vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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:
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 creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXXXXXX

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 2024-11-04 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: 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I successfully used the card once for approximately {$48.00}, but since then, I have been unable to use it. I have tried multiple times at the grocery store, and it was declined both times. Additionally, I attempted to use it online for an XXXX XXXX  order, but it was also declined. After contacting customer service, I was informed there was a hold on the account and that a new card would be issued. However, even with the new card, I continue to experience declines when trying to use it both in person and online, despite it having a balance of {$52.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Had a background check pulled through Trans Union for a XXXX XXXX XXXX XXXX position. Received a copy from the county. There is an inquiry on it which says : " XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX '' When I called Trans Union, I was told that I had applied for a job with the XXXX of XXXXXXXX XXXX  and they had checked my credit- which is absurd because I live in XXXX and am retired and have NO interest in this, I do not plan to work for or even visit XXXX, nor have I authorized anyone to check my frozen and locked credit reports ( all three bureaus ). 

Then the Trans Union rep said " well maybe they offered you a job ''. I said no, this is absolutely the FIRST I have heard of this, I have not seen any job offer, I have not applied for *any* job offer, I don't have an account with them and I don't owe them any money - I have had ZERO interaction with XXXX, and where/how did they get my SSN? 

Trans Union rep could not or would not tell me who had made this inquiry and suggested that I call the city of XXXX and ask them - good luck- he didn't know what the XXXX code was either. 

Then he started babbling about how anyone I have had financial dealings with can pull my credit. I said no, I was a XXXX XXXX  for over 20 years and I KNOW how this stuff works. I have no prior or current business relationship with the city of XXXX, period, not even a parking ticket, absolutely nothing. 

Trans Union needs to give me a proper explanation of this, and it seems they can't be bothered to comply with the well stated legal rules and regulations regarding accurate credit reporting.

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 2024-11-05 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:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

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 2024-11-05 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:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

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 2024-11-05 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: CA

Complaint narrative:
I am truly shocked and disheartened. As a law-abiding citizen, its deeply upsetting to have my rights as a consumer disregarded. My credit report contains items resulting from fraudulent activity, from which I received no benefit. Despite already reporting this issue to the Federal Trade Commission, these items remain on my report, causing me significant distress.

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 2024-11-04 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: WA

Complaint narrative:
I contacted US Dept of Education because they have inaccurately reported late payments on my credit report. They didn't do anything about it. So then I contacted Transunion, and they only partially updated the status of my account. As you can see from the screen shots below, Transunion updated the status to " Paid as agreed '', but it is still showing XXXX ( which means delinquent ), and on top of this, there is a note that says my account is 120 days delinquent. This is an error! It should show paid as agreed with no note.

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 2024-11-05 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: 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 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 2024-11-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Kikoff Inc.
State: CO

Complaint narrative:
I want to report fraud, at first I thought this was a line of credit. But it actually is a lie, they trick credit bureaus that they are extending credit but dont accually extend the credit, they instead charge the consumer a payment every month for a certain term/ period. This help increase the credit utilization so the their credit score goes up. 
This company never responded and lost my information and reported me late before I could pay. The XXXX Credit Bureau is reporting two missed payments. And this has damaged my credit. Its misleading and inaccurate information that goes against the FRCA. I want this taken off my credit and will report this to every organization to alert others not to use them. They are called Kikoff. Horrible business practices and company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have sent copies of the police reports and everything asked for but hard inquiries have not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have sent copies of the police reports and everything asked for but hard inquiries have not been removed

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 2024-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: KY

Complaint narrative:
Im receiving multiple calls every single day. More than 7 calls within a 7 day time frame. Including back to back calls where they hang up and call right back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I submitted my initial claim for benefits by Mail in XXXX of XXXX, when my unemployment benefits ran out. I was paying into the credit card protection program for over ten years. Amount of close to XXXX dollars. Which was billed in monthly installments off my Macy Credit Card. ] Wen they sent me my benefit claim application, it came from a third party company located in XXXX, Georgia. ( Credit Card Protection ) I submitted the application along with unemployment benefit letter and Cover letter. Since XXXX of XXXX I never received a reply, Macy 's kept telling me, they could not communicate with this third party organization on my behalf, as to why my benefits were not being processed, but Macy 's promoted this company and Macys allowed them to billed my credit card every month for the benefits, for protection in the case I became unemployed. It has now been 7 months, I have communicated numerous times with the third party organization, along with Macy 's collection department, and Macy 's still will not take responsibility of this company 's negligence in handling my claim I also contacted the Citibank Corporate office in Ohio, to no avail!! I made payments when I could, but I have paid over XXXX dollars into this service, with no response for benefits coming back to 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 monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I know I always pay on time, but I dont understand why Im being reported as late in some months. Under USC 1666b, any billing mistakes must be fixed, and my account updated to reflect on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX with balance of {$130.00} that appears to be related to the aforementioned account at XXXX XXXX XXXX. These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts or collections. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-11-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally escalate a matter I have been trying to resolve with XXXX XXXX customer service team. I recently had a very unsatisfactory experience with a representative who was rude, condescending, and failed to properly address my concerns regarding an unwarranted 30-day late on my credit. 
XXXX XXXX was the escalations representative assigned to my case. Despite my attempts to explain the situationincluding the difficulties Ive faced with making payments due to poor customer service and communication issuesI received no meaningful resolution. Upon realizing this matter wasnt going anywhere, I requested XXXX superiors contact information in which the representative repeatedly claimed to be at the very top of the hierarchy, stating that no one was above him. 
Specifically, I am concerned about a 30-day late that I believe was wrongly applied to my credit history, resulting in a drastic hit on my XXXX scores. This late is due to be the result of an oversight on Wells Fargos part, as I had been informed that I was placed back on autopay after an earlier issue. The representative dismissed my concerns, referring to the issue as a matter of forgiveness, which I found to be an incorrect characterization of my situation. 
Further, upon pulling up the recorded calls between customer service and me, the representative acknowledged the presence of a significant language barrier in my prior interactions with Wells Fargo customer service, yet he still failed to take any concrete steps to rectify the issue. 
In our final exchange, I requested the contact information for the legal department, as the representative claimed that he was unable to escalate the matter further. He promised to follow up with me but has failed to do so, leaving my concerns unresolved. 
I am disappointed with both the lack of resolution and the unprofessional behavior exhibited during this interaction. Given the circumstances, I am now formally requesting that this issue be escalated to the appropriate level for a thorough review. Please provide the necessary information for further escalation or a direct response from a senior representative who can help resolve the matter. 
Thank you for your prompt attention to this issue. I look forward to your response and a satisfactory resolution. 

Sincerely, 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 2024-11-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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