vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
Kindly update my account this causing me a lot of stress and anxiety.

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 2024-04-09 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: UT

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
Tired of being ignored month after month about inaccurate information which has never been verified to me after asking for physical proof. I am yet to receive proof but still this inaccurate information keeps 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 2024-04-09 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:
Transunion has been notified by me on XX/XX/2024 to produce documentation that has been certified under penalty of perjury from the data furnish er as Transunion CLAIMS it was verified, instead of providing relevant documentation with evidence Transunion ON XXXX XXXX 2024 decides to stall me out by not doing a reasonable investigation about this issue, Transunion with out any written consent by my just added a phone number to say item has been added to my file. Transunion plays childish games, its a willful participant in harming my life by not abiding to FCRA laws as it bound by them. Transunion willfully ran a foul of the FCRA law. 

I DEMAND YOU FOLLOW THE THE LAW ACCORDING TO FCRA FAIR CREDIT REPORTING ACT This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( XX/XX/2024 ). 


To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative item, as originally requested. 



In accordance with the Fair Credit Reporting act. The list of accounts below have violated my Federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. account # XXXX XXXX XXXX ( XXXX ) account # XXXX  XXXX XXXX XXXX XXXX ) account # XXXX XXXX  XXXX XXXX XXXX ) 15 U.S.C. 1681 section 602 A. States I have the right to privacy and cording to 15 USC 1681e ( b ) they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: AZ

Complaint narrative:
I was released from my last job on XX/XX/2023. I called Mohela/XXXX that day to get my loan put into forbearance while I look for a new job. They said forbearance does not exist for private loans ( which it does ) and due to my savings I had at the time, I could not get a lowered payment. I have been paying {$540.00} a month since then out of my savings. Next week will mark my XXXX month anniversary of not having a job and I'm out of savings at this point. I called MohelaXXXX again and asked to be put into forbearance and was told it does not exist for private loans, but I could get a lowered payment of about {$210.00} a month. I reminded them I have no savings and no income and I don't even know how I'm going to pay rent after this month. Their response was that I could take the lower payment or continue making the full payment and then made a point to ask me which one I wanted to choose. I chose the lowered payment, not that it helps any. I can't pay even that at this point. If they had allowed me to do a lowered payment back in XXXX, I would still have some savings left and could have lasted longer, but now all options for me are gone. 

I stated I was going to contact DoE and CFPB to file complaints and suddenly the rep I was talking to was interested in having me speak to a supervisor. Of course none are available ( they never are ) and I was promised a call back within XXXX hours ( which they never do ). So, my current situation is I'll no longer be able to make payments and my credit is going to take a hit for non-payment and then I'll go into default. Maybe I should just file bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I bought a timeshare in the summer of 2023 and fell behind the payments. It was sent to collections without my knowledge and now they are trying to add a {$3600.00} amount to the original debt owed. They also want a payment in FULL and kept insisting that if I don't pay in full it will negatively affect my credit. They told me to go get a loan so I can be in more debt. I feel that they are taking advantage of the situation and measures should take place so they don't extort anybody else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-09 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:
Tired of being ignored month after month about inaccurate information which has never been verified to me after asking for physical proof. I am yet to receive proof but still this inaccurate information keeps 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 non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Klarna AB
State: NY

Complaint narrative:
This concerns possible fraud by a third-party co called Klarna and a fourth-party called XXXX XXXX  interfering in a transaction I did via XXXX. 
I made XXXX  res at a cabin in XXXX for XXXX intended to stay together with elderly XXXX  relatives. It turned out it would be a health and safety hazard .... BUT BECAUSE the owner was not forthcoming about the precise location, it took days to affirm it was deep in a snowy forest MILES from where we needed to gather with our elder, unhealthy relatives. 
I immediately requested cancel. It was unsafe, unusable for us. I did not get any rimmediately response, but always use my XXXX XXXX credit card for travel arrangement -- I let XXXX know, and XXXX, and booked an appropriate place with XXXX. It was payed in full ; the owner says she " was fully paid '' ; XXXX has had XXXX 'ambassadors ' call me and say I don't owe money. 

Despite having agreed with XXXX that that mater was resolved and we did not owe Klarna or XXXX anything, Klarna keeps putting this amount, {$840.00}, or now more than {$900.00} in letters and emails and says it has sent it to collections XX/XX/XXXX. I have a scan of the letter. I would like Klarna to cease and desist from harassing and threatening my credit rating. I am a senior on fixed income, this is not the time I want that threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 explanation
Consumer complaint received 2024-04-08 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: TN

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-04-08 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: TN

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-04-08 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: TN

Complaint narrative:
I request the immediate removal of this unauthorized entry from my credit report, as it is not associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Webcollex, LLC
State: OH

Complaint narrative:
This account is not mine. My identity was stolen. Under the fair credit reporting act my rights as a federally protected consumer has been violated Account opened XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: UPGRADE, INC.
State: IL

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report Im requesting a 1099c ( cancellation of debt ) from the following charged off account listed below.upgrade XXXX After checking my most current report the updated information stated the account was purchased by XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender.please send the 1099c form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-09 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: CA

Complaint narrative:
XXXX, XXXX, and Experian are reporting an account and balance that do not belong to me. I have sent a letter requesting deletion several times, but the account still appears on my credit report month after month. I have attached my letter of removal below. Thank you.oval below. 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 2024-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO stole {$130.00} from me. I XXXX {$130.00} on XX/XX/XXXX to a friend not knowing that their XXXX account was closed. The transfer was made. My friend never received the money. They never put the money back in my account. I filed a claim, and WELLS FARGO denied it. The bank said that it was my error. 

WELLS FARGO is the most horrible bank I have had to deal with. I would never recommend anybody to do business with them. They are thieves. I work very hard for my money.

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 2024-04-08 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:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Johnson Mark LLC
State: ID

Complaint narrative:
I paid off this amount in full back in XXXX. This form is void and redundant. If not all together fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
In XX/XX/2024, a fraud transaction of XXXX USD happened through my chase bank account. I immediately contacted chase bank customer support and notified them this is fraud. They have assured multiple time that there is nothing to worry about. They will reverse the transaction and block my debit card. After a day, the transaction got reversed and after a week I got my new card. BUT today I got a letter from chase saying that I need to pay for the fraud transaction, and XXXX USD will be debited from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. This account continuously shows up my account past the XXXX  date XXXX/XXXX. Which is illegal. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX XXXX XXXXIn accordance with The Fair Credit Reprorting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-04-09 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 sending this complaint to dispute this account on my credit report that resulted from identity theft. This account do not belong to me and I am the one disputing this fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 

This is the fraudulent account on my report : 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