vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

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 2024-11-23 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:
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 2024-11-23 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: CA

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I noticed some instances of late payments on an account tor which I have always maintained timely payments. consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative imagines information be reported with upmost accuracy. I have never missed a payment on my XXXX XXXX  account XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to Furnish proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX XXXX XX/XX/year> {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Jacob Law Group, PLLC
State: AL

Complaint narrative:
I would like to add to the complaint against XXXX. According to Rise, the account was sold to XXXX. Jacob Law initially claimed they were handling the case. However, after I emailed them documents requesting verification of the account, they stopped responding. 

I have contacted XXXX multiple times, but their representatives have refused to verify the account or take steps to resolve the issue. As a consumer, I have made every effort to address this matter, but XXXX has neglected its responsibility by continuing to report the debt without resolving it. 

Additionally, I spoke with Jacob Law Group, which eventually closed the account after admitting they had the incorrect Social Security number on file. I will attach an email I sent to Jacob Law regarding the XXXX account as evidence. 

XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires companies to reasonably investigate consumer disputes and correct inaccurate information if found. XXXX has failed to do so, and seven months have passed without resolution. 

This unresolved debt has significantly impacted my ability to obtain a XXXX XXXX XXXX, which has caused me undue stress and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
These collection companies are in violation of the FCRA pursuant to ( 15 USC 1692g ) & ( 15 USC 6802 ) These are the companies in violation of the FCRA ... ....

- XXXX XXXX XXXX  ( XXXX IS THE ORIGINAL CREDITOR ) WITH A BALANCE REPORTING {$1200.00}, WHICH WAS REPORTEDLY OPENED XX/XX/year> - DIVERSIFIED ADJUSTMENT ( XXXX IS THE ORIGINAL CREDITOR ) WITH A BALANCE REPORTING {$1100.00}, WHICH WAS REPORTEDLY OPENED XX/XX/year> - XXXX XXXX XXXX ( XXXX  IS THE ORIGINAL CREDITOR ) WITH A BALANCE REPORTING {$2700.00}, REPORTEDLY OPENED XX/XX/year> XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: TX

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

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

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX 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! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: TX

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 1637 ( 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 1637 ( b ).

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


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


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: PA

Complaint narrative:
I have unauthorized and unverified inquiries on my credit report that needs immediate removal. Under the FCRA specifically 15 U.S code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. The financial institution 's listed below no permissible purpose by law to contact third parties with my private or personal information this offense amounts to aggravated identity theft pursuant to 18 U.S.C 1028A. XXXX XXXX  on XXXX, XXXX XXXX XXXX, XXXX XXXX  on XXXX, XXXX on XXXX, XXXX XXXX on XXXX. I haven't initiated any transactions with any of these companies furthermore I dont have an account under 15 U.S.C 1693a ( 2 ) for review or collection with any of these companies these inquiries needs to be removed immediately.

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 2024-11-23 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: PA

Complaint narrative:
I have unauthorized and unverified inquiries on my credit report that needs immediate removal. Under the FCRA specifically 15 U.S code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. The financial institution 's listed below no permissible purpose by law to contact third parties with my private or personal information this offense amounts to aggravated identity theft pursuant to 18 U.S.C 1028A. XXXX XXXX  on XXXX, XXXX XXXX XXXX, XXXX XXXX  on XXXX, XXXX on XXXX, XXXX XXXX on XXXX. I haven't initiated any transactions with any of these companies furthermore I dont have an account under 15 U.S.C 1693a ( 2 ) for review or collection with any of these companies these inquiries needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I applied for the Chase Amazon Prime Credit Card. I thawed my credit reports for this application.

I was told at time of application that a review was needed. 
I received a denial letter XX/XX/year>. The reason provided was that there was a potential concern that someone was attempting identity theft in my name. 
I called Chase fraud at XXXX. I spoke with an agent. She attempted to verify my phone number and could not. She asked me to hang up the phone and she would call me back. She did not. 
The very same night of this application after concern for review I opted to reapply for the Amazon Store Card that I had previously but had closed. The application passed with no issues. 
I am a member of XXXX XXXX and all three reporting agencies. There has been no evidence of identity theft. My accounts are always paid in full and on time. 
In XXXX of this year there was a XXXX XXXX that I had with XXXX XXXX  that was used for a fraudulent charge. The card company investigated the matter and I was found not at fault. The card was closed during this process. 
No other inclination as to their response for identity theft and or not returning my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: AZ

Complaint narrative:
Hello Im very concerned about fraudulent inquiries that were made on my consumer report.

I did not initiate this accounts please remove as soon as possible. Im in the process of buying a home and there should not be activity on my consumer report. Thank you for your help. 

XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX  XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX  XXXX ( XX/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 2024-11-23 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: AZ

Complaint narrative:
Hello Im very concerned about fraudulent inquiries that were made on my consumer report.

I did not initiate this accounts please remove as soon as possible. Im in the process of buying a home and there should not be activity on my consumer report. Thank you for your help. 

XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX  XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX  XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I opened an account at BonTon years ago, and it went to collections. They sold the account to XXXX XXXX XXXX XXXX. I settled that account with XXXX XXXX XXXX and it is paid in full. 

For one, this account should not even be on my report, due to the fact they sold it to XXXX XXXX XXXX XXXX. Second, the account is not delinquent, it is paid in full. I have disputed this. I was told by Comenity Bank this would be taken care of and taken off. 
I am about to close on my first house, and this account is holding me back from getting the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

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 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 2024-11-23 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: DC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-23 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: CT

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-23 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: TN

Complaint narrative:
I am writing to formally dispute the inaccuracies in the reporting of Account # XXXX, originally associated with XXXX which appears on my credit report. Upon reviewing the reports from TransUnion, XXXX, and XXXX, I have identified several discrepancies and FCRA violations that require immediate correction. 

Specific Violations and Issues : Inconsistent Reporting Across Credit Bureaus : Key details of this account, including the Date of Last Activity, Date Opened, and Account Status, vary across the credit bureaus. These inconsistencies violate the FCRAs requirement for accurate and consistent reporting. 
Failure to Accurately Reflect Transfer to Another Lender : XXXX lists the account as " Transferred to another lender, '' while TransUnion and XXXX do not include this information. If the account has been transferred, all credit bureaus must accurately reflect this status. 
Misrepresentation of Account Status : The account is reported as " Indeterminate '' for its status, which is vague and misleading. FCRA requires clear and accurate reporting of account statuses, such as " Closed, '' " Settled, '' or " Transferred. '' Misrepresentation of Payment and Balance Information : While the balance is reported as {$0.00} on all three reports, TransUnion describes the account as " Charged off as bad debt, '' while XXXX lists it as " Charge-off, Transferred to another lender. '' This inconsistency suggests inaccuracies in how the account 's resolution is being reported. 

Requested Action : I demand the following actions to bring this account into compliance with FCRA requirements : Correct all inconsistencies in the account details, including dates, status, and remarks, across all credit bureaus. 

Update the account to clearly reflect its status as " Transferred, '' " Closed, '' or another definitive status. 

Ensure the reporting aligns with FCRA standards for accuracy and clarity, particularly regarding the transfer of the account to another lender.

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