vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 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: OR

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-14 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:
XXXX XXXX Account # : XXXX FCRA Section 611 requires that information be accurate and verifiable. Credit report shows {$0.00} for monthly payment and balance. If the account was active and had payments or balances, reporting {$0.00} might be incorrect. Accurate reporting of balances and payments is essential under the FCRA. Under this FCRA laws I demand this inaccurate account be removed immediately for reporting inaccurate information on my credit report and I demand a written letter once this account is removed.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Account # : XXXX FCRA Section 611 requires that information be accurate and verifiable. Credit report shows {$0.00} for monthly payment and balance. If the account was active and had payments or balances, reporting {$0.00} might be incorrect. Accurate reporting of balances and payments is essential under the FCRA. Under this FCRA laws I demand this inaccurate account be removed immediately for reporting inaccurate information on my credit report and I demand a written letter once this account is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint in my capacity as an informed consumer, deeply concerned with XXXX 's flagrant disregard for the Fair Credit Reporting Act ( FCRA ) and the rights it guarantees. Despite multiple attempts to rectify a fraudulent account on my credit report, XXXX has persistently failed to adhere to both procedural and substantive requirements of the FCRA. 

The account in question, which does not belong to me, has been unlawfully retained on my credit report for over seven yearswell beyond the permissible reporting period as specified under FCRA 623 ( a ) ( 5 ) ( A ). My repeated requests for XXXX to provide the method of verification, or alternatively, to delete the account, have been ignored. This is a clear violation of the duties imposed on them under the FCRA. 

Furthermore, XXXX has also failed to comply with FCRA 623 ( a ) ( 7 ), which mandates that consumers must be notified when negative information is reported. At no point have I received any such notice regarding this account. Despite my dispute, XXXX continues to assert that the account is verified, without conducting the requisite thorough investigation into my claim. This, too, is a violation of their obligations under the FCRA. 

In summary, XXXX has committed the following violations : 1. Failure to provide the required notice when reporting negative information.

2. Reporting and retaining inaccurate information on my credit report beyond the permissible period.

3. Failure to conduct a proper investigation into my dispute as mandated by the FCRA. 

These actions are not just negligent ; they are willful violations of federal law, entitling me to statutory damages of {$1000.00} per violation, in addition to any actual damages incurred. 

I request immediate and decisive intervention from the CFPB to compel XXXX to delete this fraudulent account from my credit report and to confirm this action has been taken. Given the clear violations and the harm caused, this matter warrants prompt and serious attention from your office to ensure full compliance with the FCRA and to safeguard my rights as a consumer. 

Thank you for your swift attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX for {$1800.00} posted on XX/XX/XXXX Activity ID : XXXX Dispute originally filed on XX/XX/XXXX XXXX sent a product that was not as described, tried to resolve with them unsuccessfully. 

XXXX has refused to refund the money XXXX charged despite never receiving the product I ordered.

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 2024-08-14 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am filing this complaint against Goldman Sachs Bank USA regarding their continued reporting of an unauthorized account on my credit report, specifically related to the Apple Card under account number XXXX. Despite multiple disputes, Goldman Sachs has failed to remove the account or provide adequate verification that the account was legitimately opened by me. 

I did not authorize the opening of this account, and its presence on my credit report has caused significant harm to my credit score. Goldman Sachs failure to properly investigate my dispute violates the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i, which requires furnishers of information to conduct a reasonable investigation upon receiving a consumer dispute. Furthermore, Goldman Sachs continued reporting of this unauthorized accoun
t violates the Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 ( b ), which protects consumers from being held responsible for unauthorized charges. The presence of this account and any related negative information on my credit report has resulted in financial harm and emotional distress. 

Despite clear evidence provided, Goldman Sachs has not taken appropriate action to correct this situation, leading to ongoing damage to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: NJ

