vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX Florida, XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted.

- A copy of- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. my Identity Theft Report and proof of my identity.

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 2024-11-12 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 EXPERIAN XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My account always shows pending Transactions. Ill assume the money have been taken out. Then I later get charged with over draft fees. I deposit funds into my account and they take my funds out my account and put it towards my credit card payment which they already sent me to the credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-12 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: PA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : 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 2024-11-12 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: FL

Complaint narrative:
I was in the market for purchasing a car.

3 inquiries were made on my credit report For the same reason on the same day.

Yet my credit score took a drop in score for each inquiry. If i am correct, when its in a certain time frame it only counts as on hit. Which raised my inquiry total as well which also drop my score.

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 2024-11-12 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: IN

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 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 2024-11-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
I received an email that I got a new collection last XX/XX/XXXX of 2024, from Reliant Capital Solution as the collector, and the original creditor name is XXXX XXXX  XXXX Nevada. 

I am subscribed to XXXX XXXX by XXXX XXXX. I called them to dispute this file, and they filed this dispute ; they called me 24 hours later, and we had a conference call with Reliant Capital Solution ; they asked me if I had ever lived in XXXX XXXX ; this collection is for {$1700.00} for a student loan, I said to them I have never lived outside Texas or Florida and I neither study any college in the United States. 

They asked me to file a police report and file a claim in idetitytheft.gov and the Federal Trade Commission ( www.ftc.gov/. ). I have done everything they required. 

I also called XXXX XXXX, and they informed me I do not have any outstanding loans. Therefore, I called the XXXX XXXX XXXX Nevada, and they said they are a private school. I was required to send all the information I sent to the collector agency, still waiting for their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2024-11-12 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 did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-12 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
Friday XX/XX/year> I filled a dispute around XXXX XXXX XXXX XXXX a temporary credit was issued to my account. I checked aint account around XXXX and seen my account has been frozen. I called the bank for more information and was told I cant use debit card only withdraw from bank. Saturday XX/XX/scrub>XXXX XXXX XXXX I came to the bank was told I cant withdrawal anythings after an hour I was able to withdrawn XXXX. The rest I have to wait till Tuesday. Tuesday morning XXXX XXXX I call then bank and spoke with XXXX XXXX and was informed I can withdraw XXXX from my saving and XXXX XXXX from my checking. The temp credit was on hold until investigation complete. Now I come to the bank and I getting the run around saying I cant withdraw anything. Until investigation is complete which could take 90 days. They are unfairly holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: TX

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 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 2024-11-12 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: TX

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 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 2024-11-12 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: NC

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2024-11-12 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: FL

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 30 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 2024-11-12 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:
XXXX ( previously XXXX ) Account # XXXX I am writing to dispute the in inaccurate information from the XXXX/U.S. Department of Education that appears on my XXXX, TransUnion and XXXX XXXX XXXX reports that indicate that I have XXXX XXXX payments for XX/XX/XXXX and XX/XX/XXXX. 

The XXXX Department of Education has permanently banned Navient from servicing Direct Loans and other financial aid programs due to XXXX making numerous processing errors, including misapplying payments and harming the credit scores of borrowers which has inluded mine. Now that XXXX loans are with XXXX these proessing errors inluding missapplied payments are again showing on my credit report with XXXX and harming my XXXX XXXX. I have disputed this numerous times to deaf ears. 
XXXX. XXXX/U.S. Department of Education XXXX XXXX show my payment and correct applied payments to loans through XX/XX/XXXX. 
XXXX. XXXX/U.S. Department of Education XXXX XXXX show my payment and proessing errors and misapplied payments to loans XXXX through XXXX. 
Enclosures : XXXX Department of Education Debt Collection Bill XX/XX/XXXX Collection Bill from XXXX XX/XX/XXXX XXXX Department of Education XXXX XXXX XXXX XX/XX/XXXX XXXX Payment History Navient Borrower payment records XXXX XXXX accounts showing 90 day late payments for XX/XX/XXXX and XX/XX/XXXXXXXX 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 2024-11-12 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: AL

Complaint narrative:
XXXX ( previously XXXX ) Account # XXXX I am writing to dispute the in inaccurate information from the XXXX/U.S. Department of Education that appears on my XXXX, XXXX and Equifax XXXX XXXX reports that indicate that I have XXXX XXXX payments for XX/XX/XXXX and XX/XX/XXXX. 

The XXXX Department of Education has permanently banned Navient from servicing Direct Loans and other financial aid programs due to XXXX making numerous processing errors, including misapplying payments and harming the credit scores of borrowers which has inluded mine. Now that XXXX loans are with XXXX these proessing errors inluding missapplied payments are again showing on my credit report with XXXX and harming my credit score. I have disputed this numerous times to deaf ears. 
XXXX. Navient/U.S. Department of Education XXXX XXXX show my payment and correct applied payments to loans through XX/XX/XXXX. 
XXXX. Navient/U.S. Department of Education XXXX XXXX show my payment and proessing errors and misapplied payments to loans XXXX through XXXX. 
Enclosures : XXXX Department of Education Debt Collection Bill XX/XX/XXXX Collection Bill from XXXX XX/XX/XXXX XXXX Department of Education XXXX XXXX XXXX XX/XX/XXXX XXXX Payment History XXXX  Borrower payment records XXXX XXXX accounts showing 90 day late payments for XX/XX/XXXX and XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: AL

Complaint narrative:
XXXX ( previously XXXX ) Account # XXXX I am writing to dispute the in inaccurate information from the XXXX/U.S. Department of Education that appears on my Experian, XXXX and XXXX XXXX XXXX reports that indicate that I have XXXX XXXX payments for XX/XX/XXXX and XX/XX/XXXX. 

The XXXX Department of Education has permanently banned XXXX  from servicing Direct Loans and other financial aid programs due to XXXX making numerous processing errors, including misapplying payments and harming the credit scores of borrowers which has inluded mine. Now that XXXX loans are with XXXX these proessing errors inluding missapplied payments are again showing on my credit report with XXXX and harming my XXXX XXXX. I have disputed this numerous times to deaf ears. 
XXXX. XXXX/U.S. Department of Education XXXX XXXX show my payment and correct applied payments to loans through XX/XX/XXXX. 
XXXX. XXXX/U.S. Department of Education XXXX XXXX show my payment and proessing errors and misapplied payments to loans XXXX through XXXX. 
Enclosures : XXXX Department of Education Debt Collection Bill XX/XX/XXXX Collection Bill from XXXX XX/XX/XXXX XXXX Department of Education XXXX XXXX XXXX XX/XX/XXXX XXXX Payment History XXXX  Borrower payment records Experian XXXX accounts showing 90 day late payments for XX/XX/XXXX and XX/XX/XXXXXXXX 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 2024-11-12 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: NJ

Complaint narrative:
I am writing to formally dispute an inaccurate late payment reported on my consumer report from " XXXX XXXX XXXX XXXX ( Account : XXXX ), '' marked as a late payment for XX/XX/year>. This record is incorrect, and I request an immediate investigation and correction of my report. The inaccurate reporting of this late payment violates my rights under the Fair Credit Reporting Act ( FCRA ) and potentially other applicable laws : Violation of FCRA ( 15 USC 1681i ) - The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of information in consumer reports. Reporting an incorrect late payment fails to meet this standard. Failure to Conduct Reasonable Investigation - Under the FCRA, credit bureaus are obligated to conduct a thorough and accurate investigation of disputed information. This obligation was not met in this case, as this inaccurate reporting has not been corrected. Rights to Fair Resolution under the FCRA - As per the FCRA, consumers have the right to timely correction of any disputed and inaccurate information.

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