vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: AL

Complaint narrative:
My account 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.

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 2024-12-25 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: NE

Complaint narrative:
Name : XXXX XXXX of XXXX IDType : identification XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX 

I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my TransUnion Consumer report. I have NEVER requested credit from the following accounts : XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately! 
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 2024-12-24 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: NY

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 3rd party. They in fact did not come from a 3rd 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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

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 3rd party. They in fact did not come from a 3rd 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-24 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-25 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Your Address ] [ City, State, ZIP Code ] [ Date ] VyStar Credit Union XXXX XXXX XXXX XXXX, FL XXXX XXXX : Dispute of 30-Day Late Payment Reporting for XX/XX/year> To Whom It May Concern, I am writing to formally dispute the reporting of a 30-day late payment for XX/XX/year>, as furnished by VyStar Credit Union to XXXX and XXXX. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ) and related regulations, which require furnishers of information to provide timely and accurate notice to consumers regarding negative information. 

Violation of Notice Requirements Pursuant to Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) and 12 C.F.R. 1022.7, a financial institution must provide notice to the consumer no later than 30 days after furnishing negative information to a credit reporting agency ( CRA ). Specifically : After providing the initial notice, the institution is not required to send additional notices if subsequent negative information is reported about the same account or transaction. 

VyStar Credit Union failed to comply with this requirement. I did not receive proper notice within 30 days of the negative information being furnished to XXXX and XXXX. This failure to follow federal law has resulted in inaccurate and unfair reporting on my consumer credit file. 

Request for Immediate Action I demand that VyStar Credit Union : XXXX. Remove the XXXX late payment for XX/XX/year> from XXXX and XXXX. 
XXXX. Provide evidence that the notice of negative information was sent to me in compliance with 12 C.F.R. 1022.7 and 15 U.S.C. 1681s-2 ( a ) ( 7 ). 

Failure to comply with this request will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing remedies under the FCRA. 



Conclusion VyStar Credit Unions failure to adhere to federal law has caused significant harm to my creditworthiness. I request immediate rectification of this matter to prevent further damage.

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 2024-12-25 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: FL

Complaint narrative:
XXXX XXXX XXXX [ Your Address ] [ City, State, ZIP Code ] [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Dispute of 30-Day Late Payment Reporting for XX/XX/year> To Whom It May Concern, I am writing to formally dispute the reporting of a 30-day late payment for XX/XX/year>, as furnished by XXXX XXXX XXXX to Equifax and XXXX. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ) and related regulations, which require furnishers of information to provide timely and accurate notice to consumers regarding negative information. 

Violation of Notice Requirements Pursuant to Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) and 12 C.F.R. 1022.7, a financial institution must provide notice to the consumer no later than 30 days after furnishing negative information to a credit reporting agency ( CRA ). Specifically : After providing the initial notice, the institution is not required to send additional notices if subsequent negative information is reported about the same account or transaction. 

XXXX XXXX XXXX failed to comply with this requirement. I did not receive proper notice within 30 days of the negative information being furnished to Equifax and XXXX. This failure to follow federal law has resulted in inaccurate and unfair reporting on my consumer credit file. 

Request for Immediate Action I demand that XXXX XXXX XXXX : 1. Remove the 30-day late payment for XX/XX/year> from Equifax and XXXX. 
2. Provide evidence that the notice of negative information was sent to me in compliance with 12 C.F.R. 1022.7 and 15 U.S.C. 1681s-2 ( a ) ( 7 ).

Failure to comply with this request will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing remedies under the FCRA. 