Complaint narrative:
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent accounts were opened. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent accounts off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did NOT authorize : XXXX. The following account is NOT MINE : XXXX XXXX, Date opened : XX/XX/XXXX, account # XXXX XXXX. The following account is NOT MINE : XXXX XXXX, account # XXXX, Date opened : XX/XX/XXXX Please remove it from my credit report. XXXX. The following account is NOT MINE : XXXX XXXX, account # XXXX, Date opened : XX/XX/XXXX. Please remove it from my credit report. XXXX. XXXX XXXX, Date opened : XX/XX/XXXX, account # XXXX. Please remove it from my credit report. XXXX. XXXX XXXX XXXX, Date opened XX/XX/XXXX, account # XXXX. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Please also update the address on my consumer reports and name. My ONLY ADDRESS AND NAME that should be showing on my reports is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and my only name is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent accounts were opened. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent accounts off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did NOT authorize : 1. The following account is NOT MINE : XXXX XXXX, Date opened : XX/XX/XXXX, account # XXXX XXXX. The following account is NOT MINE : XXXX XXXX, account # XXXX, Date opened : XX/XX/XXXX Please remove it from my credit report. 3. The following account is NOT MINE : XXXX XXXX, account # XXXX, Date opened : XX/XX/XXXX. Please remove it from my credit report. 4. XXXX XXXX, Date opened : XX/XX/XXXX, account # XXXX. Please remove it from my credit report. 5. XXXX XXXX XXXX, Date opened XX/XX/XXXX, account # XXXX. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Please also update the address on my consumer reports and name. My ONLY ADDRESS AND NAME that should be showing on my reports is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my only name is 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 2024-08-14 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: GA

Complaint narrative:
These listed inquiries are not mine, and Im not affiliated with these creditors. Kindly remove them from my credit report urgently.

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 2024-08-15 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: NJ

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account is been taken as long as they feel like to send back all the information we needed to remove this both accounts have been reported on my credit for over two months and when I contacted the company trying to find out more information on why are they continuing to tell the credit company and tell them oh well we have this to verify that this account is and belongs to the person name XXXX XXXX we can not find out how the information they are saying is more then a copy of a police report that I know I sent in but now it's just comes up lost file I think something is up with the company so be for I file this hard lawsuit against them and I understand they want tlbe able to pay it. Can you look in to this. Company name address is XXXX 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 2024-08-14 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: LA

Complaint narrative:
Carefully read my complaint as I need immediate action regarding this. Items that has resulted from fraud which I never benefitted from still appears on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my XXXX This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Attempted to dispute an incorrect name on my credit report. Only shows up on the Transunion report. I have only ever been known as XXXX XXXX XXXX - no other aliases. 

Attempts to dispute with Transunion have been unsuccessful. I can not login to the website ( shows as unable to authenticate my identity ). Attempts to call Transunion as directed by the website result in me being transferred to a " chat '' service ( if the call doesn't disconnect first ). The chat agents then direct me to call ending up in a circle.

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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: IN

Complaint narrative:
every month Selene finance charges me hundreds of dollars in fees in when I bring my account current. There is no explanation for the fees and the fees are hundreds of dollars. 

In XX/XX/year>, I paid over {$3700.00} to being my account current and prevent foreclosure. Selene only credited me for {$2400.00} approx. and charged me fees for the rest of the money. 

The very next monththey charged me almost {$400.00} in fees. None of the fees have valid explanations. 

I would also like to see the policies and fee schedules for late payments and foreclosures. 

I can never get ahead because they do not apply my payments to the principal and interest. They constantly take my payments for their bogus made up fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: NY

Complaint narrative:
Dear CFPB, I am writing to dispute a charge-off account reported on my credit reports by EXPERIAN, violating the Fair Credit Reporting Act ( FCRA ). I request an investigation and removal of the inaccurate information.

Account Information : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX Date of Alleged Default : XX/XX/2024 Dispute : The charge-off account is inaccurate and violates the following FCRA sections : - 15 U.S.C. 1681e ( a ) - Information shall be accurate : The account status is inaccurate.

- 15 U.S.C. 1681e ( b ) - Duty to correct and update information : The creditor failed to update the account status after payment/full satisfaction.

- 15 U.S.C. 1681i ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute, leading to continued reporting of inaccurate information.

- 15 U.S.C. 1681s-2 ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute.

- 15 U.S.C. 1681c ( a ) ( 1 ) - Inaccurate information shall be deleted : The charge-off account is inaccurate and shall be deleted.

Specifically, I dispute : - The account status as " charge-off '' has been remove from my credit report.

Request : I request the CFPB to : 1. Investigate this matter and require the creditor to correct the inaccurate information.

2. Remove the charge-off account from my credit reports.

3. Remove any negative marks associated with the disputed account.

Supporting Documentation : I have attached copies of : - My credit reports showing the inaccurate information.

- Driver License - Social Security -Proof of Residence Please investigate and take appropriate action to correct the inaccuracies.

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 2024-08-14 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: LA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) 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. 
TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


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 non-monetary relief