vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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 writing to express my deep concern and frustration regarding the ongoing inaccuracies on my credit file, despite multiple attempts to correct them. The persistence of these inaccuracies has had a detrimental impact on my financial standing, and I urgently seek your assistance in rectifying this matter. 

Despite my diligent efforts and adherence to the dispute procedures, the inaccuracies persist on my credit file. This situation is urgent, as it is adversely affecting my ability to secure credit and financial opportunities. 

I kindly request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. 
Fast-track correction of the inaccuracies on my credit file. 
Transparent communication outlining the resolution process and the steps taken to address this matter urgently. 
Attached, please find copies of the supporting documentation for your reference during the expedited investigation. 

I understand the importance of accurate credit reporting and the need for a swift resolution to prevent further damage to my financial standing. As a consumer, I rely on the integrity of my credit file, and it is crucial that these inaccuracies are promptly corrected. I am asking for your assistance to correct these late open accounts in my credit file : 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 2023-11-27 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-27 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: CT

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 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 non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
the days are too often to count. I had to set up auto debits to get loan approvals for myself. over at least a year the withdrawals woyuld cause {$29.00} overdraft fees, sometimes three or more charges a day. I asked bank of america, even went to loacal brance, to please stop withdrawals, the companies would not. The branch was no help. by the fall of XXXX, there must have been close to {$1000.00} in fees taken. but no overdraft was ever paid. 

I -on my own, - realized i could put stop payments on these ewithdrawals and i did just that, at cost of {$220.00} On my business accountXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Florida it was similar. the fee was {$10.00} but must have occurred dozens of times. then the bank closed it bc it was negative, with only their fee. 

Finally, my Bank of America card fell behind. I paid down a good amount, but the bank closed it regardless. no rewards or points and fees added to balance.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As I am looking at my consumer report. I see that Equifax has not only failed to do an accurate investigation but they have also not responded to my request of method of verification that I asked for regarding accounts : XXXX XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/2023 Current Status : Open : XXXX  XXXX XXXX late payment XXXX. XXXX XXXX  Acct # XXXX XXXX. XXXX of XXXX XXXX Acct # XXXX is reporting a XXXX, XXXX, XXXX, and ND ( No data for this period ) delinquency late payment ( XXXX ). XXXX XXXX  XXXX XXXX  Account # : XXXX status : Derogatory/Charge off XXXX XXXX  XXXX XXXX  Account # : XXXX Account status : Derogatory/Charge off. Not only did I request that but they did not warn me ahead of time that they were going to report this and I did not give them written or expressed consent to do so. They are violating my consumer rights and SO MANY levels. They are failing to accurately report information on my consumer report and everything that is inaccurate will now be listed and shown since they did not do their job. Due to the fact that these accounts were not corrected, they violate FCRA and they are in violation of the law. These violations include but are not limited to : 15 U.S. Code 1681b 15 U.S. Code 1681o 15 U.S. Code 1681i ( 5 ) ( A ) 15 U.S. Code 1681g 15 U.S. Code 1681r 15 U.S. Code 1681q I am frustrated because these accounts that should have been removed are impacting my life. Below are the damages done by not having correct information on my consumer report. Below are the damages done by not having correct information on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

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 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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to address a critical issue regarding my credit report and the persistence of a fraudulent accounts despite successful removals by other credit bureaus. It has come to my attention that your bureau continues to report a fraudulent accounts that other bureaus have already deleted from their records. This situation raises serious concerns about the effectiveness of the investigation process and adherence to industry standards. 
XXXX XXXX & 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. 
XXXX XXXX & 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. 
I have submitted dispute requests and provided documentation proving the fraudulent nature of the above-mentioned accounts. Other credit bureaus have acknowledged this evidence and promptly removed the account from their reports. However, TransUnion has yet to take similar action, and the fraudulent entry continues to tarnish my credit profile. 
This discrepancy raises questions about the thoroughness and accuracy of Transunion 's investigation process. It is perplexing that, despite clear evidence of fraud, the bureau has allowed this account to persist on my credit report. I demand an immediate and comprehensive review of this matter to rectify the inaccuracies on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Blitt and Gaines LLC have stated they are a debt collector and have attempted to collect a debt that has not been verified. Enclosed is the dispute pertained to the alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I received fraud alert on XX/XX/23 via text. At that time I responded I do not approve the transaction as it was not known or authorized. My card was placed on hold and I was unable to use it. I called Barclay on the next business day to report the charge as well as 2 others I found not authorized. I also flagged the charges online. 
When I spoke directly to the fraud department about a week later they said there was no record of reported fraud although they did see a mistake was made that I declined authorization of purchase that was posted to my account 48 hours after card was placed on hold. I went through the entire process of reporting again and was assured it would be thoroughly investigated and result provided in XXXX statement cycles. I called the fraud department two more times ( after about 2 months ) and was given no updated information and told they had 90 days to resolve it so I would have to wait. I have accrued finance charges on the purchases that totaled about {$1500.00} ( total fir 3 purchases ). It is now well past the 90 days and there is no resolution and I have reviewed zero communication from Barclay concerning the fraudulent activity.

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 2023-11-27 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: FL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2023-11-27 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: FL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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:
Gettingunauthorizedhard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of theunauthorizedinquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern and frustration regarding the ongoing inaccuracies on my credit file, despite multiple attempts to correct them. The persistence of these inaccuracies has had a detrimental impact on my financial standing, and I urgently seek your assistance in rectifying this matter. 

Despite my diligent efforts and adherence to the dispute procedures, the inaccuracies persist on my credit file. This situation is urgent, as it is adversely affecting my ability to secure credit and financial opportunities. 

I kindly request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. 
Fast-track correction of the inaccuracies on my credit file. 
Transparent communication outlining the resolution process and the steps taken to address this matter urgently. 
Attached, please find copies of the supporting documentation for your reference during the expedited investigation. 

I understand the importance of accurate credit reporting and the need for a swift resolution to prevent further damage to my financial standing. As a consumer, I rely on the integrity of my credit file, and it is crucial that these inaccuracies are promptly corrected. I am asking for your assistance to correct these late open accounts in my credit file : 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 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to you regarding a matter of utmost importance regarding my credit report. I have diligently followed the dispute process for several fraudulent accounts that have been erroneously reported on my credit report, and despite multiple escalations, I have yet to see any satisfactory resolution. 

XXXX XXXX XXXX I have contacted your bureau multiple times regarding their removal. Despite my efforts and your assurance of investigation and resolution, these accounts remain on my credit report, severely impacting my creditworthiness. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to investigate and correct inaccurate or fraudulent information within 30 days of receiving a dispute. It has been well beyond this timeframe, and the continued presence of these fraudulent accounts on my credit report is causing me significant financial distress. 

I kindly request an immediate and thorough investigation into these matters, followed by the removal of the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The following accounts are inaccurate and unverifiable. 

XXXX ) XXXX XXXXXXXX XXXX, XXXX # XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX ) XXXX XXXX XXXX, XXXX # XXXX These accounts are doing damage to my financial well-being. If these accounts can not be verified, I would like them removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope you are doing well as I write this. I'm writing to discuss a problem with my credit report, particularly the late payments that are related to my account. I recognize how crucial it is to keep a current and accurate credit history. I'm writing to ask that these late payments be updated or removed off my credit report. 

XXXXXXXX XXXX XXXX  XXXX XXXX I am NOT late on XX/XX/2023. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXXXXXX customer service representative. 

To address the issue and guarantee future payments on schedule, I have taken aggressive steps. I recognize the value of being financially responsible and the significance of having good credit. Therefore, I humbly ask that the late fees linked to my account be either eliminated or modified to appropriately reflect the present situation. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.

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 2023-11-27 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: I.C. System, Inc.
State: MO

Complaint narrative:
I filed a identity theft report in XX/XX/2023. Listed on my credit report is XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have no contracts with either of these creditors.

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 2023-11-27 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:
These items are not only incorrect but are also causing significant financial and emotional distress due to their derogatory nature. I request your prompt attention to complete a thorough investigation within the mandated thirty-day timeframe, as per my understanding of the law. The timely resolution of this matter is crucial to alleviate the distress caused by the inaccurate reporting. I appreciate your cooperation and look forward to your response. The items in question have already been removed by other credit bureaus and are detailed belowXXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

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 2023-11-27 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: Credit Karma, LLC
State: FL

Complaint narrative:
Today Sunday the XXXX I spoke with the following representatives from credit Karma XXXX, XXXX, XXXX a Supervisor, XXXX, XXXX, XXXX, XXXX, XXXX, @ phone number XXXX XXXX I sent my Drivers License, and utility bill to recover my account when they promised to correct the problem they lied over XXXX emails and they stated they were in XXXX and XXXX XXXX. I applied for a credit card got approved through a bank card to then be locked with my personal information exposed.

Company response to consumer: Closed with explanation