vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only account for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only account for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: MI

Complaint narrative:
This companies Violated my rights to privacy and have not showed me proof of original agreement and has negative items on my credit report. I gave no permission to or signed any contracts for.

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 2024-11-14 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: GA

Complaint narrative:
Hey XXXX XXXX, My name is XXXX and I am writing to formally request an investigation into this account listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and this company from XXXX XXXX, i have never been to XXXX XXXX, I do not recognize this account and I have not authorized. As this account do not belong to me, I am concerned that my personal information has been compromised. I take this matter very seriously and would like to ensure that my credit report accurately reflects my credit history.

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 2024-11-13 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: MA

Complaint narrative:
My accounts 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 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 2024-11-14 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: MO

Complaint narrative:
I HAVE IDENTIFIED ACCOUNTS AND INQUIRIES ON MY CONSUMER REPORT AS A RESULT OF IDENTITY THEFT. ATTACHED YOU WILL FIND THE FTC REPORT, MY CONSUMER STATEMENTS, AND MY IDENTIFICATION PROVING MY IDENTITY AND THAT THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IVE TRIED TO CONTACT THE COMPANIES DIRECTLY TO NO AVAIL.

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 2024-11-14 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:
I am sending this complaint to formally notify you that I am a victim of the data breach that has affected your systems. In accordance with 15 USC 1681c-2 ( a ), I am requesting that all unauthorized inquiries that were compromised or affected by this breach be immediately blocked and deleted from your records. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As you are aware, the data breach has compromised sensitive personal information, and under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681c-2 ( a ), I have the legal right to request that any unauthorized inquiries connected to my name, Social Security number, or other personally identifiable information ( PII ) that were included in the breach be blocked and permanently deleted to protect me from any further harm, including identity theft or fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the recent reporting of a late payment on my mortgage account with XXXX. This reporting has resulted in a significant drop in my credit score of XXXX points, adversely affecting the creditworthiness I have worked diligently to improve. I respectfully request that this late payment be removed as a gesture of good faith due to extenuating circumstances explained below. 

In XX/XX/year>, I enrolled in a deferred XXXX mortgage program while my mortgage was held by XXXX. This program, approved in writing, stipulated that I would not need to make payments for XXXX and XX/XX/year>, with reduced trial payments of {$1800.00} starting in XXXX. Upon completing the trial period in XXXX, XXXX, and XX/XX/year>, the deferred program terms would permanently modify my mortgage to better suit my financial recovery post-XXXX. 

Unfortunately, my mortgage was transferred from XXXX to XXXX XXXX  during this process. Despite my adherence to the deferred payment plan and making the specified payments on time, a late payment was reported by XXXX, in what appears to be an error or miscommunication stemming from the mortgage transfer. I have documentation confirming my approval for the deferred program and payment terms as stipulated. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting of my financial activity. I believe that reporting this as a late payment does not align with the agreed terms of the XXXX relief program, as I had no outstanding obligation for the months specified by the program. Additionally, per guidelines for XXXX financial relief programs, lenders are advised to avoid penalizing participants in good standing. 

In light of the above, I kindly request that you remove this late payment entry from my credit report as a good-faith correction. I am committed to maintaining a strong credit profile and have actively sought assistance to prevent adverse reporting. This removal would assist me in reaching that goal, allowing me to continue rebuilding my financial standing post-pandemic. 

Please do not hesitate to contact me if further information or documentation is needed to complete this dispute. I am more than willing to provide all necessary documentation to support this request. 
Thank you for your time and consideration.

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 2024-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I was unaware that a {$7000.00} collection had been filed against me at XXXX, XXXX, and XXXX by Fair Collections & Outsourcing ( FCO ). I have never been contacted by this company by phone or mail or any other means. I have not received a " validation notice '' so I was never given thirty days to dispute the collection before it was reported. In fact, I had no idea the collection existed until I was unfairly denied housing, due specifically to the size and recent filing date of the collection, which was related to apartment rental. The collection was filed by FCO in XX/XX/year>, but I didn't find out about it until XXXX, XXXX. If FCO had followed the rules, I would've received a validation notice and had the opportunity to dispute the collection before having my application turned down, with only three days left before my moving date. This collection must be deleted from all three credit bureaus 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 explanation
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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 just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. 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 proof of my identity, my Proof of Address and SSN Card.

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 2024-11-13 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:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. 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 proof of my identity, my Proof of Address and SSN Card.

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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MN

Complaint narrative:
A Collection is reporting on my credit report in the amount of {$230.00} as of XX/XX/year>. I disputed this collection on XXXX and it was deleted. A day later the company tried to Re-age the account to keep this illegal reporting existing on my account. 
According to FCRA re-aging of credit is illegal

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 2024-11-13 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 am writing to formally notify you that I have been a victim of a data breach, which has resulted in the unauthorized use of my personal information. As a consequence, there are fraudulent accounts and inquiries on my credit report that were not authorized by me. Pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX ( b ) and XXXX XXXX XXXX ( a ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file. 
Fraudulent Accounts to be Deleted : XXXX. XXXX ( Account No : XXXX ) XX/XX/XXXX {$1700.00} XXXX. XXXX ( Account No : XXXX ) XX/XX/XXXX {$0.00} XXXX. XXXX ( Account No : XXXX ) XX/XX/XXXX {$0.00} Fraudulent Inquiry to be Removed : XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: VA

Complaint narrative:
I have 2 Accounts Reporting on my credit Report That was open in XXXX and I was only XXXX XXXX XXXX at this time these accounts do not belong to me and I will like them deleted immediately due to FCRA its a XXXX wards account and a XXXX  XXXX  account, I was Born in XXXX I was not even old enough to open a account will upload documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I was speaking to a NFCU representative on XX/XX/year> when an unauthorized transaction came through on my account. I never provided the store merchant my card information. I was speaking on the phone with my banking representative. This information was used to make 5 purchases {$900.00}, {$900.00}, {$900.00}, {$200.00}, {$870.00}. I was told by the banking representative not to worry as the call was being recorded it was clear I was not present to make these purchases or engage in this transaction with this business. 
I received an internal message from NFCU on XX/XX/year> which stated the fraudulent charges posted to my account and to call to dispute the issue. I immediately contacted the bank and let them know that this was a fraudulent charge and I was not engaging in business with this merchant. 

I provided all requested documentation. I was asked to provide the email messages and to go to the website specially and get a chat transcript for validity that the order was never placed /canceled by XXXX directly so that they had something to fight with. 

After providing the information, I received a message this morning stating no error occurred and that the merchant has provided a false signature and pictures of a home that is not mine. 

Im a disgusted with NFCU they are allowing someone to fraudulently use my card information and then provide fraudulent information to avoid returning these funds! This was not a customer-merchant dispute. I never participated or gave them my information for them to charge my card. I want my money back for this fraudulent transaction. I have reached out to the merchants customer service who is stating for me to reach out to my bank because they dont have access to refund me the money after it has already stated it was canceled and refunded it should have been back within 7-14 business and that has not occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 2024-11-14 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-13 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
My account was hacked XX/XX/year> in the amount of {$140.00} & I spoke with Chime about the incident. I filed a dispute & Chime then put the money back on my card. Then I received a message saying that they denied the dispute & then took my money once I got paid. I spoke with a rep on XX/XX/XXXX & asked if I could change my account number & was told " NO ''! It even gave the location & name of the person that had taken the money. I have read Chime reviews & it looks like nobody has ever won a dispute with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach. As a result, the following fraudulent account and unauthorized inquiries have appeared on my credit report without my consent. I am requesting that they be immediately blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Account XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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