vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX  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 of 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 2024-04-19 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 am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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 am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: MI

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

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 2024-04-19 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: MI

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

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 2024-04-19 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I submitted an application to the California Mortgage Relief Program on XX/XX/XXXX for mortgage payment assistance. 

I spoke with a XXXX agent today, XX/XX/XXXX, and she said they have been waiting weeks for information from my mortgage servicer Select Portfolio Servicing ( SPS ) to complete the application. 

They are ready to pay the mortgage. SPS is ignoring their result and holding up the payment process. 

I sent a certified letter to SPS right after submitting the application. 
SPS is fully aware that I applied for mortgage assistance and had an excellent chance to be approved. 

Instead of responding to California Mortgage Relief 's request they filed to put my house for sale dated XX/XX/XXXX with a sale date of XX/XX/XXXX. 

I have received so many notices, calls and texts as a result of the SPS filing that is basically harassment from lenders, and real agents. 

Thank you for help with getting SPS to follow through with completing the process and saving my home from foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint againts Citigroup Inc. ( Citibank N.A ). I applied to a XXXX Citi Bank credit card for a balance transfer. I transfered an amount of {$2700.00} from a XXXX XXXX XXXX account ending on XXXX. After noticing that my XXXX account balance didn't go down to {$0.00}. I contacted XXXX on XX/XX/XXXX and they adviced me there was no request for any balance transfer. I called Citibank on XX/XX/XXXX right after XXXX. They told me the transaction had been completed. I told them my other balance never went down to zero. After speaking to multiple representatives. They told me that the card I tried to transfer doesn't match to the card they wired money to. Multiple representatives told me they transfer money to a card ending on XXXX, when my credit card ends on XXXX. My transaction initiated on XX/XX/XXXX and was completed on XX/XX/XXXX but my balance appear online after XX/XX/XXXX. They simply said " Yes it might take some time '' which is outrageous since my request started on XXXX and was supposed to be completed mid XXXX, they basically made me aware of my balance after XXXX. They told me the money they transfer money to also belongs to another XXXX XXXX XXXX account. I've been contacting this agency multiple times on XX/XX/XXXX, XXXX, and XXXX. On XX/XX/XXXX I had a representative by the name of XXXX who hung up on me after asking the status of my balance transfer dispute. Then I called again and made contact with XXXX who told me the investigation might take over 30 days. It was confirmed on previous multiple calls that the transfer was a representative error but they still haven't resolved my inquiry nor reinbursed my account back to zero balance. I also have prove about the representatives mentioning it was an error on their behalf. I talked to XXXX again on XX/XX/XXXX and he confirmed once again the transfer was made in error due to their representative. As a resolution, I want them to make my balance zero and reinburse my money for any payments I've made so far, so I can process the correct balance transfer.

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 2024-04-19 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: OneMain Finance Corporation
State: TN

Complaint narrative:
UNAUTHORIZED INQURIES THAT I DO NOT RECOGNIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I was using a Capital XXXX  Card ( https : XXXX ) to book a hotel in XXXX through the travel agency XXXX XXXX XXXX XXXX : XXXX ) via the website ( https : XXXX ). Due to a technical glitch, the card was charged ( {$1900.00} ) without generating any documentation or a confirmation number after producing website error message. XXXX XXXX can not locate a hotel booking confirmation number associated with the charge. The hotel can not find my reservation under the card number since there is no confirmation number. Essentially, the card was charged without any corresponding product or service being provided. I attempted to dispute the charge with Capital XXXX while it was still pending, but the company refused to cancel it. Currently, the card is charged without any product or documentation of the purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-19 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: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-04-19 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: OH

Complaint narrative:
I hope this letter finds you well. I am writing to you with regards to the recent credit inquiries listed on my credit report. After reviewing my credit report, I have noticed that there are some inquiries that I did not authorize nor recognize. I am formally requesting the removal of the following inquiries from my credit report : Inquiry from XXXX dated XX/XX/2023 Inquiry from XXXX dated XX/XX/2023 Inquiry from XXXX XXXX dated XX/XX/2023 These inquiries do not reflect any credit applications or actions that I have taken, and therefore, they are incorrect and unjustified. I have not authorized any institutions listed above to access my credit information during the mentioned dates. 

I understand the importance of accurate credit reporting and the impact it has on my financial well-being. These erroneous inquiries could potentially harm my XXXX XXXX and affect my ability to obtain credit in the future. Thus, I kindly request that you promptly investigate these inquiries and remove them from my credit report. 

Enclosed with this letter are copies of my credit report highlighting the aforementioned inquiries for your reference. Additionally, I have included copies of my identification documents to verify my identity and facilitate the investigation process. 

I appreciate your prompt attention to this matter and request that you inform me of the outcome of your investigation once it is completed. Please provide me with written confirmation once the unauthorized inquiries have been removed from my credit report. 

Thank you for your cooperation and understanding in resolving this matter promptly. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information.

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 2024-04-19 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: KY

Complaint narrative:
TransUnion Date XX/XX/XXXX, I am writing to bring to your attention a critical issue stemming from the deletion of information from TransUnion 's records and the subsequent failure to comply with XXXX XXXX reporting standards and the Fair Credit Reporting Act ( FCRA ), particularly in relation to FCRA 15 USC 1681i ( 8 ) ( d ). 

On XX/XX/XXXX, TransUnion deleted information related to the Nebraska Department of Health for File Number XXXX. However, despite this deletion, there has been a notable lack of compliance with XXXX XXXX standards regarding the issuance of carbon copy notifications to relevant sharing relationships, including third parties and other consumer reporting agencies. 

This failure to share and send a carbon copy notification to other consumer reporting agencies, such as XXXX and XXXX, has resulted in significant consequences. I have previously disputed the presence of child support accounts with both XXXX and XXXX. Had TransUnion shared and sent a carbon copy notification to them, it is likely that these accounts would have been deleted. 

For your reference, the child support accounts are listed as follows on each consumer report : XXXX : Name of the account : NEBR CHILD SUPPORT XXXX, Account Number # XXXX XXXX : Account Name : CHILD SUPPORT NEBRASKA, Account Number : XXXX This oversight has had severe consequences, damaging my character and significantly impacting my opportunities to purchase a home, purchase a vehicle, and obtain credit. As a result, I am facing substantial challenges in various aspects of my life due to this non-compliance with regulatory standards. 

I am reaching out urgently to request clarification on the steps being taken to address this matter and ensure compliance with XXXX XXXX reporting standards and the FCRA. Additionally, I seek information on the procedures in place to rectify this situation promptly and prevent similar incidents from occurring in the future. 

Please prioritize this matter, as it has had a profound impact on my life and financial stability. Your prompt attention and resolution of this issue are greatly appreciated. 

Thank you for your immediate action and attention

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 2024-04-19 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : 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 non-monetary relief
Consumer complaint received 2024-04-19 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : 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 non-monetary relief
Consumer complaint received 2024-04-19 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 am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-19 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 was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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