vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
To Whom It May Concern, I was recently looking at my credit score on XX/XX/2020 on XXXX I noticed there was an inaccurate report on my file and I wanted it removed from all the credit agencies as this was already handled in collections. I had paid this company XXXX off in full. I believe it was XXXX XXXX XXXX. Either way this was all taken care of back of and paid in full. They had agreed to remove this entire account from my credit report as I paid In full with the understanding that all this would go away. That was the way they explained to me. I am getting it with countless late fee 's that I shouldn't be hit with since this account is suppose to be removed from my report. I have called the company a few times and they have admitted it should be off my report. So I am unsure as to why it is still on my credit file. On XX/XX/2020 I called the # on file and they said I should report to each credit agency directly. I am hoping you guys can help me out under the fair credit act.

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have some addresses showing on my credit file that I never lived at these locations. My name is XXXX XXXX XXXX my DOB is XXXX My SS # XXXX. 
My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete remove any other address there are not mines nor are the previous addresses of mine : XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX  XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like to request a security freeze on my credit profile. At this time due to some activities that I do not recognize on my credit file as well.

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
taking more than 30 days

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have an account that was paid as agreed and in return the company would remove all the late payments due to being laid off from my job at the time but the company failed to do their part.

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 2020-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Cit-bank XXXX  Card I paid off this credit card in full. The next billing cycle I receive a statement bill interest after payment was made in full on XXXX. The interest charge was on XXXX. When I spent one hour on the phone I was told that it was interest from last month that ran from XXXX until XXXX. So right off the dates according to the phone operator XXXX and her supervisor XXXX I owed the interest. The dates I am not sure why this was not included in the total balance that I paid off here in question but also getting charged 4 days longer for this interest. I felt this interest was unfairly charged to me. I have paid the interest but I feel that I should not owe this amount. The introductory rate expired on the XXXX so I was hit with a 15.99 % daily from XXXX until XXXX. I thought paying off the entire balance before the end of the billing cycle send would not cause charges these fees nor was I notified with any truth and lending act that the rate was expired or going to change.

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
taking more than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
taking more than 30 days

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is in relationship to the recent claim XXXX. I forgot to attach pertinent files showing that XXXX  XXXX XXXX recently reported that I had two additional missed payments in XX/XX/XXXX and XX/XX/XXXX in-spite of the fact that I paid on time accordingly and I am on a hardship program with no late fees nor deadline restrictions for monthly payments as long as it is paid within the 30 day mark. I have also noticed that they have aggressively targeted me as a point of retaliation and have gone ahead an illicitly closed my account. The number of delinquencies need to be investigated and expunged from my credit report. Thus, the comment below from their XX/XX/XXXX is false. 

" We have determined with our research that there has been no error in the reporting or handling of your account. The account became past due as reflected on the enclosed monthly billing statements ; therefore, the delinquency that is reported on your credit file for XX/XX/XXXX and XX/XX/XXXX is valid. Additionally, we have confirmed the account has not been reported 60 days past due as of the date of this letter. XXXX  XXXX XXXX doesn't manage your Fair Isaac Corporation (  FICO ) score and you would need to contact the national credit reporting agencies for information regarding your score. '' Why would the bank take up so much time to report to this particular issue? Whereas, if a client misses a payment and pays within 30 days or before 60 days, their account is reported as delinquent and their credit worthiness is ruined for 7 years. They refused to honor my goodwill letter last year and have gone ahead and further damaged my credit leaving me without the ability to borrow or finding suitable employment. Now I have to remain abroad for seven years to find work. This is an unfair mistreatment.

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is in relationship to the recent claim XXXX. I forgot to attach pertinent files showing that XXXX  XXXX XXXX recently reported that I had two additional missed payments in XX/XX/XXXX and XX/XX/XXXX in-spite of the fact that I paid on time accordingly and I am on a hardship program with no late fees nor deadline restrictions for monthly payments as long as it is paid within the 30 day mark. I have also noticed that they have aggressively targeted me as a point of retaliation and have gone ahead an illicitly closed my account. The number of delinquencies need to be investigated and expunged from my credit report. Thus, the comment below from their XX/XX/XXXX is false. 

" We have determined with our research that there has been no error in the reporting or handling of your account. The account became past due as reflected on the enclosed monthly billing statements ; therefore, the delinquency that is reported on your credit file for XX/XX/XXXX and XX/XX/XXXX is valid. Additionally, we have confirmed the account has not been reported 60 days past due as of the date of this letter. XXXX  XXXX XXXX doesn't manage your Fair Isaac Corporation (  FICO ) score and you would need to contact the national credit reporting agencies for information regarding your score. '' Why would the bank take up so much time to report to this particular issue? Whereas, if a client misses a payment and pays within 30 days or before 60 days, their account is reported as delinquent and their credit worthiness is ruined for 7 years. They refused to honor my goodwill letter last year and have gone ahead and further damaged my credit leaving me without the ability to borrow or finding suitable employment. Now I have to remain abroad for seven years to find work. This is an unfair mistreatment.

