vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I earnestly implore you to take immediate and decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've consistently made sure payments on this account are timely, never letting them become overdue. However, I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: NJ

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-09 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-09 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

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 2024-05-09 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: NY

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to you for the fifth time to address the unresolved issues on my credit report, specifically regarding late open accounts and a charge-off account that is inaccurately tiedup to open accounts. Despite my previous attempts to rectify these matters, the credit reporting agencies have failed to take appropriate action to correct the inaccuracies. These unresolved issues continue to have a detrimental impact on my creditworthiness and financial standing. 

I request that you intervene to ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). This includes promptly correcting the late open accounts and removing the inaccurately tied charge-off account from my credit report. Furthermore, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address these issues in a timely and satisfactory manner. With this, I am asking for your assistance to remove the charge off account and correct the late open accounts in my credit file : XXXX  XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX : {$1700.00} ; XXXX  XXXX XXXX Balance : {$710.00} - tied up charge off to open 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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 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 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 XXXXXX/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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: MA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
XX/XX/2024 Dear Sir or Madam : I am a victim of identity theft. My personal information was used to open an account at your company. I did not open or authorize the accounts, and I therefore request that it be closed immediately.

This is to address the issue surround the identity theft. There was period, when a real estate company acquired my information and somehow allowed my identity to be compromised by people in their company. Also, during this time I banked with XXXX XXXX. Needless to say, someone in their banking systems worked with this same real estate company. They were able to duplicate debit cards with the exact numbers of the one that I used daily. When discovered that my identity was stolen, not only was my money depleted but I discovered that my money had been transferred to another bank and several accounts were set up in my name. 
In order to try and resolve situation, I brought everything to XXXX XXXX attention. Once they realize the situation at hand they stop talking to me. At this point I had to get a lawyer and proceed with retrieving my money. It never was completely resolved and XXXX XXXX never did and provisional credit. Even after proceeds went forth, still never completely gave me back all my money that was stolen. 

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've consistently ensured payments on this account are timely, never letting them become overdue. However, I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

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 2024-05-09 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I assert firmly that it is unjust for me to shoulder responsibility for these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi is not applying my payments to my highest interest rate balance, resulting in an unending cycle of illegal interest charges. 
I opened a Citi Double Cash card to take advantage of a no interest balance transfer offer on XX/XX/2024. Between then and XX/XX/XXXX, I made {$4800.00} in purchases. 
Throughout that time period, I made 17 payments totaling {$5000.00}. This includes three minimum payments, which under Citi 's terms includes the total amount of interest due each cycle as well as portions that will be applied to the balance transfer and standard purchase balance. The minimum payments for this period totaled {$390.00}. 
As such, at least {$4600.00} should have been used to pay down the standard purchase balance, which has an interest rate of 23.24 percent. It should not have been used to pay down the balance transfer. 
The balance transfer of {$10000.00} was made XX/XX/XXXX and came with a {$300.00} fee on XX/XX/XXXX. 
For the statement ending XX/XX/XXXX, Citi reports that the remaining balance transfer balance is {$7900.00} and the remaining standard purchase balance is {$2700.00}. This makes it abundantly clear that the payments are not going to the highest interest rate balance. As such, interest charges will continue indefinitely. 
I called Citi on XX/XX/XXXX to have the situation addressed. I was on the phone for 90 minutes. Citi insisted that the payments were going to the standard purchases when it was clear that they were not. 
I called again on XX/XX/XXXX and was on the phone for almost the entirety of the period from XXXX XXXX. until XXXX XXXX. I was redirected to four different numbers. I was told they would transfer my payments to my standard purchases. I asked if they would send me an email confirming that they would do this and they told me I would receive an email in 24-48 hours. No email arrived. 
Subsequently, I received a letter in the mail dated XX/XX/XXXX that repeated my card 's terms concerning the application of payments, which if followed would be legal, and then said this was the reason they could not apply my payment as requested, which is illegal per the CARD Act. 
Finally, today on XX/XX/XXXX, I called to see if they would confirm how much I have made in purchases and how much I have made in payments since the card was opened. The customer service person said they could not do this. But, he confirmed that my current purchases balance is {$2400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
Subject : Complaint Regarding Ford Motor Credit Violating FCRA Rights Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Ford Motor Credit regarding multiple discrepancies in the reporting of my payment history on my credit file. These discrepancies have violated my rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 18681 e ( b ), and I seek your assistance in resolving this matter.

Over the past several months, I have filed multiple disputes with the credit bureaus regarding the inaccurate reporting of late payments on my credit file by Ford Motor Credit. Despite my efforts to rectify this issue, it persists, and I believe it is imperative for the CFPB to intervene.

Specifically, I request that Ford Motor Credit obtain a copy of my credit report and conduct a thorough review of the payment history associated with my account. I am particularly concerned about the missing payment history for the first four months of my loan and the inconsistent reporting of late payments, such as the discrepancy between XX/XX/2017 being reported as on time despite evidence suggesting otherwise. 
Furthermore, I firmly believe that the inaccurate reporting of my payment history by Ford Motor Credit has adversely affected my credit score and financial standing. As a consumer, I have the right to accurate and fair reporting of my credit information, and the ongoing discrepancies in the reporting of my account are unacceptable. 
Therefore, I respectfully request that Ford Motor Credit take immediate action to rectify these issues by deleting and removing the inaccurate account from my credit file. This action is necessary to restore the integrity of my credit report and protect my rights as a consumer.

Thank you for your attention to this matter. I trust that the CFPB will investigate this complaint thoroughly and ensure that appropriate measures are taken to address the violations of my rights by Ford Motor Credit. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: MA

Complaint narrative:
I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

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 explanation
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
I am writing to address the ongoing issue regarding fraudulent items on my credit report. Despite my previous attempts and providing substantial evidence to support my claim, the fraudulent items persist on my credit report. This continued presence not only undermines my financial credibility but also reflects negatively on the integrity of the credit reporting system. 

I request that you conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. It is imperative that accurate and fair reporting is upheld to ensure the integrity of the credit reporting system. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$2800.00} 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 2024-05-09 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: FL

Complaint narrative:
I understand FCRA 605B to require the removal of any incorrect accounts from my credit report. Can you check the documents? Some of the listed accounts have inaccuracies in terms of reporting, including inaccurate amounts and dates.

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 2024-05-09 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:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving 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 2024-05-09 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: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/year> - I sent a check through the Chime app for {$4000.00} directly to my dad XXXX XXXX. 

Dad received check via mail with my name as the Payer but with an address and account number for XXXX XXXX XXXX. Check was from XXXX XXXX XXXX. 

Dad deposited check in person at XXXX XXXX in XXXX GA. 

XX/XX/year> XXXX  XXXX XXXX returned the check as fraudulent, altered or fictitious XX/XX/year> I called Chime customer service. After several hours on the phone and escalating the matter as high as I could go before being suddenly disconnected, I was repeatedly told they show that the check had been cashed, that nothing was wrong with the check and there was nothing they could do. 

XX/XX/year> After waiting to see if the returned check would eventually be reflected in my Chime account, I went to XXXX  XXXX XXXX since the check was written from a XXXX XXXX XXXX account. They would not tell me any more information because the account number on the check was for a XXXX XXXX XXXX business account and my name is not listed on that account. 

XX/XX/year> I called Chime again and after fighting for XXXX hours finally was told they would escalate my concerns to the internal team but that there was no guarantee on a timeline. I received no confirmation email that this was done. 

XX/XX/year> the {$4000.00} for the returned check has not been returned to my account. I have not heard anything from anyone at Chime or XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief