vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 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:
I need to highlight the outrageous inclusion of accounts falsely labeled as late payments on my credit report. Despite my unwavering track record of making responsible and punctual payments as a devoted customer, these accounts are unjustly depicted as delinquent. This distortion is intolerable and requires swift correction.

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 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported.

Please see this account is removed from my file at once. 
Bankruptcy XXXX XXXXXXXXdismissed Reference number : XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
If you continue to report this information without truly verifying the information I will be seeking a legal remedy.

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 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted 2 dispute2 with TransUnion. The first dispute regards an account with XXXX XXXX XXXX. That account was closed in XX/XX/XXXX. Given the fact that accounts can only remain on a credit report of 7 years after the date they are closed, I indicated that the account should no longer be reported. 

The second dispute regards an account with XXXX. The account information states that the estimated month and year that this item will be removed is XX/XX/XXXX. It's important to note that TransUnion selected that estimated date of removal. 18 months have elapsed since that date. 

On XX/XX/XXXX, TransUnion informed me that they had reviewed both complaints and that both accounts would remain on my credit report. They gave no explanation or justification for their decision.

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 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Today I called American Express to inform them that I am unable to pay the minimum amount due based on the warning I noticed on American Express account and suggestion to take financial relief help. However, the person who attended the call got all the information about my unfortunate circumstances and denied an opportunity to pay the debt over time with a lower interest rate and manageable monthly payment. 

I requested them to allow me to pay after XXXX of every month, they denied the ability to do so. They also asked for an immediate payment ( first payment ) if I agree to the plan. 

I already informed them about this last week when the person on chat didn't suggest me to apply for financial relief or offer a plan for the same. 

Later in the day I got a email with monthly payment of XXXX instead of the current amount that is around {$770.00} that I am unable to meet. I am attaching emails from both previous month and this month. This is like trying to push me into further distress without acknowledging the fact that I am already in distress. 

This case is related to federal case XXXX California civil case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
These account were never given my permissible purpose to furnish these accounts furthermore they infringed upon my rights to privacy in pursuant to 15 USC 1681 ( 4 ) these corporations have caused damage to me mentally and financially. In pursuant to 15 USC 1681a ( 2 ) ( I ) any transaction or experience should excluded from my consumer report.On my XXXX report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND INQUIRIES XXXX XXXX XXXX AND XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has also violated the billing error practice act in pursuant to 15 USC1666 they never gave me the right to opt out and are not reporting accurately I want these late payments as well as the inquires and collection accounts deleted as they are identity thief

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: NJ

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello-I would to submit a formal complaint with TransUnion, the consumer credit reporting agency. Due to recent identity theft, I have an account with TransUnion and my credit report was on 'freeze ' with them. I came to learn that someone ( fraudster ) hacked into my account and lifted my credit freeze on two occasions ; XX/XX/2023 and XX/XX/2023. According to TransUnion, a person logged into my online account and lifted the credit freeze ( twice ) but that was the only information they provided me. I don't understand how someone can just hack into an online account without TransUnion password nor my e-mail password. ( When you log into TransUnion, there is a 2 step verification/ authentication where a XXXX  digit numeric code is sent to your e-mail from TransUnion , but I didn't receive these codes on both occasions ; XX/XX/2023 and XX/XX/2023. ) I'm think this can be an inside job? I still want answers around who hacked into my account and how they can prevent this going forward. When you call in, the TransUnion representatives always asks me and other consumers their Social Security No. 's ( full XXXX digits ) and other personal information when you try to resolve issues with them. This is a big concern as I have experienced a security breach and the fraudster tried to open numerous credit cards ( XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX ) during this time period. 

I had a very similar experience with XXXX, where they told me that someone ( fraudster ) called in and lifted my 'credit freeze '. How can this be possibly done? XXXX did provide me with a confirmation no. XXXX. 

This is a serious matter. The companies and letting fraudsters unfreeze credit reports. I am not sleeping well, and restless thinking that someone can hack into my account anytime and unfreeze my credit report. Please help me, thank 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 non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One charged me late fee and interest fee even though I tried to make the payment. This is because of their system restriction with the autopay, which prohibited me from making manual payments. 

I had a payment due on XX/XX/17. It was paid on autopay on XX/XX/17. I realized that same day that the payment was not going to go through in that autopay account and the payment was going to be rejected. I tried to make the payment via another bank account on the same day. However, Capital One 's system refused to allow me to make a payment on XX/XX/17, stating " you can not schedule a payment for this account ''. I made a payment as soon as I realize Capital One 's restriction lifted. However, capital one had already charged me an interest fee and a late fee despite their restriction for me to pay. I called and was unable to waive the fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-22 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: NJ

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The items LISTED below should all be removed & blocked from my credit report under 15 US Code 1681i ( 6 ) as it has been over XXXX  days and you failed to comply.

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 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Previously filed with equifax identity theft. Account number was wrong. The account number has been corrected and moving forward if the negative items continue to be furnished on my report damages will be seeked with the help of the CFPB. Attached is my FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Deposited {$97000.00} dollars to Wells Fargo bank in XXXX XXXX In are about of of XX/XX/2023 bank account was emptied. Informed bank, bank only credited me {$3600.00} dollars. And told me that was final credit to account. Informed bank that my account was still getting hacked. Bank kept denying claims an never changed my checking account number left account as is an only gave new debit card.

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 2023-12-22 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: NV

Complaint narrative:
I acknowledge the efforts made by XXXX in addressing certain fraudulent entries within my file, attributed to an alleged case of identity theft. However, unresolved issues persist in my Experian and XXXX XXXX XXXX, necessitating their prompt removal. As a victim of identity theft, I am reiterating my request for the expeditious removal of the specific inquiry and remaining inaccurate information from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). The mandated deadline for this action is within 4 business days from XX/XX/XXXX. Previously raised in my formal complaint, this matter is reiterated here and referenced in FTC Report # XXXX. Notably, the information pertaining to these items is unfamiliar to me, having been successfully removed from other bureaus. I express reservations about the accuracy of the details incorporated into my credit file. Details of the discrepancies are outlined below for your reference : -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
We opened an account ( Spending account ) with Ally after receiving a promotional offer. The promotion specified opening an account, funding with {$1500.00} or more and the account owner would receive {$200.00} in 30 days. I've fulfilled the promotion but there has been no promotion credit. Upon contacting Ally customer support and speaking with various supervisors in the past XXXX weeks, I was told the back office would honor the promotion. Yet, there is no time frame and there has not been any credit in my account as of today. I would like Ally to honor the promotion and deposit the promised bonus in my account so we can move on. I have screenshots of the promotional code as well as the application attached to this complaint. 

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 monetary relief
Consumer complaint received 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$390.00}, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023.

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 2023-12-22 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: IL

Complaint narrative:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$390.00}, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: TX

Complaint narrative:
XX/XX/XXXX I received a 41 days past due notification on my Credit Report for an account that was paid before the 30 days late. My payments are due on the XXXX of each month. I make sure my payments are paid. My payment for XXXX was processed on XX/XX/XXXX but the payment processed with my bank before my direct deposit hit my account, so my bank returned the payment and I understand XXXX charges a {$15.00} ach return fee, XXXX retried the payment XX/XX/XXXX and the payment was made for {$94.00} ( monthly payment ) and {$15.00} ( ach return fee ) and both payments were successful. I had no knowledge of the {$15.00} Late Fee that was charged XX/XX/XXXX until XX/XX/XXXX when I got the notification and spoke with a customer service rep that verified I was 41 days late. Even though my account was current this company forwarded my account to a third-party collection agency for a {$15.00} late fee and reported to the credit bureaus that I was 41 days late even though my account was paid XX/XX/XXXX and current. When I called to resolve the issue, I paid the {$15.00} XX/XX/XXXX and I was told that I couldn't get the 41 days late payment removed from my credit report which I don't understand because my monthly payment was made before the 30 days late.

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 2023-12-22 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:
XX/XX/XXXX I received a 41 days past due notification on my Credit Report for an account that was paid before the 30 days late. My payments are due on the XXXX of each month. I make sure my payments are paid. My payment for XXXX was processed on XX/XX/XXXX but the payment processed with my bank before my direct deposit hit my account, so my bank returned the payment and I understand XXXX charges a {$15.00} ach return fee, XXXX retried the payment XX/XX/XXXX and the payment was made for {$94.00} ( monthly payment ) and {$15.00} ( ach return fee ) and both payments were successful. I had no knowledge of the {$15.00} Late Fee that was charged XX/XX/XXXX until XX/XX/XXXX when I got the notification and spoke with a customer service rep that verified I was 41 days late. Even though my account was current this company forwarded my account to a third-party collection agency for a {$15.00} late fee and reported to the credit bureaus that I was 41 days late even though my account was paid XX/XX/XXXX and current. When I called to resolve the issue, I paid the {$15.00} XX/XX/XXXX and I was told that I couldn't get the 41 days late payment removed from my credit report which I don't understand because my monthly payment was made before the 30 days late.

Company response to consumer: Closed with non-monetary relief