vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to formally request the removal of inaccurate information regarding a dismissed ( or filed ) bankruptcy listed on my credit report. I understand that you may receive information from third-party verification systems, such as PACER. However, these systems are not always accurate due to limitations, such as incomplete Social Security number reporting.

While I understand your policy may involve retaining records of bankruptcies for up to 10 years, the Fair Credit Reporting Act ( FCRA ) clearly states that dismissals or filings should not remain on my credit report if they are no longer valid. Specifically, Section 1681c of the FCRA does not provide grounds for maintaining dismissed or adjudicated bankruptcies.

Additionally, under Section 1681b ( a ) of the FCRA, consumer reporting agencies are required to have a permissible purpose to include information on an individuals credit report. I did not provide any authorization or written instructions allowing you to place this dismissed bankruptcy on my report. As such, maintaining this information on my credit report without my consent is a violation of my rights under the FCRA. 

According to federal law, a dismissed or adjudicated bankruptcy case no longer exists in the eyes of the law. Retaining such information is an inaccurate representation of my credit history, as these cases are deemed legally non-existent. Therefore, in compliance with Sections 1681 ( a ) ( 5 ) and 1681b ( a ) of the FCRA, I kindly request that you delete this information from my credit report and provide me with an updated copy reflecting this correction.

As this request does not require further investigation, I would appreciate your response within two weeks of receiving this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: PNC Bank N.A.
State: FL

Complaint narrative:
This is my XXXX attempt with you to resolve the problem that PNC created by taking too much money from me, over XXXX dollars on my credit card ending in XXXX and then telling me they would reimburse me within XXXX hours which was XXXX  days ago. They are now refusing to deal with it and not doing what they told me, which is inappropriate and wrong. I want my money back right away and have waited long enough. The number I was using and the person I talked to is avoiding me now and no one will return my messages. This behavior is unprofessional and frustrating. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : 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 2024-12-02 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: MD

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: NC

Complaint narrative:
It is my personal statement that the inquiries that i have listed are fraudulent and need to be deleted pursuant to 15 USC 1681c-2. Also, Pursuant to 15 USC 1681e ( b ) you must maintain accurate records on my credit file at all time. Please update my personal information to reflect accurate records only pursuant to 15 USC 1681e ( b ) Please see attached identity theft 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
Consumer complaint received 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I was a victim of theft while in XXXX, XXXX. After leaving a club, a taxi driver persistently offered us a ride, claiming he charged the same as XXXX. We accepted his service, but during the ride, he deviated from the GPS route and asked for my phone to confirm directions. At the end of the ride, he refused to return my phone and stole it. 

My phone was unlocked, allowing the thief to disable Find My Phone, change my passwords, and make unauthorized transactions using my bank account through XXXX and XXXX XXXX. The fraudulent transactions included : XXXX : {$1500.00} sent to XXXX XXXX XXXX : {$500.00} sent to XXXX XXXX XXXX XXXX  Wallet : {$260.00} charged to my XXXX XXXX ( XXXX XXXX ). 

After the theft, I used my other phone line ( associated with the same XXXX plan ) to call Chase at XXXX to report the theft of my phone and credit card. During this call, I informed the agent about the unauthorized transactions. Despite taking immediate action, Chase has denied my claim and has not reimbursed the stolen funds. 

Additionally, I want to emphasize that I do not know the individuals to whom the money was sent ( XXXX XXXX and XXXX XXXX XXXX ). I have never had contact with these people, and they are not saved in my phones contact list. I do not send money through XXXX to anyone who is not in my contacts. Therefore, I am requesting proof or evidence that I authorized or had any connection to these individuals. I have also reported them through the Internet Crime Complaint Center ( IC3 ). 

Furthermore, on XX/XX/XXXX, I contacted Chase and requested copies of the call recordings from XX/XX/XXXX to provide additional evidence for my case. However, I was told they could not provide me with these recordings. Instead, I was instructed to attach evidence to support my claim, which I did. Unfortunately, this process was futile, as I still did not receive adequate assistance or resolution. 

In contrast, I also disputed the fraudulent XXXX XXXXt transaction with XXXX XXXX ( XXXX XXXX ), and they approved the reimbursement. This demonstrates that the transaction was recognized as fraudulent. 

I am attaching the following documents to support my complaint : XXXX claim filed for the theft of my phone. 
XXXX statements showing the activity on both phone lines, including the call made to Chase after the theft. 
IC3 report submitted to the Internet Crime Complaint Center. 
Dispute documentation for the fraudulent transactions with XXXX XXXX ( XXXX XXXX ), which was resolved in my favor. 

I kindly request that Chase reexamine the XXXX transactions and reimburse the funds stolen from my account. As a loyal Chase customer, I expect the same level of support and resolution I received from other financial institutions impacted by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/year> I made a payment Of {$650.00} to alley. On XX/XX/XXXX I received an email from Ally stating that they refunded the money back to me due to the name on my account and the name on my Ally account not matching. Which at the time was untrue, due to me, making prior payments with the same account and the same routing number to ally with no issues. On XX/XX/year> my car was repossessed because ally said it was due to a non-payment when I had already made a payment on XX/XX/XXXX before my car not was even due. I sent Ally emails of official bank statements proving that the money was taken out of my account and sent to Ally and that the bank never received a refund. Ally insisted that the money was refunded back and credited to my account. I never received any refund from ally or any credit from them since I made a payment on XX/XX/year>. I have requested several times from Ally if they can provide transaction reversal codes and or a confirmation proving that the money was refunded to me. They responded that they were unable to provide that information to me, and that I would have to contact my bank. They informed me that my car will be sold on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX 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. 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 XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MI

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 

TRANSUNION 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! 


Update the late payments 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 non-monetary relief
Consumer complaint received 2024-12-02 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: VA

Complaint narrative:
I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: NJ

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit 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
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got credit inquiries show on my XXXX app. I also recieved letters in the mail stating I made an application for the credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the presence of several accounts listed on my credit report, as these accounts are not mine and were added without my authorization. As a victim of human trafficking, I have been subject to identity theft and fraud. The inclusion of these accounts on my credit report has caused significant harm, both personally and financially. In accordance with the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following provisions : 15 U.S.C. 1681 Section 602 ( a ) : I have the right to privacy regarding my personal financial information. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agencies are prohibited from furnishing information about me without my explicit written instructions. The following accounts are erroneous and must be removed from my credit report immediately : 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 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 XXXXXXXX These accounts were not opened, authorized, or managed by me. Please take immediate action to remove these accounts from my credit report and ensure they are not reflected in future reports. I have attached all necessary documentation, including a copy of my credit report, government-issued ID, and any supporting evidence demonstrating my claims. Thank you for addressing this urgent matter promptly. I request written confirmation once these errors have been resolved. Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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:
My credit score is dropping and rising constantly from XXXX reporting wrong information on my report which theyre suppose to only report once a month. Ive put in two complaints already due to the company violating consumer laws. Since the last complaint XXXX has reported a Charge off for every month ( which looks crazy and inaccurate on my credit report ) which its suppose to be only one time, and why is this company still reporting to my credit if its a charge off and the company took their loss? XXXX  is reporting what they want on my credit and must be stopped. My consumer rights are not being protected at all. And the company consistently gets away with this stuff.

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