vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-25 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: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: GA

Complaint narrative:
Looking at my credit report I saw late payments on an account that Ive always paid on time. Credit reports are the focal points in todays society and without it the world is doomed, this missed payment is not accurate and I kindly ask for you update this account and remove these late payments from my credit report on the account listed below. 
XXXX XXXX XXXX / XXXX Amount : {$530.00} Account number : XXXX Account Opened : XX/XX/year> b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please provide documentation proving that I was ever late paying on this account if you arent able to provide proof I ask and demand the accounts to be updated with true status of showing on time payments. Ive always paid my accounts on time without delay. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Equifax for failing to correct the inaccurate reporting of late payments on my credit report for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite multiple requests for correction through letters dated XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of the information reported in consumer files. In my case, this requirement has not been fulfilled, as the same errors regarding late payments have persisted across multiple disputes. 
Additionally, under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments on my account indicates that this requirement was not followed. 
TILA Violations The Truth in Lending Act requires accurate and timely disclosures to consumers. The inaccurate reporting of late payments on my XXXX XXXX XXXX has caused unjustified harm to my credit score and financial standing, violating these obligations. 
Protection Against Non-Payment of Obligations Act ( PAANL ) The Protection Against Non-Payment of Obligations Act ( PAANL ) also reinforces creditors ' responsibility to issue timely billing statements to avoid unfair penalties. The errors in my accounts late payment reporting show a failure to meet this requirement, leading to unjust consequences. 
Pattern of Inaccuracies The discrepancies in late payment reporting across all three credit bureaus show a pattern of inaccurate information. These errors are causing harm to my credit score, despite my previous disputes. The information reported by XXXX, XXXX, and Equifax is not only inconsistent but also incorrect. 
I formally request that these errors be corrected and removed from my credit report immediately. If these issues are not resolved promptly, I will escalate my complaint further, including filing additional complaints with regulatory agencies and pursuing legal action to protect my consumer rights. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am filing this complaint against the North Carolina State Employees ' Credit Union ( NCSECU ) regarding their failure to respond to my formal written dispute and subsequent Notice of Default related to my auto loan, which originated in XX/XX/XXXX. 

The original loan amount was {$21000.00}, and I have made payments totaling {$5900.00} toward the loan thus far. As of XX/XX/XXXX, the current balance remaining on the loan is {$16000.00}. 

On XX/XX/XXXX, I sent a certified letter to NCSECU disputing the terms of my loan under account number [ Insert Account Number ], in which I outlined specific concerns about the handling of my promissory note and requested documentation, including a copy of the original note and the title to my vehicle. I also raised concerns that the debt had been improperly handled and that NCSECU had failed to follow the legal obligations required under the Uniform Commercial Code ( UCC ) and Truth in Lending Act ( TILA ). 

Despite receiving confirmation that NCSECU received my initial dispute letter, they failed to respond. As a result, I sent a Notice of Default at the end of XXXX, again via certified mail, informing them of their default and reiterating my demand for a response. This letter also requested the return of all payments I made toward the loan, given that the promissory note should have satisfied the debt in full. To date, NCSECU has not responded to either letter, nor have they provided the requested documentation or acknowledged the dispute. 

NCSECUs lack of response constitutes a breach of their legal obligations under UCC 3-305 ( Defenses and Recoupment ) and UCC 3-501 ( Presentation and Handling of the Promissory Note ). Furthermore, their failure to respond violates my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), which prohibits further collection activities once a debt is in dispute, and 15 U.S.C. 1692e, which prohibits misrepresentation of the status of the debt. NCSECU continues to act as if no dispute has been filed, and no resolution has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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 am asking for your support with the incorrect account being listed on my credit report. This issue has been damaging to my reputation, and I need your help. Your handling of my credit report has negatively affected me, and the false reporting has done serious harm to my reputation. You must remove the incorrect details 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 explanation
Consumer complaint received 2024-10-25 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: MA

Complaint narrative:
Trans union XXXX XXXX still showing a balance on a credit card from XXXX XXXX XXXX XXXX that i already paid off. and i need that account deleted from my credit report. As the bank agreed to delete. Thank you. i would greatfully appreciated. i've Gone through a financial Hardship And This Would Help Me With My Credit in the future. Thank You So Much.

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 2024-10-25 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: TN

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number XXXX which is enclosed with this correspondence.

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 2024-10-25 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: TN

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number XXXX, which is enclosed with this correspondence.