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FACTUAL DATA CORP.
State: MI

Complaint narrative:
Factual Data XXXX, CO XXXX XXXX XXXX XXXX XXXX My credit was check with out my permission by this company. It put a hard inquiry on my score. What is going on here?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I was recently looking at my credit score on XX/XX/2020 on XXXX I noticed there was an inaccurate report on my file and I wanted it removed from all the credit agencies as this was already handled in collections. I had paid this company XXXX off in full. I believe it was XXXX XXXX XXXX. Either way this was all taken care of back of and paid in full. They had agreed to remove this entire account from my credit report as I paid In full with the understanding that all this would go away. That was the way they explained to me. I am getting it with countless late fee 's that I shouldn't be hit with since this account is suppose to be removed from my report. I have called the company a few times and they have admitted it should be off my report. So I am unsure as to why it is still on my credit file. On XX/XX/2020 I called the # on file and they said I should report to each credit agency directly. I am hoping you guys can help me out under the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
To Whom It May Concern, I was recently looking at my credit score on XX/XX/2020 on XXXX I noticed there was an inaccurate report on my file and I wanted it removed from all the credit agencies as this was already handled in collections. I had paid this company XXXX  off in full. I believe it was XXXX XXXX XXXX. Either way this was all taken care of back of and paid in full. They had agreed to remove this entire account from my credit report as I paid In full with the understanding that all this would go away. That was the way they explained to me. I am getting it with countless late fee 's that I shouldn't be hit with since this account is suppose to be removed from my report. I have called the company a few times and they have admitted it should be off my report. So I am unsure as to why it is still on my credit file. On XX/XX/2020 I called the # on file and they said I should report to each credit agency directly. I am hoping you guys can help me out under the fair credit act.

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have an account that was paid as agreed and in return the company would remove all the late payments due to being laid off from my job at the time but the company failed to do their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
I am trying to get my free credit report from equifax but i am not able to access it I tried to create an account on my.equifax.com but i just keep getting this : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team I called and no one even picked up. 

so then i went to XXXX and entered all of my information and it ended up giving me this : " We are not able to deliver your free Equifax Annual Credit Report online. '' i've tried accessing it a few times over the last couple years and always get these errors, it's become unacceptable to me how unnecessarily complicated equifax is compared to the other 2. 

I have a small medical debt to dispute on equifax ( it was paid off so its an error ) I did not have these problems when using XXXX or XXXX and they were able to remove the debt off their reports within a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
In preparation for potential reductions in the workforce due to the Coronavirus, I contacted the local First Virginia Loan office on XX/XX/XXXX @ ( XXXX ) XXXX to offer {$500.00} to pay out my account. Unfortunately, the Office Manager, XXXX denied my request indicating I would have to pay {$1000.00} to settle the account ; this information was passed to me from Front Desk Staff ( XXXX ). 

To add additional context, In XX/XX/XXXX, First Virginia approved me for a loan in the amount of {$1000.00}. Over the last 13 months, I have paid First Virginia {$2700.00} and the current balance is {$1100.00} which is greater than the initial loan amount. 

My objective is to settle open accounts with creditors while I have funds available. Given the amount I have paid to First Virginia Loans through XX/XX/XXXX in addition to the above mentioned balance, I would like to identify options to get out of this money trap.Otherwise, payments may cease due to bankruptcy should the Coronavirus continue to impact the economy. I have made an attempt to pay off my account within reason to no avail. 

I understand I signed the loan and ultimately responsible for the debt however, I'm starting to feel a sense of Corporate Greed. Given the downturn of the economy, What happen to Business Ethics? Lastly, I submitted a {$50.00} dollar payment on Friday XX/XX/XXXX and would you believe XXXX has called me on Friday ( After Payment was made ), Saturday, and XXXX XXXX. I am very frustrated with issue. 

First Virginia Loans Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I have a derogatory mark on my credit report from " XXXX  XXXX XXXX   XXXX by XXXX '' for an amount of {$65.00} from XX/XX/2017. I know if I went to XXXX XXXX XXXX XXXX that I would have paid the amount then and there and I do not know where this collection came from. I do not even know how to pay it off. I believe it went to a collection agency called Professional Credit Management ( Profcrdtmg ). No one notified me that I owed anything or that there was a collection.

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit card company XXXX XXXX was advised of identity theft and credit fraud. Information submitted to all credit bureaus and credit company. They still will not remove off 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 explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, 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:
The credit card company XXXX XXXX was advised of identity theft and credit fraud. Information submitted to all credit bureaus and credit company. They still will not remove off 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 explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm writing because i believe that is not my accounts, i have never applied for them. I'm not responsible for these debts. I was a victim of identity theft, somebody used my personal information and applied for these accounts.

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 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have some addresses showing on my credit file that I never lived at these locations. My name is XXXX XXXX XXXX my DOB is XXXX My SS # XXXX. 
My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete remove any other address there are not mines nor are the previous addresses of mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like to request a security freeze on my credit profile. At this time due to some activities that I do not recognize on my credit file as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have some addresses showing on my credit file that I never lived at these locations. My name is XXXX XXXX XXXX my DOB is XXXX My SS # XXXX. 
My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete remove any other address there are not mines nor are the previous addresses of mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like to request a security freeze on my credit profile. At this time due to some activities that I do not recognize on my credit file as well.

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