vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: GA

Complaint narrative:
15 is code 6802 obligations with respect to disclosure of personal informations I need all inquiries get removed!

And 15 usc code 6805 Enforcement ( A ) To remove the inquirys And putting my score to XXXX if you find any charge offs they are certificates of indebtedness which means its converted into money and you can not put onto credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: GA

Complaint narrative:
15 is code 6802 obligations with respect to disclosure of personal informations I need all inquiries get removed!

And 15 usc code 6805 Enforcement ( A ) To remove the inquirys And putting my score to XXXX if you find any charge offs they are certificates of indebtedness which means its converted into money and you can not put onto 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 2024-06-01 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am writing to dispute a debt that has been reported on my credit report. According to 15 U.S.C. 1692g ( Validation of Debts ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a validation of the debt. I have no recollection of this debt and was not provided an opportunity to dispute it as required by law.

If the creditor or collection agency believes they have given me proper notification of this debt, I request that they provide proof of this notification. Specifically, I am asking for the certified mail receipt with my signature that verifies I received such notification. Without this documentation, the debt should be considered unverified and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating 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 non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating 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 2024-06-01 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: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-01 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-01 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: TX

Complaint narrative:
XXXX XXXX XXXX This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts XXXXXXXX XXXX XXXX  Account # XXXX Account # XXXX Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by 05/06/24 You received my complaint on XX/XX/XXXXXXXX XXXX XXXX XXXX is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX TransUnion XXXX TransUnion, XXXX XXXX and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, NJ XXXX XX/XX/XXXX S.S # XXXX XX/XX/XXXX To whom this may concern : It my great pleasure I want to inform you that You violated my right as a consumer! Please be advised that banking system is dependent on fair an accurate reporting Only! When you report inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances. Please be advised that YOU have assumed a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I reserve the right to privacy you shall not report ant transactions or experience between myself and the person making the report at all. The only way communication amongst other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. You're reporting information on without no proof or investigation prior to these items being reported on my credit report. In addition, please reinvestigate the following items : 15 U.S.C 1681a ( 2 ) ( i ) -Definition ; Rules of Construction Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number # XXXX Please re- investigate the accounts and remove them from my consumer report. There are multiple violations under the Fair Credit Reporting act .... I have attached the letter with the account names and account numbers with each violation, which enclosed my DL to identify myself. *** IN ADDITIONAL, I DO NOT CONSENT TO E-OSCAR VERIFICATION*** Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Tried several times to make payments was on time and had funds available and it said payment was rejected or funds weren't available when it was. 

I was forced into losing best buy credit card and my premier credit card because they wouldn't let me use them or withdraw cash from debit cards or make payment with my funds. They didn't make payment for me either. 

They are committing illegal debt collection under the table of personal property including jewelry etc. and not giving me proper credit. This was under investigation but I was forced into being homeless and was not allowed to receive correspondence regarding case with federal trade commission. 

They admitted in a personal conversation that they owe me all of my debt to be paid off by them because they were being charged for what I have

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 2024-06-01 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: CA

Complaint narrative:
There is a fraudulent account on my credit file due to identity theft. XXXX XXXX XXXX reflecting a balance of {$10000.00}. I have NEVER LIVED AT THE ADDRESS XXXX XXXX XXXX XXXX, CA XXXX. I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX since XX/XX/XXXX. I recently renewed a YEAR LEASE AT XXXX XXXX  XXXX. 
THIS HAS BEEN MY RESIDENCY. PLEASE REVIEW MY LEASE AGREEMENT ATTACHED. MY PURSE WAS STOLEN FROM ME IN XX/XX/XXXX containing my personal identification such as my Ca id my social security my cell phone which allowed the suspect access to my emails accounts. They fraudulently open this account REMOVE THIS COLLECTION 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 explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank has initiated a {$1.00} fee to send out a hard copy bill ... It affects XXXX of my credit cards... it can be waived if you sign up paperless billing, which i have trouble keeping up with, so I'll not pay a XXXX paper bill fee but they can charge a greater amount in late fees... 
They are gouging card users because they can't count exorbitant late fees... 
This isn't right... the card users should notbe required to make up a diminished revenue stream... XXXX has created a monopoly in the credit card business because they now control credit cards for over XXXX individual firms & seemingly think they can do what they want.. 
Thanks...

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 2024-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WA

Complaint narrative:
My loan was placed in forbearance while the status is in IDR admin processing for the XXXX plan with payments to begin XX/XX/XXXX. I called in XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX to request to remove the forbearance as I am in the XXXX program on studentaid.gov and need to make these payments for XXXX. When I spoke to the representative on the phone, they said I'm not in forbearance and payments are not due until next year. Essentially, they only confirmed the issue and didn't approve my request. Meanwhile, interest is still accumulating and any payments I make for the next year will not count towards my XXXX payments since they will be made outside my IDR. I am writing a complaint here as I am qualified to begin XXXX, so I don't understand why I can not begin payments as requested and NELNET is forcing a forbearance on me that is causing my interest to accumulate and impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions.

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 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One sent a response, but didnt mention the account Im complaining about and mentioned accounts not even on my current report. That correspondence is attached, along with my police report and ftc affidavits. My XXXX  XXXX complaint is also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: MO

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2024-06-01 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: AZ

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
They charged me 3 times for the month of XXXX and are typing to charge me again for the month of XXXX and XXXX. When I show them back statements and my bank confirms the payment they refuse to refund my payment. They have been no help.

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 2024-06-01 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: MD

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX & XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION. 
XXXX XXXX XXXX XXXX TRANSUNION.

BK 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 2024-06-01 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: MD

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : 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 XXXX. 
XXXX XX/XX/XXXX EQUIFAX. 
XXXX XX/XX/XXXX EQUIFAX. 
XXXX XX/XX/XXXX EQUIFAX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. 
XXXX XXXX XX/XX/XXXX EQUIFAX. 
XXXX XX/XX/XXXX EQUIFAX.

Company response to consumer: Closed with explanation