vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are instances of late payments recorded on my account. I am writing to request the removal of these late payments from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX and 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 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are instances of late payments recorded on my account. I am writing to request the removal of these late payments from my credit report. XXXX XXXXXXXX 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 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are instances of late payments recorded on my account. I am writing to request the removal of these late payments from my credit report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
Why thy refuse my letters I'm not uisng 3rd party I'm the one who send out letters. Please verify all the negative accounts on my credit report. I will attched my dispute letters and ftc report PLEASE DELETE IT ASAP!

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 2024-02-29 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: TX

Complaint narrative:
I appreciate the time taken to address the removal of certain items from my file due to fraudulent activity. However, there are still several remaining items requiring attention. According to FCRA section 605, it is mandatory to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be advised that you have four business days to remove the reporting of any fraudulent items from my credit file. I do not consent to E-OSCAR or any form of automated verification. Your prompt attention to this matter and a response within four business days are 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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I appreciate the time taken to address the removal of certain items from my file due to fraudulent activity. However, there are still several remaining items requiring attention. According to FCRA section 605, it is mandatory to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please be advised that you have four business days to remove the reporting of any fraudulent items from my credit file. I do not consent to E-OSCAR or any form of automated verification. Your prompt attention to this matter and a response within four business days are appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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:
Well I was affected by the Equifax breach I had to fill out the expanded time because I was never notified when I was affected and I'm XXXX so it's hard for me to feel all this stuff out I keep giving them all the information that I feel proper enough from evidence because of their breach I'm still suffering

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: SC

Complaint narrative:
I am writing to express my serious concern and frustration regarding the delay in correcting late open accounts associated with my profile. Despite my repeated attempts and communications with your institution, these accounts have not been corrected in a timely manner, which is causing me significant inconvenience and impacting my financial standing. 

The late open accounts on my profile were brought to my attention recently, and I immediately took action to rectify the situation. I followed the procedures outlined by your institution to address this issue promptly. However, despite my efforts, there has been a delay in the correction of these accounts, and they continue to adversely affect my creditworthiness and financial reputation. 

I understand the importance of accurate and up-to-date information on my credit report, and I am deeply concerned about the negative impact that these late open accounts are having on my financial well-being. It is imperative that these accounts are corrected as soon as possible to prevent any further damage to my credit profile and financial standing. 

I urge you to prioritize the correction of these late open accounts and expedite the resolution process. I request transparent communication regarding the steps being taken to address this issue and regular updates on the progress made towards correcting these accounts. 

Furthermore, I expect measures to be implemented to prevent similar delays and errors from occurring in the future. As a valued customer, I deserve prompt and efficient resolution of issues affecting my financial health. 

Please treat this matter with the urgency it deserves, and take immediate action to correct the late open accounts on my profile. I am asking for your assisstance to correct these accounts n my credit file : XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX  XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$860.00}.

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 2024-02-29 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Remove the late dates from my XXXX XXXX account on my credit report, as acknowledged by XXXX XXXX, who has already agreed to update the account. Uphold their promise to rectify the error and reflect the accurate status on my credit report promptly. I believe it's appropriate to remove the late dates resulting from a mistake and expect swift action. Ensure my credit report accurately reflects the resolution of this matter without delay. XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$13000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have recently been advised that my Pay Pal mastercard, issued by Synchrony bank, will begin charging me XXXX $ each month for a paper statement. Is this allowed and why? How can they charge me to tell me i owe them? 

Please respond via phone at XXXX or email at XXXX. 

This seems like something that should not be allowed. 

Pleas advise asap, Thanks, 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 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
If the necessary steps to rectify this situation aren't taken within 10 days, I'll file a complaint with the FTC. You're legally required to respond within 15 days, and failure to do so constitutes a violation, potentially resulting in fines up to {$1000.00}. I trust you'll promptly comply once you're aware of the issue. Please provide the investigation procedures for the following accounts within 10 days to avoid further action. 
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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
The company lowered my limit after i paid on my balance causing my utilization to go up with no reason for lowering my limit

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 2024-02-29 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: SC

Complaint narrative:
I am writing to express my serious concern and frustration regarding the delay in correcting late open accounts associated with my profile. Despite my repeated attempts and communications with your institution, these accounts have not been corrected in a timely manner, which is causing me significant inconvenience and impacting my financial standing. 

The late open accounts on my profile were brought to my attention recently, and I immediately took action to rectify the situation. I followed the procedures outlined by your institution to address this issue promptly. However, despite my efforts, there has been a delay in the correction of these accounts, and they continue to adversely affect my creditworthiness and financial reputation. 

I understand the importance of accurate and up-to-date information on my credit report, and I am deeply concerned about the negative impact that these late open accounts are having on my financial well-being. It is imperative that these accounts are corrected as soon as possible to prevent any further damage to my credit profile and financial standing. 

I urge you to prioritize the correction of these late open accounts and expedite the resolution process. I request transparent communication regarding the steps being taken to address this issue and regular updates on the progress made towards correcting these accounts. 

Furthermore, I expect measures to be implemented to prevent similar delays and errors from occurring in the future. As a valued customer, I deserve prompt and efficient resolution of issues affecting my financial health. 

Please treat this matter with the urgency it deserves, and take immediate action to correct the late open accounts on my profile. I am asking for your assisstance to correct these accounts XXXX my credit file : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00}.

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 2024-02-29 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: SC

Complaint narrative:
I am writing to express my extreme frustration and dissatisfaction with the multiple unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications with your institution, these fraudulent entries persist, causing significant distress and financial harm. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent items remain unresolved. 

It is deeply troubling to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my account. These fraudulent entries not only affect my financial standing but also raise concerns about the security of my account and potential vulnerabilities to fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling frustrated and disillusioned. 

As a customer, I have the right to expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$670.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Ordered some items from XXXX and they never arrived Wells Fargo gave me my money back and then a month later reversed the provisional credit in my account making me go negative and I still do not have the items that were so supposed to be here Months ago

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 2024-02-29 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: CL Holdings LLC
State: CA

Complaint narrative:
I never signed a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
I was called by a place that said that they were XXXX XXXX firm. Their number is XXXX. I talked to a supposed lawyer named XXXX XXXX at XXXX. XXXX. He said that I owed {$2200.00} on an Aspire Credit card from 19 years ago. They said that they were going to file papers for a lawsuit in the amount of over {$4000.00} for court and lawyer fees. He told me the last 4 digits of my social security number after he asked for my birthdate. I told him that this exceeds the statute of limitations. He responded that the statute of limitations does not apply to my debt owed. I also said paying on a debt that old would go against my credit score. He told me it would drastically improve my credit score. This goes against everything I've ever learned on debt collection practices. I told him that I will need to consult a lawyer. I paid for a lawyers advise on XXXX for {$60.00} and a one time {$5.00} fee. The lawyer on that site name XXXX said that this XXXX XXXX from XXXX XXXX firm is trying to trick me into paying the debt. XXXX said the debt exceeds the statute of limitations and that they can not file a collection lawsuit. I was pleased with this answer and did not return a call to XXXX XXXX firm, as they requestedXXXX XXXX XXXX XXXX ( XXXX ) phoned a couple days later, with a woman speaking, and left a message that they were going to file the paperwork for a lawsuit and for me to call them back immediately. I tried calling when I got home from work to explain my lawyer advise, and there was no answer and no company description on their voicemail system. It just said to leave my name and number in an automated voice, as a normal personal voicemail does. I am not sure if this is a scam, as I know that I had credit problems long in the past, but don't remember if I had an Aspire card? I now have good credit and have not missed a payment in as long as I can remember. I am confident that they can't collect a debt on something so old, but they are trying to harass me into paying this debt. I feel obligated to pay any debt that I owe, but need better proof that I even owe this debt. How in the world can most remember a debt from so long ago?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation