vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account wasn't reported accurately. I know accounts can miss represent paid on time reporting. I had two late that was paid on time. The Consumer Reporting Agency have an obligation to report all information with complete accuracy. I have attached a copy of this complaint in XXXX XXXX 'm now requesting you to investigate this account and update these payments to paid on time immediately. Thanks so much for your prompt action.

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 2024-06-19 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account wasn't reported accurately. I know accounts can miss represent paid on time reporting. I had two late that was paid on time. The Consumer Reporting Agency have an obligation to report all information with complete accuracy. I have attached a copy of this complaint in XXXX XXXX 'm now requesting you to investigate this account and update these payments to paid on time immediately. Thanks so much for your prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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 have sent numerous letters to your office about my identity theft situation, but my concerns remain unresolved. I am once again disputing the fraudulent information negatively impacting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. 

Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. 

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 2024-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have submitted multiple Disputes regarding charges resulted from Identity Theft. Duty To Conduct Reasonable Investigation of Dispute For disputes I filed directly with American Express, Regulation V requires furnishers to conduct a reasonable investigation with respect to the disputed information and review all relevant information provided by the consumer with the dispute notice. American Express violated these provisions when American Express failed to investigate disputes submitted by myself. American Express responded by Mailing a Generic Letter from the XXXX XXXX XXXX XXXX ( Attached ) Dispute Reference Number : XXXX Dispute Reference Letter stated " the information we received from you dos not contain sufficient information for us to conduct a reasonable review of your claim. We have been unable to contact you. 
Therefore, we are closing your fraud claim until we receive sufficient information. '' 1st : the information we received from you dos not contain sufficient information for us to conduct a reasonable review of your claim. This is a lie. American Express received the following : 1-Official Dispute Letter with My Name, Birth Date, SSN, Copy of ID, Letter from DOJ-BOP, Copy of the FTC Identity Theft Report XXXX American Express received all information required per CFPB : ( d ) Direct dispute notice contents. A dispute notice must include : ( 1 ) Sufficient information to identify the account or other relationship that is in dispute, such as an account number and the name, address, and telephone number of the consumer, if applicable ; ( 2 ) The specific information that the consumer is disputing and an explanation of the basis for the dispute; and ( 3 ) All supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation XXXXay include, for example : a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information ; a police report ; a fraud or identity theft affidavit ; a court order ; or account statements. 2nd : American Express Stated : We have been unable to contact you. that is another lie, because they sent that letter to inform me that they were not able to contact me, well, me receiving the letter and calling them back is an evidence that they are able to contact me. 3rd : I Called American Express XXXX XXXX XXXX XXXX 4 times and provided them with the reference Number [ Dispute Reference Number : XXXX ], the agent told me that they don't know what that number is! I recorded the phone call and can transcribe it. 4th : American Express Stated " Therefore, we are closing your fraud claim until we receive sufficient information. '' That is an intentional violation by American Express of FCRA, and shows gross negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: CA

Complaint narrative:
I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for.The consumer reporting agencies assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that I have included screenshot inside this complaint in on the date of XX/XX/year>. 
Please investigate and provide proof with statements showing that this payment was late.If proof cant be provided I demand this payment be updated to paid as agreed on time as that should be due to the fact I was never late .Thank you.Please see screenshots attached.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-20 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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-06-20 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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I purchased several Amex Gift Cards worth {$1000.00} each. They were kept in my security box at the bank. After some time ( because I had multiple Amex gift cards ) when I went to use this one in particular - there was only {$1.00} on the card. I called the phone number listed on the back of the card and filed a complaint with them in XXXXXXXX XXXX They gave me a Case # XXXX. They told me to call back in two weeks every time that I called them. They also confirmed that I would receive a replacement card with a balance of {$990.00}. For months, I have been calling them, to no avail. I asked them for their fraud department and they wouldn't help at all with that. They would send me to a " supervisor ''. Again, with no help. They asked me to e-mail something that showed my address because they said that two cards had already been mailed to me, but I never received a replacement card. I wrote to my state representative, my state 's attorney general 's office, my state 's senator. I heard back fairly quickly from the state 's attorney general 's office, which included your site to contact for help. The last time I called the number on the back of the gift card, I was again connected to a " supervisor '' who hung up on me. This is an American Express gift card and I spent a lot of money purchasing these cards. I did check the balance on the remaining cards that I have and the balance is correct for now. I hope it is correct when I go to use them. I want the balance that is due to me which is {$990.00}. I hope you can help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-20 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: KS

Complaint narrative:
I have been disputing information on my credit report for a few months and I have not gotten any response about my disputes. Inaccurate information is being reported on my report that is hurting my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: GA

Complaint narrative:
We were unaware of the selling of US Auto Sales to Westlake Portfolio. They have us pay 3 times the value of the car and won't honor previous contract agreement from US Auto Sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: WA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C.1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified. I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards for every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete 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 2024-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Upon student loan. I was by the time a first time student at the college and was not aware at all that this money accepted by me was a student loan, instead thought mistakenly it was a FAFSA grant request needed to be accepted by my college portal. I would appreciate it if this issue can please get resolved as also I was never given this money also. Please and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: PA

Complaint narrative:
Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am victim of identity theft! Please remove these accounts as soon as possible! 

Greetings, my name XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.

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 2024-06-20 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: NY

Complaint narrative:
My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 me 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Paid off Debt in Full was advised that Credit Report will be updated and now they are stating since I didnt pay for the membership fee that they will not update. Debt is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: MS

Complaint narrative:
Is in violation pursuant to section 623 of the FCRA, if the investigation is not complete within 30 days XXXX XXXX XXXXXXXX

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 2024-06-19 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: MS

Complaint narrative:
Is in violation pursuant to section 623 of the FCRA, if the investigation is not complete within 30 days XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My mortgage is in my ex-husbands name. I am listed as a co-borrower. I am the sole owner of the home as I was awarded this in my divorce. I have made all payments for the last 3 years on time. My ex-husband filed for bankruptcy a year ago. He excluded my home/his mortgage in his bankruptcy. His bankruptcy was XXXX in XXXX of XXXX  and had absolutely XXXX effect on the mortgage. During his XXXX, Freedom Mortgage put us in their XXXX department, and stopped our online payment option which they said would just be the case until they got notification from the attorney that his XXXX was in fact XXXX. At that point, they would re-instate our loans online payment option and access, take it out of the bankruptcy division, and then process our current application to allow me ( the homeowner ) to assume the loan into my name only. We have submitted this documentation to them on several occasions because they kept denying that they received it. We in fact paid my ex-husbands XXXX Attorney to send it over as well, and we have the emails to prove it. We have made several calls, attempted to talk to supervisors and when we finally got them to admit they had received the paperwork, they still said we would get our online access back in a " couple weeks ''. The last call, while speaking with a supervisor, we were told that we would never get our online payment option back and our account would remain in the XXXX division ... even though it was never included in the XXXX XXXX of almost a year ago. They also advised my ex-husband that our paperwork for the Loan Assumption would not ever be processed. This is not right and this loan company has acted in bad faith.

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 2024-06-19 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: MS

Complaint narrative:
Is in violation pursuant to section 623 of the FCRA, if the investigation is not complete within 30 days XXXX XXXX Account number 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