vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: NY

Complaint narrative:
My credit report shows a charge off from my XXXX XXXXXXXX XXXX XXXX. I had that credit card for XXXX without incident of paying late. For most of that time the card was owned by XXXX XXXX but in later years other companies purchased the business with the last on being XXXX XXXX. I have always made the payments on this card to a XXXX XXXX XXXX on my statement via a check authorized through my bill pay with XXXX XXXX XXXX XXXX 
Sometime after XXXX XXXX took over, I received a letter saying my payment had been returned. I contacted XXXX XXXX regarding this problem. We reviewed the details of the payment, account number, etc. and they told me it must be a problem due to that it was a newly acquired card and I should try again. I send another payment ( also eventually returned ) and then receive the new statement showing a late fee had been assessed. I contacted them again with the same results and then more fees. I finally told them I would pay using a different method. I sent the amounts due but not the late fees as they needed to remove them ( They returned my payments ). My understanding was this was resolved, and I closed the account due to the frustration of their customer service. Recently, when buying a car, I was informed that my credit report had a charge off from XXXX XXXX XXXX XXXX. The amount of the charge off was the fees they improperly assessed. 

I have attached several documents showing the payments made at my bank, that they were returned by XXXX and that they then charged me fees and negatively affected my credit. I must stress that several other companies took over the XXXX XXXX over the year and there never was a transition problem like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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:
This is the second part of my previous complaint which I have received a secured message from Transunion that they have made some corrections. However, I did not see anything regarding the two adverse reporting accounts that Transunion has repeatedly been reporting after numerous attempts requesting method of verification which Transunion has failed to provide. The only thing I get from Transunion is a very fast reply letter usually within 10 days saying the account is verified, along with something about using a credit repair company, or we have already investigated but they never did. Also, when I try to correct this, I immediately get blocked out of any online access, and when I try to call their XXXX # I put my SSN # in the phone just hangs up. This has been extremely aggravating. On XX/XX/year>, I sent XXXX XXXX XXXX XXXX a certified letter return receipt requesting information regarding these accounts and XXXX XXXX XXXX XXXX did not respond at all. At the same time, I sent Transunion a certified/return receipt letter regarding these accounts. This has prevented so much in my peace of mind, financial opportunities, cost, time, energy, etc. etc. etc...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: VA

Complaint narrative:
Delete this account for inaccuracy because the last paid date for 2019 reported is incorrectly on XXXX, Equifax and XXXX. In addition, number of late payments and status of account on XXXX do NOT match with Equifax, and XXXX. 

Account name XXXXXXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: NY

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
My Identity was used to create account number XXXX without my authorization I have XXXX and FTC Identity Theft report on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have over the years try to have these inquiries removed off my credit report child support XXXX XXXX and other hard inquiries that they have not removed against my moral rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: NC

Complaint narrative:
I am writing to formally lodge a complaint against Equifax regarding their failure to initiate the dispute process for an issue I raised with them. On XX/XX/2024, I sent a certified dispute letter to Equifax at the following address : XXXX XXXX XXXX, XXXX, GA XXXX. 
According to the tracking information provided by the postal service, the letter was successfully delivered to the specified po box . Despite this confirmation, Equifax has not acknowledged receipt of my dispute letter nor have they initiated the dispute process as requested. The Tracking number is XXXX Enclosed with this letter, please find : 1. A copy of the dispute packet I sent to Equifax.

2. The tracking information confirming the delivery of my letter.

This lack of response from Equifax is causing significant frustration and potential harm to my financial standing, as the disputed information remains unresolved on my credit report. I request your assistance in ensuring that Equifax promptly addresses my dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am an XXXX. 
Placed {$10000.00} into a savings account for a minor 6 months from his XXXX XXXX. Normal savings account, XXXX interest, fine for 6 months, then give client his money, no fee to me. Accout in name of me and his grandmother. 

Go to close account couple days after his XXXX XXXX, Bank returns what we gave it plus a few cents. 
I ask, where's the interest? Didn't expect much, {$50.00} or so. 
Bank gave me XXXX cents. Told them that was not right, did the math on phone in front of them, showed to tellers. Manager got involved, she got on computer, made phone calls to a higher up, refused to do anything. Client wanted his money, so we took it. 
I kept the XXXX cents. 
There is obviously something wrong the way this was handled by the bank. Clearly there should have been an interest payment of more than XXXX cents on {$10000.00} for about 6 months. 
If the interest is XXXX, as on the document, the interest should have been plus or minus {$50.00}. If they are now saying or going to say the interest is XXXX XXXX, I was deceived when the account was opened, and I never would have done it. 

There is an arbitration clause in the documents. The cost of beginning a small claims court proceeding or requesting aritration exceeds the monies not paid and kept by the bank. It is therefore easy for a bank to take money from consumers who are thereafter not able to do much about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: GA

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: GA

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 if 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 non-monetary relief
Consumer complaint received 2024-05-22 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: NV

Complaint narrative:
On XX/XX/2024, I contacted XXXX XXXX to report numerous fraud charges on my account I requested the ability to upload supporting documents and was not granted access to it. I had to call back repeatedly, and the situation has not been remedied. This has adversely affected my Credit Score as a result.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/year>, I contacted XXXX XXXX to report numerous fraud charges on my account I requested the ability to upload supporting documents and was not granted access to it. I had to call back repeatedly, and the situation has not been remedied. This has adversely affected my Credit Score as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: GA

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: NC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: CA

Complaint narrative:
I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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:
I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TX

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am closing on a mortgage, my credit lenders are reporting to the credit bureaus but the credit bureau Equifax claims that I am not on file with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments on an account that I in fact paid on time. I also requested the original signed contract and a itemized bill and I was not provided that information the consumer reporting agencies are required to report all information with complete accuracy I am now requesting you to investigate and show verifiable proof with records that show ive had late payments and if I owe this company if this information cant be verified Im demanding you to take this information off my credit report as closed thank you for your understanding and prompt actions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments on an account that I in fact paid on time. I also requested the original signed contract and a itemized bill and I was not provided that information the consumer reporting agencies are required to report all information with complete accuracy I am now requesting you to investigate and show verifiable proof with records that show ive had late payments and if I owe this company if this information cant be verified Im demanding you to take this information off my credit report as closed thank you for your understanding and prompt actions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-22 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: TX

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: NV

Complaint narrative:
I contacted Minto Money to ask for a detailed statement on XX/XX/year> since the information is not available on my online account. I have been paying bi weekly on this loan for 2 mths and the amount isnt decreasing at all. I have beem paying XXXX. XXXX and it was a XXXX loan but still owe over XXXX dollars. I was informed that they do not do statements and can not tell me how much of each payment has been applied to my loan. They gave me the email address which I emailed the company to ask for this information and have not received it. This information should be available to every customer especially since this is a financial institution their should be full transparency and I should be able to easily access this information at any time. This company is predatory and taking advantage of its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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:
This grumbling to EXPERIAN was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it.

As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect.

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