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 2024-10-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Emergent Business Group, Inc.
State: TX

Complaint narrative:
I graduated from the school XX/XX/year> but my last semester there I had a balance of {$640.00} remaining after graduation. I had autopay set up which stopped once the school went thru a court case that dismissed all loans. I never received any paper work but recently started receiving calls and notifications that the balance owed now is {$7800.00}. I ask about balance and just was advised it is owed but never received and documents. I disputed the account through credit bureaus but never received anything validating the debt. I recently reach out to the college which denying everything and referred me to call a collection agency to verify what is being collected. The collection agency advised they had no information to provide and I would need to contact another agency since they do not have the debt in their office. I have not received any response or been able to speak to anyone from that agency regarding this debt. The debt is only showing {$780.00} on account owed not the {$78000.00} they are requesting. I submitted a screenshot but have loan documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Dear All, I am writing to inform you about an extremely distressing issue that I have faced with my TD Bank credit card application. After receiving a document from TD Bank offering me a credit card, I applied for it as I thought it might be useful. My application was approved, and I was expecting the card to arrive at my home. However, instead of receiving the card, I was shocked to find a letter stating that someone else had already taken possession of the card and made transactions with it. 

I am completely confused as to how this could happen. For my other credit cards, they can not be used until I activate them, but in this case, someone seems to have exploited a security flaw in the banks process. This situation has caused me significant distress because it has negatively impacted my credit score, and I am struggling to resolve the issue. 

I contacted TD Bank and explained what had happened. They closed the card and started an investigation. I was also given a new card number and instructed to visit a branch to collect the new card. However, when I visited the branch, they informed me that they couldnt issue the card and that it would be sent to my home instead. Despite my insistence, they did not assist me further. 

Now, I have received another letter stating that I must pay the outstanding charges, even though I am not at fault. I fail to understand why I am being held responsible for these fraudulent charges. The bank has said that if I pay the amount now, they will refund me after the investigation is complete, but this is deeply unfair, especially given that my credit score has already been harmed.

This situation has not only affected my credit score but also caused me immense frustration, taking up time and energy that I need for my own work. I kindly ask for your review of this situation and prompt resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX $ is owed to me by Citibank they closed my account

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 2024-10-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me thanks hard inquiry - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Looking at my credit report I saw late payments on an account that Ive always paid on time. Credit reports are the focal points in todays society and without it the world is doomed, this missed payment is not accurate and I kindly ask for you update this account and remove these late payments from my credit report on the account listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please provide documentation proving that I was ever late paying on this account if you arent able to provide proof I ask and demand the accounts to be updated with true status of showing on time payments. Ive always paid my accounts on time without delay.

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 2024-10-25 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: MI

Complaint narrative:
Subject : Notice of Violation of Consumer Rights Under the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally notify you that the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Specifically, these accounts have failed to comply with the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy and integrity of the information reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon reviewing my Experian credit report on XX/XX/year>, I discovered multiple inaccuracies and incomplete information. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they provide in consumer reports. These standards were not met in my case.

Moreover, per 15 U.S.C. 1681i ( a ) ( 5 ), when inaccurate or unverifiable information is disputed by a consumer and is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : ( i ) promptly delete or modify the disputed information based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of the information that it has been modified or deleted from the consumer 's file. 

Additionally, under 15 U.S.C. 1681s-2, furnishers are prohibited from supplying any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

I request that immediate action be taken to correct the violations and ensure compliance with the FCRA. Please confirm the steps that will be taken to address this issue and provide me with an updated credit report reflecting the necessary corrections. 

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
" After banking with US Bank for XXXX years, they abruptly closed all my checking accounts and credit cards without any prior notice, whether by phone or mail. This has left me unable to make any payments. I received a letter afterward, which vaguely referenced their terms of service as the reason for the closure. No one from the bank is willing to communicate or provide further explanation. ''

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 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: NH

Complaint narrative:
The company closed my bank account, and I have been a happy customer for over 2 years. They closed my account based on the documents I uploaded when they asked. I initiated a Money Transfer to a XXXX XXXX for his services ( to whom I have sent money before totaling over {$1000.00} over a year ), and they asked for a paystub or tax return to prove my income. I uploaded my pay stub that was just given to me 1 week ago, and then, after 4 hours, they decided to close my account for no reason. I assume it is because of my documents or income? I work at one of the most employed companies in the US. I downloaded the paystub from the official XXXX XXXX XXXX  I have held money in there since 2 years ago, and for them to abruptly close my account is horrid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-25 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: NV

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately 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