vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: AZ

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report. As a victim of a data breach, the following entries were not authorized by me and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXX - XXXX - XXXX - $ XXXX XXXX - XXXX - XXXX - $ XXXX XXXX XXXX XXXX - XXXX - XXXX - $ XXXX XXXX XXXX XXXX - XXXX - XXXX - $ XXXX U 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 XXXX XXXX - XXXX - XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX - XXXX - $ XXXX XXXX XXXX XXXX  XXXX - XXXX - XXXX - $ XXXX XXXX XXXX XXXX  - XXXX - XXXX - $ XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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:
This notice addresses disputed late payments on my credit record that remain unresolved despite my written dispute submitted XXXX days ago. Your failure to respond or validate within the mandated timeframe violates federal credit reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Account was reported as closed and I continued to make payments. I was at the XXXX mark of being able to transfer to unsecured. When I called in XX/XX/year> they told me I was on track yet had already reported the account closed without reasoning. Since then Ive made payments and yet they still reported a late payment that severely hurt my score. This was reported inaccurately. I did try to completely pay off or settle the account but instead was told that wasnt an option at that time. I just want the late payment removed and the option to settle or remove this card. None of what they said would happen due to good standing on my part actually happened, instead they just closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
After going through my credit report, I found accounts listed that are currently tied to ongoing litigation. Since these accounts are still unresolved, their inclusion is harming my credit profile in an unfair manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
The mortgage servicer, Servicemac, who is sub-servicing my loan on behalf of Guaranteed Rate, double paid my property taxes that were due by XXXX ( despite my numerous calls to them, explaining and proving that all taxes due by XXXX have already been paid ). Now due to the duplicated payment of property taxes which was the servicer 's fault, they are stating that I have escrow shortage and want to increase my monthly payment by {$700.00}, while my escrow account should have never had escrow shortage. They have mismanaged the funds in my escrow account, and are creating a big payment shock to me which is putting me at risk of defaulting on the mortgage. 

Additionally, they have not been paying me the required 2 % interest on the escrow balance as it's required by CFPB and state of California. I asked them about it, and they said that they don't pay any interest on the escrow balance. This is another violation. 

Lastly, I requested my escrow account to be removed due to their mismanagement of my funds and not paying the required interest. At first, they approved it, but then they rejected the request due to their duplicated property tax payment and the escrow shortage that they created.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Verification XXXX  Account XXXX XXXX Dear Transunion, I recently disputed an account on my credit report, and I am requesting the Method of Verification for your investigation. The account details are as follows : - Creditor : XXXX XXXX XXXX - Account Number : unknown -Creditor : XXXX XXXX  -Account Number : XXXX Please provide the following information under the Fair Credit Reporting Act : 1. The name, address, and phone number of the party who verified the account.

2. A detailed explanation of how the information was verified.

I expect your response within 15 days of receipt of this letter, as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: MS

Complaint narrative:
TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX XXXX and Collection Management ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- YOU ARE REPORTING LATE PAYMENTS ON XXXX ACCOUNTS THAT HAVE IN THE PAYMENT HISTORY. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) I HAVE NEVER BEEN LATE ON ANY PAYMENT ON ANY ACCOUNT. PLEASE UPDATE THE ACCOUNTS AND DATES FOR EACH ONE TO " CURENT, PAID ON TIME, OR PAID AS AGREED ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
I am writing to dispute unauthorized credit inquiries that appear on my credit report. I believe these inquiries were made without my knowledge, authorization, or a legitimate purpose as defined by the Fair Credit Reporting Act ( FCRA ). Additionally, none of these inquiries are connected to accounts or services I have applied for or established. delete these immediately. 
XXXXXXXX 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 XXXXXX/XX/XXXX Under the FCRA, hard inquiries may only appear on a credit report with the consumers explicit consent, typically for the purpose of extending credit, renting property, or other permissible purposes. I did not authorize the above inquiries, and their presence on my credit report is damaging my credit score and reputation.

I request that these inquiries be investigated immediately. If the inquiries are determined to be unauthorized, I ask that they be removed from my credit report promptly. Please inform me of the results of your investigation in writing at the address provided above.

I have attached a copy of my credit report highlighting the disputed inquiries, along with a copy of my government-issued identification and proof of address to assist in verifying my identity.

Thank you for your prompt attention to this matter. Should you require further information to process my dispute, please contact me directly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report. As a victim of a data breach, the following entries were not authorized by me and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXXXXXX 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 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 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 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 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
XXXX removed identity theft account with lendingclub NA and XXXX XXXX XXXX as equifax breach left my credit in strangers hand

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I never received my prepaid cards for my stimulus payments in XXXX. I contacted the IRS and they told me to contact the prepaid card company. When I contacted the prepaid card company -- Money Network -- they told me that all of the money had already been withdrawn off of both of the cards. I explained that I never received the cards and so an identity thief must have withdrawn the money. They sent me forms to fill out and send in so that they would investigate my fraud dispute. I filled out two forms ( one for each card ) and faxed them in, along with a copy of the police report that I filed with the XXXX XXXX XXXX Department. However, the company never responded in writing to my dispute. 

After more than 10 days had passed, I called again to check on the investigation. The representative told me that my claim had been denied because of " the authentication of the PIN number being used '' to make the withdrawal, but they would credit me about {$20.00}. 

This didn't make any sense to me, because I never received the cards and did not have the PINs. It makes sense that the identity thief would have done this. The representative told me that I could appeal. I submitted an appeal for each of the XXXX accounts, in writing, and submitted them by fax. They had told me it could take up to 90 days to get a decision, but I called to check in after 30 days. The representative I spoke to told me 'the decision stands ' with no further explanation. 

Since then I have called repeatedly -- at least XXXX times -- to try to speak to someone who could actually do an investigation of my fraud claim. I have spoken to supervisors, the 'escalations ' department, and others. I have sat on hold for hours, been hung up on, and spoken to many different people. Some of them have been very rude and unprofessional. Nobody at Money Network has been able to help me with this. They still have not credited my account ( beyond approx {$20.00} at the beginning ) or sent me another card. 

The Dispute ID numbers that Money Network gave me are : XXXX and 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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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:
Your continued reporting of accounts linked to identity theft violates federal law. I never authorized these accounts and previously disputed them with supporting identity theft documentation. Enclosed are copies of my social security card and driver 's license for additional verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is XXXX  me out and making me XXXX. Hope you can address this soon, please.

Company response to consumer: Closed with explanation