XXXX : XXXX XXXX. XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX. *XXXX* Inquired on XX/XX/XXXX XXXX XXXX : XXXXXXXX XXXX  XXXX. XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX *XXXX** Inquired on XX/XX/XXXX XXXX XXXX : XXXXXXXX XXXX  XXXX. XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX. **XXXX** Inquired on XX/XX/XXXX XXXX XXXX : XXXX, personal XXXX. XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX  XXXX XXXX. *XXXX** Inquired on XX/XX/XXXX XXXX XXXX : XXXX, XXXX  XXXX. XXXX Inquired on XX/XX/XXXX Business Type : XXXX and XXXX & XXXX According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate. I have not authorized any of these inquiries, and they should not be present on my credit report. 

I kindly request that you investigate these inquiries and remove them from my report. Please send me written confirmation of your findings and the actions taken regarding my dispute. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
On XX/XX/year> I paid off my loan of {$100000.00} and was told that I would receive my Lein release package in less than 30 days. I was in the process of purchasing a business and was needing that Lein to use as collateral in this deal, so we were keeping a close watch on the mail. It was supposed to be shipped to our courthouse in XXXX XXXX XXXX. I called the number on their website to hopefully speak with someone and possibly get the ball rolling a little faster so that we didn't lose this deal. This is where the complaint comes in. You CAN NOT speak with a human being at this company. There is no possible way to get a human on the phone. They congratulate me over and over for paying off my loan and tell me how to quickly go find my Lein release on the web site ( which is not there ). They also then tell you it will now take 3 to 9 months for your Lein Release to be processed. Then promptly hang up on you. I sent them messages asking politely if there was any way to speed up the process and was told they would see what they could do. They told me they would see what they could do. these messages take days back and forth to answer. I beg for a phone call but nothing. I finally receive a copy of my lien release at my home address, but the courthouse doesn't. As I read over it, I notice that they have sent it to XXXX XXXX which is in XXXX XXXX La. hundreds of miles from my house. it's not even written for my house. We contact XXXX XXXX XXXX, and they say they have received it but have to mail it back to the sender to be fixed. Now we are back at square one and don't even know if they are working on it or not. why shouldn't all companies have to have a human to talk to on the phone. This company is Rushmore servicing XXXX My name is XXXX XXXX My number is XXXX I attached a screenshot of all the times i tried to talk to them and the same response i get every time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: NV

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX XX/XX/2023 {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: NV

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXXXXXX XX/XX/2023 {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: SC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
When i opened an account with XXXX XXXX XXXX i started an autopay service with them. On XX/XX/year> they turned off the service and did not notify me thus resulting in me missing a payment. Once they called me to collect i was shocked to find out that i missed a payment and was told that everything will be fixed and they removed the late fees and told me they would send a letter correcting the credit report. I then recieved a letter saying they were right and inwas wrong and they arent going to do anything. I then spoke to XXXX rep and they told me that i never had autopay, then another rep told me i did but it was only for 6 months. Every single rep tells me something different.

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 2024-08-12 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: FL

Complaint narrative:
This account was charged off on the following date XXXX. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you TWICE and your neglect has violated my rights. I am demanding a deletion of the following account. Account name : XXXX XXXX XXXX. Account number : 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 2024-08-12 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: MO

Complaint narrative:
I am writing to address the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report, which persists despite my repeated efforts to resolve it. The presence of these unauthorized items has had a profound negative impact on my life, causing considerable distress and XXXX  I must emphasize that, as a victim of identity theft, I never authorized or consented to the association of this information with my name. 

Be advised that I am in the process of initiating legal proceedings regarding the fraudulent and inaccurate items currently appearing on my consumer reports. I formally demand that you take immediate action to update, delete, and block these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: MO

Complaint narrative:
I am writing to address the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report, which persists despite my repeated efforts to resolve it. The presence of these unauthorized items has had a profound negative impact on my life, causing considerable distress and XXXX. I must emphasize that, as a victim of identity theft, I never authorized or consented to the association of this information with my name. 

Be advised that I am in the process of initiating legal proceedings regarding the fraudulent and inaccurate items currently appearing on my consumer reports. I formally demand that you take immediate action to update, delete, and block these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation