vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 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: IL

Complaint narrative:
I recently received a copy of my Most recent credit report, and I noticed some late payments and inaccurate accounts posted on my credit report. This is incorrect and not reporting 100 % accurately. Creditor : XXXX ACCOUNT NUMBER XXXX This is paid as agreed and should not be reporting negatively on my report. 
Inaccuracy : Late payments reporting 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. Creditor : XXXX ACCOUNT NUMBER XXXX has violated my rights 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 2024-04-18 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: TX

Complaint narrative:
I am formally disputing the presence of an inaccurate account on my credit report. Despite my repeated attempts to rectify this issue directly with the creditor, the erroneous account remains on my report, negatively impacting my creditworthiness and financial standing. 

I have diligently followed the proper channels to dispute this account with the creditor, providing documentation and evidence to support my claim. Despite these efforts, the account remains unresolved and continues to adversely impact my credit profile. 

I request a thorough investigation into this matter and the prompt removal of the inaccurate account from my credit report. Its presence tarnishes my creditworthiness and undermines my ability to access fair credit terms and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: LA

Complaint narrative:
THIS ACCOUNT ARE FROM IDENTITY THEFT. I DID MY POLICE REPORT WHEN I NOTICE THIS ERRONEOS INFORMATION IN MY REPORT. I NEVER LIVE IN XXXX i never open XXXXXXXX XXXX or XXXX. 

XXXX XXXX {$2200.00} XX/XX/year> Account Number : XXXX ONEMAINb {$10000.00} XX/XX/year> Account Number : XXXX address i never lived in NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the presence of an inaccurate account on my credit report. Despite my repeated attempts to rectify this issue directly with the creditor, the erroneous account remains on my report, negatively impacting my creditworthiness and financial standing. 

I have diligently followed the proper channels to dispute this account with the creditor, providing documentation and evidence to support my claim. Despite these efforts, the account remains unresolved and continues to adversely impact my credit profile. 

I request a thorough investigation into this matter and the prompt removal of the inaccurate account from my credit report. Its presence tarnishes my creditworthiness and undermines my ability to access fair credit terms and financial opportunities.

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 2024-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I was attempting to buy a house and noticed these inaccuracies on my credit report : XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/2023 to current and they still remain. 

XXXX XXXX XXXX XXXX XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved. 
. 

XXXX XXXX- No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt. 

XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/2023 to current and they still remain. 

XXXX XXXX XXXX XXXX XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved. 


XXXX XXXX ( XXXX ) - No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt.. 

LVNV FUNDING ( XXXX ) - {$2700.00} & {$1100.00} Refusal on multiple dates letter/calls to provide me with the purchase agreement from XXXX XXXX and all signed documents regarding this alleged debt in order for me properly dispute the amount ( s ) dates and alleged second card info but was ignored. 


XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/2023 to current and they still remain. 

XXXX XXXX {$1000.00} No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt. 

LVNV FUNDING ( XXXX ) - {$2700.00} & {$1100.00} Refusal on multiple dates letter/calls to provide me with the purchase agreement from XXXX XXXX and all signed documents regarding this alleged debt in order for me properly dispute the amount ( s ) dates and alleged second card info but was ignored. 

XXXX XXXX XXXX XXXX  XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
On XX/XX/2024 I sent {$4500.00} via Moneygram.com ( from XXXX, TN to Arizona ) for the down payment on a car I am helping my son purchase. This transaction was promptly cancelled by Moneygram. When I contacted them I was told there was " an issue '' and it was being investigated. I was then told I would receive a full refund ( XXXX + fee = {$4600.00} ) within ten business days. On more than one occasion agents told me the money had been refunded, another told me they tried to refund it but there was a restriction on my card ( my bank says No there is no restriction on this card and even if the debit card was cancelled the refund would still have been credited to my account ). Lastly, on XX/XX/2024 I was told my card way restricted and to contact my financial institution, which I did. There is no restriction. I don't know what else to do to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MD

