vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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:
PLEASE BLOCKED AND REMOVED I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are 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 2024-06-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/year>. 
XXXX XXXX XXXX XXXX Attention : XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Subject : Charge Off Paid Account Deletion Request Dear Sirs of XXXX XXXX I am writing to you regarding account number [ XXXX ] that was recorded as " charge off '' on my credit report. This letter is a formal request to have this negative record removed from my credit report as the account has been paid in full. 
I understand the importance of maintaining an accurate credit history and have worked diligently to pay off all of my debts. I paid the bill in full and have since taken significant steps to ensure I maintain good credit. 
I recognize my responsibility in this matter and am grateful for the opportunity to have been able to resolve the debt. However, the continuation of the " charge off '' on my credit report is significantly affecting my ability to access new credit opportunities and improve my financial situation. 
I am kindly requesting that, as an act of good faith, and in consideration of my effort to rectify my financial situation, you remove this charge off account from my credit reports with the three major credit bureaus ( XXXX, XXXX and TransUnion ). 
Attached to this letter, I include proof of payment of the account in full. I appreciate your consideration and am willing to provide any additional information you may need to process this request. 
I thank you in advance for your attention and understanding in this matter. I await a positive response and look forward to your confirmation of the removal of the account from my credit reports. 
Sincerely, [ XXXX XXXX XXXX ] Attachments : - Proof of payment :

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 2024-06-29 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-29 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-29 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-06-29 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: MO

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: FL

Complaint narrative:
There was a processing delay. I made the payment on time however the delay in processing caused my account to fall delinquent. I spoke with the creditor and they facilitated a reversal of the delinquent status and late payment, putting my account current again. 

See attached email receipt of the reversal

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 2024-06-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I contacted this company to find out why they added a collection to my credit report because I have never worked with them or even heard of them. They claimed that it was a collection from a previous apartment but they have not sent me ANY information regarding this debt. I even told them that they did not send me anything and the man on the phone verified that they sent it to apartment address who is claiming the debt. Before moving, I updated my address on XXXX to my new address so that any accounts would be notified. They are able to find this information yet they purposefully did not send any communications to me. I have reached out to pay whatever amount they are claiming just to be done with the issue since it is not a large amount but now they are refusing to respond to email communications and phone calls to settle this issue. I have no knowledge of this debt and I do wish to dispute it as I stated in the email. I would have disputed it previously if they had notified me properly! I have opened cases with each of the credit bureaus regarding the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-29 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-29 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A - states I have a 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 with my written instructions 15 U.S.C 166b - A creditor may not treat a payment on a credit card account Under an open and consumer credit plan as late for any reason

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 2024-06-29 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX & XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A - states I have a 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 with my written instructions 15 U.S.C 166b - A creditor may not treat a payment on a credit card account Under an open and consumer credit plan as late for any reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I disagree with the accounts listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXXXXXX XXXX XXXX # XXXX ). ( XXXX XXXXXXXX, XXXX # XXXX ). ( XXXX XXXX XXXX XXXX # XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Re-investigate complaint XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, my wife and I scheduled two payments with Conn 's Home Plus to pay-off the remaining balance of an appliance that we financed to avoid interest fees. Up until this point, we used our shared checking account to make regular monthly payments. However, on XX/XX/XXXX we scheduled two payments using our personal credit cards as to avoid spending {$1500.00} in cash. My wife scheduled her payment for XX/XX/XXXX in the amount of {$770.00} using her personal credit card. I scheduled a payment for XX/XX/XXXX in the amount {$770.00} on my personal credit card. However, Conn 's charged two payments for the amount of {$770.00} each to our shared checking account. When we called customer service to explain to them that they had charged the payments to the wrong accounts, we were told that since we had made the payments online we would have had to authorized those payments to our shared checking account. We explained to them that what had prompted our call on XX/XX/XXXX was the fact that on XX/XX/XXXX Conn 's had charged {$770.00} to our shared checking account and there was a pending charge in the amount of {$770.00} on my wife 's credit card. There was also pending transaction on our shared checking account for {$770.00} on XX/XX/XXXX. Further, on XX/XX/XXXX there was a charge to my personal credit card for the amount of {$770.00}. In effect, we have been charged an additional {$770.00} that would have been an additional {$1500.00} had my wife not be able to stop the payment on her credit card. Conn 's actions have caused me financial injury beyond the additional {$770.00} that they are currently holding. We are being told that we must wait for a refund request to be reviewed and approved, and if approved that they will mail a check somewhere between 5-10 business days. They are basically holding our money in escrow without permission and depriving use of our ability to use those funds without paying interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

