vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 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: CA

Complaint narrative:
XXXX XXXX XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX, and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$920.00} that appears related to the aforementioned personal credit card account opened at XXXXXXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-07-01 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: CA

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX  XXXX Account Number - XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in 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 explanation
Consumer complaint received 2024-07-01 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: AZ

Complaint narrative:
I have been trying to dispute fraudulent information on my credit report for months The accounts were opened in result of fraud The Fair Credit Reporting Act mandates that all credit bureaus report only valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. They are not cooperating with me at all.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-07-01 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 confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days 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. 


XXXXXXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

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 2024-07-01 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:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
NARRATIVE I am filing this report to formally document the theft of my identity and the subsequent fraudulent activities that have severely impacted my financial standing and reputation. Over the past several years, I have become aware of unauthorized and false information being reported on my credit report by various credit bureaus. I have not given consent for these activities, and they have caused significant harm to my credit rating and personal reputation.

The following unauthorized actions have been observed : 1. **Unauthorized Credit Inquiries : ** Numerous credit inquiries have been made without my knowledge or consent. 
2. **Fraudulent Accounts : ** New accounts have been opened in my name that I did not authorize.

3. **Incorrect Personal Information : ** My personal information, including my address and employment details, have been altered inaccurately.

4. **Unapproved Transactions : ** There have been multiple transactions and charges on my existing accounts that I did not make.

5. **Unauthorized Reporting : ** There are numerous accounts being reported by credit bureaus without my consent.

These fraudulent activities have resulted in : - A significant drop in my credit score.

- Denial of credit applications and loans.

- Damage to my personal and professional reputation. - Emotional distress and financial hardship.

Upon discovering these discrepancies, I have taken the following steps : 1. Contacted the credit bureaus ( Experian, XXXX, and XXXX ) to dispute the unauthorized entries. 2. Placed a fraud alert on my credit reports. 
3. Contacted my financial institutions to report the fraudulent activities and secure my accounts. 4. Filed a complaint with the Federal Trade Commission ( FTC ).

5. Filed a complaint with the Consumer Financial Protect Bureau ( CFPB ) I am requesting a thorough investigation into this matter to identify the individual ( s ) /credit bureaus responsible for these fraudulent activities and to take appropriate legal action. I also seek assistance in rectifying my credit report and restoring my financial standing. 
I am willing to prosecute.

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 2024-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/year>, my contract hours were reduced to XXXX hours due to budget constraints before the contract ended on XX/XX/year>. Since then, I've managed to make monthly payments of {$550.00} every month up until XX/XX/year>. Truist offered a XXXX time per XXXX  months XXXX month deferrment not expecting my to pass in XX/XX/year>. I've made numerous attempts with Truist to assist with the monthly by requesting an additional deferrment or a plan that would not negatively affect my credit. I is no secret the job market especially in my field as an XXXX XXXX XXXX the unemployment rate is high and continue to increase. Truist bank an other lenders would prefer that you default and ruin your credit instead of proactively working with me to prevent any negative long-term effects on my credit. Today, like any random day, I called Truist at XXXX and sat on the phone for almost an hour before call was disconnected. I used the chat feature and kept getting disconnected. I was able to connect with XXXX who instructed me to contact collections and provided the following information : " That phone number is XXXX and they are available XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX. '' I called before XXXX XXXX XXXX and their office was closed. 

I called again and spoke to someone stating that I need to it again tomorrow, but my account is XXXX  days past due. I can not make the payment, I have no income, and my unemployment is depleted. Truist is unwilling to assist and provide a solution that will not affect my credit.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 may 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 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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite my repeated attempts to address these inaccuracies and my requests for thorough investigations, 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 may 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 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 2024-07-01 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: NJ

Complaint narrative:
It took me so many attempts asking for you to stop neglecting my concerns of correcting these wrong information on my report and yet here I am again still trying because my hopes are higher that there might be some changes than the chances of you actually responding and doing something about it.

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 2024-07-01 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: PA

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

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 may 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 non-monetary relief
Consumer complaint received 2024-07-01 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: FL

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the deletion of inaccurate information from my [ credit report/account/profile/etc. ] with your organization. 

Details of the inaccurate information are as follows : Reason for Inaccuracy : EXPERIAN LATE PAYMENT ON FILE XX/XX/year> XXXX LATE PATYMENT ON FILE XX/XX/year> I AM requesting the deletion of the inaccurate information from ALL 3 CREDIT BUREAUS Thank you for your assistance in rectifying this issue. 

Sincerely, 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 2024-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: NH

Complaint narrative:
I am writing to bring to your attention the inaccurate information that your company has furnished to consumer reporting agencies. This inaccurate reporting has caused significant damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and housing purposes. 

UPSTART NETW Account Number : XXXX According to 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishing inaccurate information is strictly prohibited. The law defines a duty ( a moral or legal obligation ) for furnishers to provide accurate information. The IRS further clarifies that a charge-off is considered gross or ordinary income, which is not to be reported on consumer reports. 

I hereby demand that XXXX ceases and desists from reporting incorrect and inaccurate information immediately. Your duty as a furnisher of information under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) explicitly prohibits the furnishing of information if it is known or reasonably believed to be inaccurate.

Furthermore, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) prohibits the continued reporting of inaccurate information after notice and confirmation of errors. I have notified you that specific information is inaccurate, and it has been confirmed that the information is, in fact, inaccurate.

Continued reporting of this inaccurate information constitutes a clear violation of the law and has caused severe harm to me and my family. This letter serves as a final opportunity for UPSTART NETWORK INC. to cure and delete this erroneous account from my consumer reports.

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