vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 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: IN

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-09-05 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: IL

Complaint narrative:
CFPB, XXXX XXXX XXXX and Transunion I am sending you this notice to formally let you know I'm not paying you a XXXXXXXX XXXX I have exercised my rights as a consumer that has operated within the law and this collection company has notably violated so many laws that I've noted in the CFPB complaint. You have allowed them to impact my consumer report in a negative for months when I do not owe them. I have never done business with this company. They have never rendered me any services whatsoever. Instead they have fluctuated the alleged amounts owed. They've began reporting to my consumer report without properly validating the debt or allowing me my right as a consumer to dispute the debt. I've never received a Dunning letter or any letter of any sort. I have never received the purchase agreement that I've requested. I have never received the itemized bill that was requested for ALL services allegedly rendered? How is this legal? They can not show how this company came up with this balance of {$1600.00}. Then they changed the debt by a dollar to {$1600.00} to further impact my consumer report for reporting purposes, along with bouncing between two names to try to stay ahead of the consumer with their scamming ways. The company admitted to entering in the incorrect amount and modified it when they in fact should have deleted the account for inaccurate reporting. CFPB XXXX  XXXX! You should be ashamed of yourself as a government agency put in place to protect consumers, but admit yourselves you're simply involved to ensure they respond. You continue to allow frivolous reporting so that they gain off of consumers having bad debt. Transunion barely responds and XXXX spends more time soliciting their XXXX XXXX  cards. You are now dealing with a well informed consumer and someone that knows if a service was granted to them or not and who granted them the service. The gloves are off. No more nice lady as it has gotten me nowhere. So XXXX XXXX or whoever you're claiming to be today, tomorrow or whenever- you can take that collection and file it in the " we'll never receive payment for a debt not owed to us file. '' You will not collect one XXXXXXXX XXXX  from 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 non-monetary relief
Consumer complaint received 2023-09-05 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: IL

Complaint narrative:
CFPB, XXXX XXXX, Experian and XXXX I am sending you this notice to formally let you know I'm not paying you a XXXX dime! I have exercised my rights as a consumer that has operated within the law and this collection company has notably violated so many laws that I've noted in the CFPB complaint. You have allowed them to impact my consumer report in a negative for months when I do not owe them. I have never done business with this company. They have never rendered me any services whatsoever. Instead they have fluctuated the alleged amounts owed. They've began reporting to my consumer report without properly validating the debt or allowing me my right as a consumer to dispute the debt. I've never received a Dunning letter or any letter of any sort. I have never received the purchase agreement that I've requested. I have never received the itemized bill that was requested for ALL services allegedly rendered? How is this legal? They can not show how this company came up with this balance of {$1600.00}. Then they changed the debt by a dollar to {$1600.00} to further impact my consumer report for reporting purposes, along with bouncing between two names to try to stay ahead of the consumer with their scamming ways. The company admitted to entering in the incorrect amount and modified it when they in fact should have deleted the account for inaccurate reporting. CFPB XXXX XXXXXXXX! You should be ashamed of yourself as a government agency put in place to protect consumers, but admit yourselves you're simply involved to ensure they respond. You continue to allow frivolous reporting so that they gain off of consumers having bad debt. XXXX barely responds and Experian spends more time soliciting their XXXX XXXX  cards. You are now dealing with a well informed consumer and someone that knows if a service was granted to them or not and who granted them the service. The gloves are off. No more nice lady as it has gotten me nowhere. So XXXX XXXX or whoever you're claiming to be today, tomorrow or whenever- you can take that collection and file it in the " we'll never receive payment for a debt not owed to us file. '' You will not collect one XXXX dime from 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 2023-09-05 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: NY

Complaint narrative:
This was my 3rd submission of complaint through CFPB, and today this complaint was directed towards XXXX and TransUnion Credit Bureaus. As when I recently updated my 3 Credit Reports I found that the XXXX XXXX had wonderfully removed all the stated items that I requested them to remove. And today I only have some remaining issues in my XXXX and TransUnion XXXX XXXX. So, I am once more respectfully asking XXXX and TransUnion Credit Bureaus to please remove these remaining items that I listed in these complaint : XXXX : XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} TRANSUNION : XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} 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 2023-09-05 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX has been paid and closed since XXXX  but on my report, this is still showing. 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 customer service representative.

