vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: VA

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need 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 2024-05-21 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: FL

Complaint narrative:
Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation.

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 2024-05-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2400.00} XX/XX/XXXX NOT PROVIDED XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX {$58.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On Tuesday XX/XX/2024 I tried to request my annual credit score information from all three companies, and all three could not find me in the database, and I was unable to get my credit score. 

I pay monthly utility, and I am an authorized signer on a card with my mom. Calling these companies they simply said they could not find me and hung up

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
On Tuesday XX/XX/2024 I tried to request my annual credit score information from all three companies, and all three could not find me in the database, and I was unable to get my credit score. 

I pay monthly utility, and I am an authorized signer on a card with my mom. Calling these companies they simply said they could not find me and hung up

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 2024-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: MD

Complaint narrative:
OnXX/XX/XXXX an order was placed on XXXX XXXX XXXX website with Klarna selected as the payment option. The total amount was {$2500.00}. The first payment was scheduled for XX/XX/XXXX. The item was returned to XXXX XXXX XXXX within the 30 day return period. The return was even reported to Klarna on XX/XX/XXXX and Klarna paused payments because I noted a return was in progress. Klarnas website state this allows the payment to be paused while the store is processing a return. On XX/XX/XXXX, XXXX completed the return and refunded Klarna {$2500.00} ( the full amount minus a XXXX delivery feel ). Klarna has adjusted my account however, did not cancel the payment plan and is charging me {$100.00} in interest. I have spoken with two representatives at Klarna on XX/XX/XXXX and XX/XX/XXXX who assured me that the interest just needs to be adjusted. On XX/XX/XXXX, I am being told the interest will not be adjusted. Why am I charged interest on an item that was returned before the payment due date and within the 30 day period. Klarna was notified of the return and even paused the payments. It is unduly just to charge {$100.00} in interest for an order that was returned to the store during the return period. I am also attaching the loan agreement that has total interest for 24 months of {$990.00}, even if the interest was prorated for one month, that would be {$42.00}, not {$100.00}. It is an unfair business practice to charge this amount. Please assist. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: NY

Complaint narrative:
New York State child support put the account on my credit reports. The account was closed and terminated in XXXX  and is no longer accessible in their records. I gave Experian city documents showing the date the account was closed, as well as a recent letter from three child support office showing the account has been terminated. Experian has received these documents but still has the account as open and current on my report. They also refuse to remove the account even though I have a letter of termination and the cold support office said it should be removed from the report since they can't access it any longer either. I have been trying to get this removed for 3 years, since the account was closed and terminated. The information is incorrect, should not be on the report, and is hurting my ability to borrow or create a better financial situation for myself and my family.

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 2024-05-21 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: NY

Complaint narrative:
I, XXXX XXXX, am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows several credit inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX made on XX/XX/2024 XXXX XXXX XXXX XXXX, on XX/XX/2024 XXXX XXXX XXXX XXXX, on XX/XX/2024 XXXX XXXX XXXX XXXX made on XX/XX/2024 XXXX XXXX XXXX, on XX/XX/2024 XXXX XXXX XXXX, onXX/XX/2024 XXXX XXXX XXXX, on XX/XX/2024 XXXX XXXX XXXX XXXX made on XX/XX/2024

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 2024-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Per the FCRA as a Federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written or non written verbal or non verbal I am now rescinding that authorization via 15 US code 6802 effective immediately and indefinitely. The law states that I have the right to opt out of anything reported on my credit report. Starting XX/XX/2024 : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I would like to opt out of all these being reported on my credit report. I expect prompt compliance with this request and confirmation of the opt out within 30 days of this CFPB complaint. Failure to comply with this request may result in further action being taken to protect my consumer rights under federal law. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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:
Per the FCRA as a Federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written or non written verbal or non verbal I am now rescinding that authorization via 15 US code 6802 effective immediately and indefinitely. The law states that I have the right to opt out of anything reported on my credit report. Starting XX/XX/2024 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like to opt out of all these being reported on my credit report. I expect prompt compliance with this request and confirmation of the opt out within 30 days of this CFPB complaint. Failure to comply with this request may result in further action being taken to protect my consumer rights under federal law. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
As a customer of a bank that routinely offers me 0 % financing on direct deposit ( cash ) and balance transfers for a fee of 3-4 % of the amount deposited or transferred, an offer I recently utilized ( 0 % til XX/XX/XXXX ; 3 % transfer fee ) showed interest accruing at 23.24 % annualized on my XXXX and XXXX statements. 