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 2024-06-29 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: MI

Complaint narrative:
Kindly remove these inquiries. I have no understanding of this, and the company carried out this action without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: CA

Complaint narrative:
~ XX/XX/XXXX I noticed an unknown account posted as collections onto my credit report for ~ $ XXXX ( Rounding, as this debt collector continues to change these amounts ) and I filed a dispute letting all 3 credit bureaus know that this account is not mine and I have no agreement/relationship with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX later learning this company has been dissolved since XX/XX/XXXX ) ~ XX/XX/XXXX, I received a response from XXXX stating " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I then asked for further investigation and received the same response, " Reinvestigation Info. This item remained unchanged from our processing of your dispute in XXXX XXXX. '' Transunion stated " Dispute resolved '' No changes made. 


XXXX XXXX XXXX XXXX XXXXXXXX has viciously reported balance increases every month at different amounts to different credit bureaus with added remarks and repeated illegal false reporting, further violating my rights and impacting my credit. 

~ XX/XX/XXXX To date, I am continuously denied loans & housing due to their false reporting. Discrepancies on these accounts that aren't mine show as follows : - XXXX " XXXX XXXX XXXX '' [ spelling shown is exactly what presents on report ] " original creditor '' " {$10000.00} '' " open balance '' " opened XX/XX/XXXX '' increased balances over past year - Experian Account Name XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$10000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$10000.00} Balance Updated XX/XX/XXXX Original Balance {$9000.00} Terms 1 Months On Record Until XX/XX/XXXX Credit Bureaus have not done their due diligence. Over the past year and a half this company has not only harassed me repeatedly, they have also severely impacted my credit and my ability to seek loans & housing for me and my child with their false reporting. Not only is XXXX XXXX XXXX and XXXX XXXX XXXX dissolved/inactive companies, they are also false reporting and using deceptive tactics under " XXXX XXXX XXXX '' while still DBA " XXXX XXXX XXXX '' I have no agreement, contract, nor any relationship with either of their companies. They can not be an original creditor when they haven't been an active company since XXXX. Because it is illegal to report false and inaccurate information, this should be removed from my report 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 2024-06-29 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: OH

Complaint narrative:
I am disputing the inaccurate reporting of late or missed payments for the following accounts, which should be listed as PAYS or PAID AS AGREED : XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : I was never late on this account in XX/XX/XXXX. Please update the account as Paid/Current. 
XXXX ( Account Number : XXXX ) : I was never late on this account in XX/XX/XXXX or XX/XX/XXXX. Please update the account as Paid/Current. 
Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account as late unless reasonable procedures ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date.

Additionally, furnishing inaccurate information on my consumer report violates 15 USC 1681b. The credit reporting agency 's failure to ensure accuracy has caused me severe stress and anxiety due to these abusive and unfair practices.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am disputing the inaccurate reporting of late or missed payments for the following accounts, which should be listed as PAYS or PAID AS AGREED : XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : I was never late on this account in XX/XX/XXXX. Please update the account as Paid/Current. 
XXXX ( Account Number : XXXX ) : I was never late on this account in XX/XX/XXXX or XX/XX/XXXX. Please update the account as Paid/Current. 
Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account as late unless reasonable procedures ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date.

Additionally, furnishing inaccurate information on my consumer report violates 15 USC 1681b. The credit reporting agency 's failure to ensure accuracy has caused me severe stress and anxiety due to these abusive and unfair practices.

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 2024-06-29 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: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2024-06-29 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:
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 non-monetary relief