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 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I called on XX/XX/XXXXXXXX  and spoke to a XXXX XXXX Capitol One concerning my XXXX Rewards card. I explained to her that yes, my payment which was due on XX/XX/XXXX was one day late due to the fact that my SSI was not loaded on my card till the XXXX of XXXX. I had previously called before the XXXX and told them it would be one day late. They have now slapped me with an over {$19.00} interest charge, a {$28.00} late fee and a {$54.00} minimum payment. I made a {$50.00} payment on XX/XX/XXXX as soon as my money was posted. This {$50.00} more than covered my minimum payment of {$28.00}. In addition, it says my balance is STILL over the limit of {$750.00}. It did nothing to bring my balance down. Instead I get slapped with fees and what available credit I had disappeared. They are ripping people off, or in .y opinion they are me. I want this resolved, it is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My accounts were opened years ago. Then my identity was stolen when I lost my wallet one day. Bad checks were deposited by this person who stole my identity and account was over drawn. I have been receiving letters in the mail for payment for 2 of my accounts. For months I could get a car from banks and now I cant open up a checking account. I have received my XXXX XXXX report and found out about this.

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 2023-09-05 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2023-09-05 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: Nelnet, Inc.
State: CA

Complaint narrative:
My credit report is showing late payments to FM/FIRSTMARK SERVICED XXXX. 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 FIRSTMARK SERVICEDs customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I was preparing to finally move out of my others house. I pulled my credit report as well as applied to a few apartments and have been getting denied. 

I contacted PROCOLLECT Via US Postal Service First Class Mail, to try and dispute the collection. I requested any proof or documents they had. They replied with this debt is valid and updated it on all 3 credit reporting agencies. Also PROCOLLECT is inaccurately reporting XXXX balances. XXXX is reporting a balance of {$5700.00} while XXXX is reporting a balance of {$8700.00} According to the 15 U.S.C 1681 law there should not be any damages on my report as it is reflecting on my poorly and in turn is a defamation of my character

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 2023-09-05 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:
Please reinvestigate from previous Dispute.

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 2023-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST HORIZON BANK
State: AR

Complaint narrative:
I would like to formally dispute a negative credit mark that has been placed on my credit report by the institution, First Horizon, in connection with my mortgage. Also, acknowledge harassment and poor treatment. 

The issue at hand revolves around a severe lack of communication and transparency on their part regarding the maturity of my mortgage. I was shocked to discover that my mortgage had matured weeks before I received any notification from the bank. This complete lack of timely information has resulted in an unjustified credit mark on my otherwise flawless record. 

The bank failed to notify me in a timely manner about the maturity of my mortgage saying, It slipped through the cracks. I was only informed of this critical information weeks after the fact, which left me with very limited options and time to manage my financial situation and secure a refinance. This has been done, and the institution has contacted First Horizon saying a check will be sent to them immediately after closing has finished. Yet, still they call multiple times a day demanding full payment with threats of escalation. 

Despite being a responsible and punctual borrower throughout the life of my mortgage, I received no reminders, notices, or any form of communication regarding the approaching maturity date. This lack of communication is unacceptable and unprofessional. We offered to continue to make payments on the loan till the mortgage was refinanced, or make a very large payment, but this was DENIED by First Horizon.

As a direct result of First Horizons negligence, the credit report for both my wife and I now reflects a negative mark, which will have adverse consequences on our ability to secure credit and loans. This unjust credit mark has the potential to harm our financial prospects for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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 requested on 2 different occasions that the late payments reporting to my consumer report, be deleted from my consumer report, or delete the accounts all together.

15 US CODE 1681e ( b ) - The Fair Credit Reporting states that Transactions, experiences, authorizations, and approval of credit aren't included in your consumer report. 15 US CODE 1681a -Definitions- Rules of construction-paragraph 2 -- Exclusions -Paragraph ( a ) & ( I ). Exclusions- Except as provided in paragraph 3. The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer, and the person making the report. This law states that transactions are not included in your consumer 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 2023-09-05 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. ALLY FINCL XXXX has been paid and closed since 2022 but on my report, this is still showing with a balance. 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 ALLY FINCL customer service representative.

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 2023-09-05 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-05 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2023, I booked a reservation with 'HotelTicuan.com ' for a trip to XXXX, XXXX. I used my Discover credit card ( ending in XXXX ) linked to my XXXX account to make the payment. However, on XX/XX/2023, I had to cancel the reservation, but the hotel didn't respond to my cancellation request. 

To resolve this, I opened a dispute with XXXX for a refund. Regrettably, XXXX closed the case in my favor but refunded only a partial amount of {$140.00} XXXX pesos to my Discover card. The correct refund should have been {$140.00} USD, not XXXX pesos. 

Despite my efforts to rectify the issue with XXXX, they have refused to correct it. Consequently, I escalated the matter to Discover. Unfortunately, Discover also closed the case in the merchant 's favor, leaving me without a resolution. 

I provided all the necessary information for the dispute and canceled the reservation within the stipulated timeframe. This situation should have been straightforward to resolve, but I find myself caught in a frustrating predicament.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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