Conclusion XXXX XXXX XXXX failure to adhere to federal law has caused significant harm to my creditworthiness. I request immediate rectification of this matter to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-12-24 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: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
Not sure of dates, but about XX/XX/year> I received a letter in the mail taking me to court by Jefferson capital, whom I had never heard about. After checking my credit report, they had already reported on my credit before ever hearing from them. I then emailed them. It was explained to me that once the sheriff 's office had filed paperwork, I would get notified on my door by a police officer. Ordering me to go to court and that never happened. Then in XXXX, I received a letter by mail for a settlement. So I assume court was null and void, so I never went. I never received an email reply. And I have yet to hear from them again. They have never validated my debt or proved that I owed anything. They actually bought my debt from another debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
Requested a copy of 1099c since they written it off as a charge off ( a profit loss ) on their taxes and they were supposed to provide me the 1099c copy so I can write it off as income. They did not do it. At the same time, they are still reporting on the credit report that I owed the balance even though they took a tax break.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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:
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 3rd party. They in fact did not come from a 3rd 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 explanation
Consumer complaint received 2024-12-25 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: NY

Complaint narrative:
Two fraudulent accounts from XXXX XXXX. Requesting TransUnion block these XXXX XXXX accounts, since I am a victim of identity theft. Thank 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 2024-12-25 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: IL

Complaint narrative:
Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. And in accordance to the FCRA, XXXX  account numbers XXXX and XXXX has violated my rights. 

15 USC USC 1681 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 604 A SECTION 2 STATES CONSUMER REPORTING AGENCIES CAN NOT FURNISH ACCOUNTS WITHOUT MY CONSENT

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 2024-12-25 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: MN

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. 
Account name : XXXX : XXXX  XXXX Bankruptcy, Experian : XXXX  XXXX Bankruptcy, XXXX : XXXX  XXXX Bankruptcy, XXXX : XXXX, Experian : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Experian : XXXX, XXXX, XXXX XXXX XXXX, XXXX : XXXX, Experian : XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX : XXXX, XXXX : XXXX, XXXX, Experian : XXXX, XXXX : XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX, XXXX, XXXX, Experian : XXXX, XXXX XXXX XXXX, XXXX : XXXX, Experian : XXXX XXXX XXXX, XXXX, Experian : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX, XXXX XXXX XXXX, XXXX : XXXX, XXXX, XXXX XXXX XXXX, Experian : XXXX, XXXX : XXXX XXXX XXXX : XXXX, Experian : XXXX, XXXX : XXXX, XXXX : XXXX, Experian : XXXX XXXX XXXX : XXXX, XXXX : XXXX, Experian XXXX XXXX, XXXX : XXXX, XXXX, XXXX, XXXX : XXXX, XXXX : XXXX, Experian XXXX XXXX, XXXX : XXXX, XXXX : XXXX, Experian : XXXX, XXXX : XXXX, XXXX : XXXX, Experian : XXXX, XXXX : XXXX XXXX XXXX : XXXX, Experian : XXXX, XXXX : XXXX According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2, they are supposed not to 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.

15 U.S.C. 1681B ( 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 explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I purchased 3 AMEX giftcards on XX/XX/24, total $ XXXX on order number XXXX. These gift cards are useless! You can not use them online YET the documentation from AMEX states you can use it online. I was going to give these away as XXXX gifts but I was keeping one for myself. I have tried to use the giftcard online and it is not accepted online. You do not gather the person 's information like XXXX and the giftcard is not accepted. You are docking my card XXXX each time it is refused at an online retailer. This is ridiculous and no wonder you have a promotion with free fees and shipping right now because the card is useless. I can not give these away as gifts now! Terrible product! I would please like {$120.00} refunded and these cards cancelled. I put a complaint in with XXXX  and they have ignored it. Upon reading online, it says to notify consumer protection so that is what I am doing now. 
The website and paperwork with the giftcards say can be used online! That is the main reason I purchased these!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-25 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:
Experian is reporting my account as closed. XXXX is reporting my account as closed. 
XXXX is reporting my account as OPEN. 

I told all XXXX credit agencies to remove the account because XXXX is not the same. Its been open for over 8 months after the account was closed. 

XXXX is cheating me. They wants to close the account instead of removing it from my credit report. I have proof of everything. 

The account is XXXX XXXX XXXX  loan

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