For over FIFTEEN years I have utilized this bank 's products due to the favorable terms, and not only are the SAME OFFERS posted to my account monthly, they are sent via USPS -- paper based offers which I always retain if I utilize them and can provide this evidence. 

I have a XXXX FICO score and have never missed a payment. I always pay the amount in question OFF before the 0 % converts to a higher rate. As I have cards with far lower rates at this bank ( 9.9 % being the lowest ) why would I accept an offer that had such onerous terms? 

The answer is : I did not -- there is only ever ONE offer presented to me at a time, so it's not like I " clicked on the wrong thing '' and can provide YEARS of evidence to this pattern of utilization as well as the bank 's OWN documentation as to the offers continually issued to me electronically and by mail When I requested the bank correct the error -- again, their algorithms would never even POST an offer with terms like these, nor would I ever utilize such an offer -- they declined, saying I had " accepted the offer ''. 

I know this is not the case. I also know how easy it is for records to be electronically manipulated ( XXXX XXXX XXXX XXXX XXXX ) and find it unfathomable how the bank would risk an open battle over such a small amount of $ $ ( to them ) For me, {$380.00} is a lot of money. 

My first calls ( over 1 hour ) on XX/XX/XXXX I was promised a resolution and a letter of same in my account within 24-48 hours. I asked for any further interest accruals to be held pending the outcome of the investigation. 

I received NO letter as was promised and my bill closed with a SECOND month of interest accrual. 

My calls today ( XX/XX/XXXX ) took over 1.5 hours and the bank stated that it was " something I did ''. I was ( once again ) promised a letter with this determination -- I will add it to my file if it ever arrives. 

My request is simple : honor the terms of the offer as it is always presented. The transfer fee has posted and is NOT in dispute. However, there should be NO interest accruing on this BT, with a pay off date of XX/XX/XXXX. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I requested my risk management report after my insurance skyrocketed. I asked them why and they told me that there was an at fault accident reported in XXXX of 2019. I told them Ive never been in an accident let alone an at fault accident. They informed me that I had to order the report and then dispute it. I ordered the report, however, it was not sent to me. I received a letter with instructions on how to access the report ( see attachment ). I followed the instructions, the link, and attempted to use the PIN, however that didnt work. I understand that things happen but my issue is with their blatant lie. Please take note of the error message screenshot. In there they give a number and specifically state to speak with a live representative which is a lie. Ive called this number as well as others Ive found on their website which lead me back to the same recording and NONE of them offer an option to speak with a human. 

So, they first send me incorrect information for me to access my report then lie about my ability to speak with a human. You see, had they not lied and I actually could speak to a human, maybe my problem would be solved but all over their website they list phone numbers to speak to a human and none of them get you a human. I had to put in another request online to the support team. I finally was able to get someone on chat, they ga e me a number not listed anywhere so obviously its an internal number thats only given out by their support team. 

I called that number and basically get told theyll send out a new letter in 7-10 business days. I already waited the 7-10 business days for the first useless letter and now another 7-10 business days and hope I get the right information. Meanwhile, my insurance doubled for something that is 100 % not mine. I understand this needs to be disputed but it is 100 % inappropriate what I need to deal with and still only hope I get what I requested. 

I think it terrible that nobody holds these reporting agencies accountable. I see all of these laws they have to abide by but they dont, because they dont have to. Were all 100 % at their mercy and NOBODY holds them accountable. 


Of course if I sent my customers letters with a number telling them where to reach a human and that wasnt true, Id be charged with deceptive advertising but here, Ill sit and just keep waiting, paying double car insurance despite knowing unequivocally it does not belong to me or any other family member, and LexisNexis will just continue to list false information, make you wait basically almost a month to hopefully get the correct information only to then dispute information and wait another month because you allow them to do whatever they want! So who will reimburse me for all of the money Im wasting?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-21 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: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These are not mine. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief