vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Against TransUnion for Inaccurate Late Payment Reporting on Account XXXX Dear Sir/Madam, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and has caused undue harm to my creditworthiness. 
Details of the Reported Late Payments : XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
TransUnion : Late payments reported in XXXX and XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payments reported on this account are inaccurate and have not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus are mandated to follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in my case. 
Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments indicates a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements to prevent unfair penalties to consumers. The errors in my account reporting violate these protections.

Resolution Sought : Immediate removal of all inaccurate late payment notations from my credit report for the account listed above. 
Written confirmation of the correction from TransUnion. 
If this issue is not resolved promptly, I will escalate this matter, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
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 2025-01-11 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Against TransUnion for Inaccurate Late Payment Reporting on Account XXXX Dear Sir/Madam, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and has caused undue harm to my creditworthiness. 
Details of the Reported Late Payments : XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
TransUnion : Late payments reported in XXXX and XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payments reported on this account are inaccurate and have not been corrected despite multiple disputes. 
15 U.S. Code 1681e ( b ) : Credit bureaus are mandated to follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in my case. 
Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors must send periodic statements at least XXXX days before the payment due date. The inaccurate reporting of late payments indicates a failure to comply with this requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements to prevent unfair penalties to consumers. The errors in my account reporting violate these protections. 
Resolution Sought : Immediate removal of all inaccurate late payment notations from my credit report for the account listed above. 
Written confirmation of the correction from TransUnion. 
If this issue is not resolved promptly, I will escalate this matter, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
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 2025-01-11 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: FL

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$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 2025-01-11 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: NJ

Complaint narrative:
Under 15 U.S Code 1681e ( b ) Accuracy of report whenever a Consumer Reporting Agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 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. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), which entitles me to request the method of verification used to investigate. I previously disputed the accuracy of this/these account ( s ) on my credit report, and I recently received your response stating that the disputed items were " verified. '' However, I am requesting a detailed explanation of the following : The method and process you used to verify the accuracy of the disputed information. 

The name, address, and contact information of the person or organization you contacted during your investigation. 

All supporting documentation or evidence provided by the furnisher of the information to support the continued reporting of the item. 

As required by law, please provide this information within XXXX days of receiving this request. If you can not substantiate or verify the disputed information, I request that you immediately delete or correct the inaccurate information, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ). Please remove the following items from my credit report immediately XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
- I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report.These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NV

Complaint narrative:
I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated this things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXX XXXXXXXX BALANCED {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: NV

Complaint narrative:
I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated this things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXX XXXXXXXX BALANCED {$18000.00}

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 explanation
Consumer complaint received 2025-01-11 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XX/XX/XXXX **Subject : ** Dispute of Inaccurate Information and Unauthorized Inquiries Dear CFPB, Im writing to dispute inaccurate information and unauthorized credit inquiries on my credit report. 

XXXX. **Inaccurate Information** : There are some entries on my report that I do not recognize or that are incorrect. I believe these should be removed or corrected. 

XXXX. **Unauthorized Inquiries** : There are credit inquiries listed that I did not authorize. According to the Fair Credit Reporting Act ( FCRA ), inquiries should only appear with my permission, and these should be removed. 

Please investigate these issues and help ensure my credit report is accurate. If you need any more information from me, please let me know. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Subject : ** Dispute of Inaccurate Information and Unauthorized Inquiries Dear CFPB, Im writing to dispute inaccurate information and unauthorized credit inquiries on my credit report. 

XXXX. **Inaccurate Information** : There are some entries on my report that I do not recognize or that are incorrect. I believe these should be removed or corrected. 

XXXX. **Unauthorized Inquiries** : There are credit inquiries listed that I did not authorize. According to the Fair Credit Reporting Act ( FCRA ), inquiries should only appear with my permission, and these should be removed. 

Please investigate these issues and help ensure my credit report is accurate. If you need any more information from me, please let me know. 

Thank you, 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 2025-01-11 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:
I 'am a victim of human trafficking, an unfortunate ordeal that has profoundly impacted my life in a dramatic manner. 

As a result of this harrowing experience, I have suffered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is crucial for my well-being and future prospects that the information pertaining to this traumatic event be blocked from my credit report immediately. I fear that the presence of such sensitive details on my credit history could have far-reaching repercussions and hinder my ability to move forward. 

I implore you to take swift action in addressing this matter and ensure that the necessary steps are taken to safeguard my privacy and protect me from any potential harm that may arise from the unauthorized disclosure of this information. Your cooperation and prompt attention to this request are deeply appreciated. 

I kindly request that you provide me with confirmation once the information has been successfully blocked from my credit report. Please be assured that I am committed to providing any additional documentation or information that may be required to facilitate this process.

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 2025-01-11 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Subject : DEMAND for Immediate Removal of Alleged Late Payments from Credit Report Complaint Details : This is a formal and unequivocal demand for the immediate removal of alleged late payments tied to the following account : XXXX, Account # XXXX Under consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and related legal precedents, transactions and experiences between a consumer and a creditor are not to be reported on credit reports. These alleged late payments are therefore unlawfully being reported. 

Reporting this account with alleged late payments constitutes an illegal act of defamation and misrepresentation, causing undue harm to my credit profile and financial standing. This is a blatant violation of my rights as a consumer, and I will not tolerate this misconduct. 

I am demanding the following : The immediate and permanent removal of the alleged late payments associated with the above account from all credit reporting agencies. 
Written confirmation that these inaccuracies have been corrected and that my credit reports fully comply with the law. 
Failure to resolve this matter promptly will leave me with no choice but to escalate further, including filing additional complaints with other regulatory agencies, issuing formal notices of dispute to all relevant parties, and, if necessary, pursuing legal remedies. 

This issue requires your urgent and immediate attention. I expect a resolution within a reasonable timeframe. 

Thank you for your swift compliance with this request. 

Sincerely, 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 2025-01-11 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: TX

Complaint narrative:
XX/XX/XXXX Subject : XXXX XXXX Equifax for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payments : Equifax : Late payment reported in XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations XXXX 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/XXXX is inaccurate and has not been corrected despite multiple disputes. 
15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in this case. 
Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least XXXX days before the payment due date. The inaccurate reporting of the late payment suggests noncompliance with this requirement, violating consumer rights to timely and accurate disclosures. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The erroneous late payment on this account violates these protections. 
Resolution Sought : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation from Equifax that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I converted billing statements from online to paper so as to utilize the coupon attachment along with tender of payment as a negotiable instrument for offset of debt. A written request for debt validation in the form of a conditional acceptance affidavit was sent to the companys CFO. Several attempts were made by me to offset the debt via negotiable instruments & affidavits with tender of payment were mailed to the company/companys XXXX. They responded by stating that they didnt accept my valid form of payment & refused to offset the alleged debt, yet they did not send me back the negotiable instrument that I sent them. Ultimately they reported the account to the credit bureaus, thus damaging my credit reputation. In addition, records indicate that the account was closed on XX/XX/year> yet they are continuing reporting to the credit bureaus as well as continuing to attempt to collect payment.

Company response to consumer: Closed with explanation