Complaint narrative:
In the past I've been able to transfer money from my PNC account to an external account in whatever denomination I chose. Recently I wasn't able to do that, with a daily limit of {$2000.00}. 
I've tried to call multiple times to have this corrected and it hasn't been corrected. Recently I was told I'm not able to transfer more than this arbitrary {$2000.00} amount without a proper explanation. 
I was told to try to wire money instead of an external transfer and this too was denied. I talked to the " wire transfer '' department who said to do an external transfer ... .so this is circuitous and not at all helpful. 
This has been ongoing for several months. 
I'm losing money because PNC only pays a nominal interest rate with external accounts pay much more. 
Not only am I losing money, but PNC continues to make spread on my money as they are lending it out at a much higher rate. 
I'm concerned about this practice and believe in some ways they are stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
On XX/XX/2024 and XX/XX/2024, I made two purchases totaling {$2400.00} from XXXX using my XXXX Card offered through the Exchange Credit Program ( XXXX ). I found that on XX/XX/2024, I had been charged {$20.00} in interest on the purchases that I had made less than ten days prior. When I called to inquire as to why I had been charged this interest, I was told that I had been enrolled in the pay-your-way program and that I was charged monthly interest at 9.99 % per month. I informed the customer service that I had never intended to sign-up for any payment option and that I would be paying-off my card balance prior to the due date and to remove me from the payment plan that I had never wanted to enroll in. I was told that a request for reimbursement would be submitted on my behalf and that I should pay off the charges that I had incurred on my purchase. On XX/XX/2024, I paid off my purchase balance in full, prior to the due date of XX/XX/2024. Upon receiving my statement for XXXX, I found that the interest charge of {$20.00} had not been removed from my card, and that I had been charged another {$19.00} for interest on the unpaid {$20.00}. I called customer service again to have the interest charges removed, as my balance had been paid in full. Customer service agreed to remove the {$19.00} that I had been charged, but refused to remove the {$20.00} from my account. The reason that they provided was that I paid after the due date, which was untrue ; my payment in full was made on XX/XX/2024, and the due date was XX/XX/2024. I was told by customer service that I would have to send a written email to XXXX to request a review of my situation and to have the interest charges waived. I sent my email on XX/XX/2024 to the XXXX XXXX XXXX XXXX at XXXX and expressed my dissatisfaction with the charges that had been applied to my account, that I had never knowingly signed up for any pay-your-way payment plan, and requesting that the fraudulent interest charges of {$20.00} be removed from my account. On XX/XX/2024 I paid the {$20.00} interest charges on my account to avoid being charged further interest and to avoid damage to my XXXX XXXX. On XX/XX/2024 I received an email from XXXX XXXX at XXXX XXXX XXXX informing me that my card balance was {$0.00}. I responded with another email requesting the removal of the interest charge on XX/XX/2024. I also called the number that XXXX XXXX had provided in her email, which was the main customer service number. The customer service representatives that I spoke with informed me that I would not be able to speak with anyone from the XXXX XXXX, as they only respond to email. The customer services representatives told me that there was nothing that they could do for me.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to dispute a late payment on my credit report for COMENITYCAPITAL/XXXX XXXXXXXX. I made the payment well before the due date, but it appears there was a delay in processing it on your end. As a result, my credit report inaccurately reflects a late payment. I request that you investigate this matter and update my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: TX

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: TX

Complaint narrative:
I am filing this complaint personally. After reviewing my credit record, I found late payments present. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: TX

Complaint narrative:
I am filing this complaint personally. After reviewing my credit record, I found late payments present. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter.

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 2024-04-18 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: IL

Complaint narrative:
I recently received a copy of my Most recent credit report, and I noticed some late payments and inaccurate accounts posted on my credit report. This is incorrect and not reporting 100 % accurately. Creditor : XXXX ACCOUNT NUMBER XXXX This is paid as agreed and should not be reporting negatively on my report. 
Inaccuracy : Late payments reporting 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. Creditor : XXXX ACCOUNT NUMBER XXXX has violated my rights 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 2024-04-18 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: CA

Complaint narrative:
I submitted dispute letters to credit bureau requesting proof of account. Bureau did not provide original contract. Bureau responded with account being verified, which 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
Consumer complaint received 2024-04-18 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-04-18 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-04-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Arena Investors, LP
State: CA

Complaint narrative:
I ended my lease early which I have proof which the company send me paper work which I'm no longer responsible but now I have this collection company coming after me I spoke to them back in the XXXX and inform them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

Company response to consumer: Closed with non-monetary relief