vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-09-09 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-09-09 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: NE

Complaint narrative:
I am writing to dispute the following incorrect information that appears on my credit report. The account listed under CBS INC contain inaccuracies and violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. I am not acknowledging ownership of these debts, and my dispute is based on the legal violations and inaccuracies detailed below. Disputed Account : *CBS INC ( in the amount of {$670.00} ) 1. Violation of 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : * There is no permissible purpose for these accounts to be on my credit report. According to 15 U.S.C. 1681b, consumer reports can only be furnished under specific conditions, none of which apply to the accounts in question.

1. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : * Furnishers of information must ensure the accuracy of the information provided to consumer reporting agencies. The accounts in question contain inaccurate information that I have not authorized or recognized.

1. Violation of 15 U.S.C. 1681 ( a ) ( 4 ) : * The FCRA provides me with the right to privacy and accuracy in the information reported. The accounts in question were reported without my knowledge or consent, violating my right to privacy.

1. Violation of 15 U.S.C. 1681g ( Disclosures to Consumers ) : * I was not notified in writing within five days of the accounts being reported, as required by 15 U.S.C. 1692g.

1. Violation of 15 U.S.C. 1692f ( 1 ) ( Unfair Practices ) : * These accounts involve unfair and abusive practices, including the addition of unauthorized amounts, violating the provisions of 15 U.S.C. 1692f ( 1 ).

1. Violation of the Privacy Act of 1974 ( 5 U.S.C. 552a ) : * These accounts were reported without proper authorization under the Privacy Act, which governs the collection, maintenance, use, and dissemination of personal information by federal agencies. 

1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692g ( Validation of Debts ) : * Debt collectors must provide a validation notice within five days of the initial communication, detailing the amount of the debt, the name of the creditor, and the right to dispute the debt. Failure to provide this notice is a violation.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO was never late! I have had exceptional payment history witH capital 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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-09-09 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 information is inaccurate.

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 2024-09-09 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: MI

Complaint narrative:
I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. You are required to do what I am asking and block these transactions listed in my FTC report and letter attached. The identification of these transactions are stated in my FTC report and in my letter attached. You are required to block these transactions on my consumer report within XXXX  days of the receipt of this notice. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The Following Hard Inquiries Are Fraudulent And Need To Be Blocked And Deleted From My Consumer File 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 2024-09-09 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: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX My Social Security Number is : XXXX The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX I'm only employed at : XXXX XXXX Please remove old numbers and address! 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: GA

Complaint narrative:
I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX My Social Security Number is : XXXX The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX I'm only employed at : XXXX XXXX Please remove old numbers and address! 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: WA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed 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 XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened atXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX  a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, a personal phone account with XXXX XXXX opened XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a collections account opened at XXXX on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX on XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXX XXXX  on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. 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 2024-09-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : ( XXXX ) XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion , LLC XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

The following inquiries are related to none of the aforementioned permissible purposes. 

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 XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2024-09-09 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: FL

Complaint narrative:
XXXX XXXX SOC SEC # XXXX XXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX XXXX XXXX XXXXXXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

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 XXXX XXXX XXXX XXXX  Miscellaneous Reptg. Agencies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXXXXXX SOC SEC # XXXX XXXXXXXX XXXXXX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: PA

Complaint narrative:
My account with XXXX XXXX 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 me 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. 


XXXX XXXX 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 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 2024-09-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Village Capital & Investment LLC
State: PA

Complaint narrative:
I am trying to refinance with another company and they are refusing to complete the payoff statement. They have been contacting my daily trying to get me to stay with them and I have told them multiple times that I want to use the other company and to stop contacting me unless it is critical to refinancing my house. They have been harassing me by email, text, and calling me.

Company response to consumer: Closed with explanation