vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, 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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OFEDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXXXXXXDEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXXXXXX 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 2022-04-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is stating that they spoke with me about issues with the XXXX insurance and the loan. They have never had a conversation with me and I want proof of the recordings. There were never communications with me and if someone was stating to be me it is fraud and the recordings will show. XXXX XXXX XXXX XXXX is also stating and admitting the this car was paid IN FULL by The end of XXXX in XXXX This fraudulent error of keeping the negative on my credit report is causing my family to not be able to get a car or buy a house. The car was paid in full. Payments were never missed. Insurance paid and the XXXX paid the bank. I demand that XXXX XXXX XXXX XXXX Furnish proof that they spoke with me and as well ask for good faith of removing this reporting from my credit report. Why would it be reported as bad debt when the bank received everything it was suppose to receive. Payments before the accident were perfect history and then insurance and XXXX paid the rest. This is Blasphemous.

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 2022-04-01 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:
My name is XXXX XXXX, and this complaint can also be associated with case # XXXX. IF you look at that case the client clearly stated the following. 

" However, in an effort to resolve this matter, we have terminated collection efforts on the debt and requested the credit bureaus to delete our tradeline. '' I need this account updated asap and this trade removed from my file asap and an updated credit report sent out to me asap. 

Account name XXXX XXXX XXXX Account number XXXX Experian Report # 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 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I offer to pay my bill twice and I wasn't accepted each time. XX/XX/XXXX was the first go-around for either XXXX or XXXX one of the two, once I saw the payment didn't go through I got nervous so I paid the min balance to make sure that I keep up with the perfect payment history. The 2nd time I tried to pay was on XX/XX/XXXX for XXXX dollars and my payment wasn't accepted again. I gave handwritten instructions on what I wanted the company to do with my bill. I also gave notice to the company of the time of illegal activity that I finally notice that was taking place. Then I also sent a conditional acceptance letter that was an ignored completely

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Ive been a Barclays customer for several years ; this card is one that I no longer even have in my possession. 
A few months ago, when I called Barclays to get an updated card issued, they couldnt even look up my account. 
Then recently, Barclays charged me an annual fee and ended up marking me late when that fee was not paid. 
There has been no activity by me on this card. I had been travelling and did not have access to my mail. 
I had no ideal Barclays was going to put this annual fee on there. 
Upon returning I paid this fee off, but Barclays failed to remove the late payment. 
I was also not sent any notice of adverse reporting as required by law. 
I am requesting Barclays remove the XXXX late arising from this annual fee 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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, 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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1200.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$1000.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$4100.00}

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 2022-04-01 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: FL

Complaint narrative:
My name is XXXX XXXX, and this complaint can also be associated with case # XXXX. IF you look at that case the client clearly stated the following. 

" However, in an effort to resolve this matter, we have terminated collection efforts on the debt and requested the credit bureaus to delete our tradeline. '' I need this account updated asap and this trade removed from my file asap and an updated credit report sent out to me asap. 

Account name XXXX XXXX XXXX Account number XXXX XXXX Report # 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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
For about a year now, we have been disputing incorrect information that was being reported and still is to the credit bureaus, that we later found out was very negative information to have on a XXXX XXXX XXXX. That information occurred after our mortgage loan was sold and transferred to XXXX XXXX XXXX ( XXXX ). All the previous mortgage servicers reported the year of the loan as 30 year. XXXX immediate reported the loan as being a 50 year or 600 month, to it most recently being a floating term of 603 months. We did not pay much attention to this change until a mortgage refinance company after trying to apply, told us that by having that number XXXX on our loans XXXX XXXX gives our loan a very bad status. The same happened with a second mortgage refinance operation, that said that number should not be associated with our loan and it would be dangerous to move forward and not get that number corrected first. So in the many attempts to get this corrected, XXXX explained how they got to that number ( see attached ). We later were told to once more request from them the documents used to make that determination, and they replied that they used our 40 year loan mod, but then used another method to combine the Note and the Loan mod to get a 50 year number. We provided this information to our help and they then asked us to have the credit bureaus provide the documents they received that supports " the alteration of signed contracts without consent '' - they explained that the terms of a loan document can not under any circumstances be changed without writing consent.

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 2022-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
This is a fraud account this account has once been on my credit report and removed this account got open due to fraud this account should be removed due to this account being fraud I never signed anything nor had service with the company

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 2022-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vehicle Solutions Corp
State: FL

Complaint narrative:
This company has violated several practices pursuit the FDCPA ( Fair Collection Practices Act ). I am demanding a XXXX XXXX as this company is reporting negatively on my credit file. This company needs to remove this file from all reporting XXXX XXXX asap and I demand the following be sent to me asap if it is not removed. 

XXXX XXXX XXXXI demand you stop all illegal negative reporting to any and ALL consumer reporting agencies and remove from my file NOW*** ***XXXX XXXX*** ***Check for {$5000.00} for all Violations under FDCPA as of this notice and have it sent to my name and address listed above. *** ***XXXX XXXX XXXX*** ***INVOICE FOR WHEN VECHILE WAS SOLDXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I believe I was a victim of social engineering by a company called XXXX. They're a complete scam, but the company I am complaining about today is Ally Bank. Under regulation E they are responsible to issue a refund for cases of social engineering. The reason I believe this is a case of social engineering is because the hotel results were displayed by XXXX on their booking section so I had no reason to doubt it. I made a purchase on XXXX, XXXX, XXXX  for the amount of {$820.00} through my Ally Debit card. It wasn't until I called the resort to verify the voucher that I realized I've been duped. I've been trying to get my money back with the help of Ally for over 6 months but they haven't been very responsible. Their evidence for denying the dispute is that they contacted XXXX and were told that it's a valid ticket. What kind of evidence is that? I can provide a letter from the hotel confirming that the voucher is invalid. Ally Bank has to start taking legal, social, and ethical responsibility for disputes submitted to them. Currently they handle disputes with an attitude of It's your fault and we have evidence that the disputed transaction is valid. There's another blatant scam which they ignored, but for now I want to get my {$820.00} back for this case, and will submit the lesser fraud after.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these Inquaries deleted or updated. These are the items I demanding to be deleted immediately : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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