vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I divorced XXXX XXXX XXXX, XXXX. 
In the divorce XXXX XXXX was granted the house with the mortgage. 
I quit claimed all rights to the house to him. 
He claims he has attempted to pay the mortgage in full but the mortgage holder refuses to take the payoff. 
My credit rating continually downgrades me because we took out the mortgage in the XXXX 's. 
I have remarried over XXXX  years, and have a steller credit rating, but do to this I continually get downgraded! 
PLEASE 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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I divorced XXXX XXXX XXXX, XXXX. 
In the divorce XXXX XXXX was granted the house with the mortgage. 
I quit claimed all rights to the house to him. 
He claims he has attempted to pay the mortgage in full but the mortgage holder refuses to take the payoff. 
My credit rating continually downgrades me because we took out the mortgage in the XXXX 's. 
I have remarried over XXXX  years, and have a steller credit rating, but do to this I continually get downgraded! 
PLEASE 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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXC - 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 Unauthorized inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: GA

Complaint narrative:
Consumer Name : [ XXXX, XXXX ], Consumer Social Security Number : [ XXXX ], Consumer Date of Birth : [ XX/XX/scrub>XX/XX/XXXX ] Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 

I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS 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 2024-09-28 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: MA

Complaint narrative:
Yes, today I wake up to seeing a late payment on my card. I reached out to the company and was transferred at least 4 different times. They further kept saying that they would request to the " upper department '' to have this removed. They said they understood that I have never made a lat payment on my account and that they were sorry this happened, but then began to get hostile. They were very rude, each person was someone new, first a customer service agent, then a supervisor, then a manager, then a supervisor manager, and they all sounded the same, it almost sounded like I was getting pranked. This card company just seems fraudulent, its not the best and its a company that gives cards to people with lower to no credit, and I got it so that I could build my credit, and all I've had is problems. They explained that they mailed my statement to me, but I never received it. I told them my updated address and let them know that I did update my address and nobody seemed to care. How am I to know, if I never received the statement? In every attempt to talk, I was rudely interrupted and even yelled at. I am a young man in law school, I can not even imagine for someone who is elderly or mentally challenged how difficult these processes are.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Yes, today I wake up to seeing a late payment on my card. I reached out to the company and was transferred at least 4 different times. They further kept saying that they would request to the " upper department '' to have this removed. They said they understood that I have never made a lat payment on my account and that they were sorry this happened, but then began to get hostile. They were very rude, each person was someone new, first a customer service agent, then a supervisor, then a manager, then a supervisor manager, and they all sounded the same, it almost sounded like I was getting pranked. This card company just seems fraudulent, its not the best and its a company that gives cards to people with lower to no credit, and I got it so that I could build my credit, and all I've had is problems. They explained that they mailed my statement to me, but I never received it. I told them my updated address and let them know that I did update my address and nobody seemed to care. How am I to know, if I never received the statement? In every attempt to talk, I was rudely interrupted and even yelled at. I am a young man in law school, I can not even imagine for someone who is elderly or mentally challenged how difficult these processes are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: MA

Complaint narrative:
Yes, today I wake up to seeing a late payment on my card. I reached out to the company and was transferred at least 4 different times. They further kept saying that they would request to the " upper department '' to have this removed. They said they understood that I have never made a lat payment on my account and that they were sorry this happened, but then began to get hostile. They were very rude, each person was someone new, first a customer service agent, then a supervisor, then a manager, then a supervisor manager, and they all sounded the same, it almost sounded like I was getting pranked. This card company just seems fraudulent, its not the best and its a company that gives cards to people with lower to no credit, and I got it so that I could build my credit, and all I've had is problems. They explained that they mailed my statement to me, but I never received it. I told them my updated address and let them know that I did update my address and nobody seemed to care. How am I to know, if I never received the statement? In every attempt to talk, I was rudely interrupted and even yelled at. I am a young man in law school, I can not even imagine for someone who is elderly or mentally challenged how difficult these processes are.

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 2024-09-28 00:00:00
Product: Credit card — Store credit 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: NY

Complaint narrative:
Company : Bestbuy XXXX Citibank XXXX credit card. 

" credit life insurance fee '' I have been charged monthly for a " credit life insurance fee '' I had auto pay and never looked at the statement. as it was a small fee every month compared to the over all debt. I did not notice it. 

however, when disputing another charge today I noticed this fee and saw them on all statements. when I called Bestbuy/citibank. they said that I have been charged this since I opened the account 12 years ago. when all totaled up its roughly {$4000.00}. I asked Best Buy/citibank to cancel and dispute previous charges and they informed me to contact the insurance company directly because they can't do anything from their side. Citibank was asked to give XXXX back to customers. I did not receive anything.

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 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to address a serious issue regarding Bank Of America closure of my merchant checking account on XX/XX/year>. At the time of closure, a balance of {$36000.00} was withheld, with the assurance that the funds would be released no later than XXXX months after the closure date. 

Since the account closure, I have contacted BOFA XXXX XXXX on XXXX separate occasions, each time on a recorded line. However, despite my efforts, the customer support team has only taken notes and has refused to provide any form of case number or reference for the issue. Additionally, I have been informed that the security department, which is responsible for the release of these funds, is unreachable, making it impossible to escalate my case or contact them directly. They have setup everything " in house '' so there is no over site even when they are acting illegally. 

It has now been over XXXX month since my initial call, and I have not received a single follow-up or response regarding the status of my withheld funds. Bank of America is intentionally and illegally withholding my money. 

I would like immediate action on this matter and the release of my funds as promised.

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 monetary relief
Consumer complaint received 2024-09-28 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: NC

Complaint narrative:
Unauthorized inquiries on my report that need to be removed 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 2024-09-28 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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Unauthorized inquiries : 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 explanation
Consumer complaint received 2024-09-28 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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/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 explanation
Consumer complaint received 2024-09-28 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: FL

Complaint narrative:
Subject : Complaint Against Experian for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against Experian. 

Account Information : Creditor Name : XXXXXXXX XXXX XXXX  Account XXXX : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, Experian has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 

The violations committed by Experian include but are not limited to : Failure to conduct a proper reinvestigation following multiple disputes Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against Experian for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Your Account Information : Account Number : XXXX Client Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Financed Amount : {$690.00} First Payment Due : XXXX Payment Amount : {$94.00} Interest XXXX % Paid in Full : XXXX {$690.00} The first payment for this account was XX/XX/year>. To take advantage of the XXXX interest free offer I paid the account in full on XX/XX/year>. Instead of reporting it on my credit report as paid in full/account close, they reported it on all three reports as Charged-off. This reporting made it almost impossible to qualify for a VA home loan, because it dropped my credit score by XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: VA

Complaint narrative:
Your Account Information : Account Number : XXXX Client Name : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Amount : {$690.00} First Payment Due : XXXX Payment Amount : {$94.00} Interest XXXX % Paid in Full : XXXX {$690.00} The first payment for this account was XX/XX/year>. To take advantage of the XXXX interest free offer I paid the account in full on XX/XX/year>. Instead of reporting it on my credit report as paid in full/account close, they reported it on all three reports as Charged-off. This reporting made it almost impossible to qualify for a VA home loan, because it dropped my credit score by XXXX points.

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 2024-09-28 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: FL

Complaint narrative:
Subject : Complaint Against TransUnion for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against TransUnion. 

Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 

The violations committed by TransUnion include but are not limited to : Failure to conduct a proper reinvestigation following multiple disputes Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against TransUnion for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.

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