vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 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: FL

Complaint narrative:
There is diferents SSN in my credit report, and that show my credit report resut for identity theft.I formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days. 
I understand that failure to investigate these accounts within a period of

thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit report
s at no charge.Please send me my updated report as soon as your investigation is completed. I personally signed and sent this letter. Sincerely,

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 2024-04-06 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: FL

Complaint narrative:
There is diferents SSN in my credit report, and that show my credit report resut for identity theft.I formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days. 
I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.Please send me my updated report as soon as your investigation is completed. I personally signed and sent this letter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
called them to credit freeze lifted, thier website would not work. After answering all thier questions he then asked about who owns real estate in new york. Having not lived in new york after XXXX years i said i dont know. he then said i have to answer the question. i then asked for a XXXX and he said no. so i said ok im filing a complaint he said go ahead and here we are. this is a horrible way to have help as far as im concerned. 
thank you for you time in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I did not consent to authorize nor benefit from this account. Block and remove it. Please remove this fraudulent, inaccurate account as I do not know of anything about this account, and absolutely a result of XXXX XXXX XXXX data breaches/ identity theft. It's currently being investigated by the FTC. 
According to FCRA 605 ( b ), this information must be blocked immediately until the investigation is over. 

Account name : XXXX XXXX Account number : XXXX Account balance : {$4600.00} Date opened : XX/XX/2XXXX 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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
called them to credit freeze lifted, thier website would not work. After answering all thier questions he then asked about who owns real estate in new york. Having not lived in new york after 50 years i said i dont know. he then said i have to answer the question. i then asked for a manager and he said no. so i said ok im filing a complaint he said go ahead and here we are. this is a horrible way to have help as far as im concerned. 
thank you for you time in 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 2024-04-06 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: NC

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have not received a signed agreement and some of my payments are missing from the statements I was sent. I had never been sent a statement before, so I did not know what was going on. I know I borrowed some money from Care Credit for medical care XXXX or so years ago ( 2019 ). I was not mailed a copy of the agreement, so I did not know Synchrony Bank was involved until I called Care Credit and asked where to send my payments. I then called Synchrony and made sure they had my address made a payment and picked a due date so I could pay on time each month. I put my bank account on auto-pay and make a minimum of {$180.00} a month sometimes more. I did not miss a payment and I was never late. I did not get any communications from them and was making payments for 3 years until I received a letter stating that I was in default. 
Here are the issues with the statements I received by mail : 1. There is no copy of my signed agreement showing the amount I borrowed.

2. payments are missing from the statements that I was sent.

3. I was charged late fees when I sent the payments on time.

4. I did not sign up for the coverage insurance I was billed for every month.

I have asked for this information by phone, email, and postal mail. They will not provide me with this information and have ruined my credit.

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 2024-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I applied for the XXXX program for the balance due on my student loans. 
They took several months to process my application before i was finally placed in the XXXX program. However during that time, my loan accrued {$380.00} in interest. 

Should not the interest accruing on the loan have been frozen from the day my application was processed? Otherwise, they have incentive to delay the process and sit back while the balance due increases. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: OH

Complaint narrative:
I tried several unsuccessful times to receive more assistance than just a couple month deferred temporary payments on this FHA Home Mortgage Bank to assist more with a longer term resolution such as a lower if my annual APR rate of 7 % to 5 %. 


Furthermore, US Bank Home Mortgage Loss Draft Department for escrow funds of an approved insurance claim in the amount of {$6700.00} dollars is being unfairly withheld by this department even though I have complied with all required documents to disperse the amount of funds initially requested by my contractor of {$5000.00}. They are asking him to assemble steps on a 25 % claim amount and not give him additional funds to assemble the steps, railings and landing that all need to be done together. How is my contractor supposed to assemble patio steps without any support!!? That is just ludicrous!!

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 2024-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advantage Collection Professionals, Inc.
State: IL

Complaint narrative:
Company is trying to collect rent money not owed as I never resigned a lease in XXXX due to uninhabitable living as there was fiberglass as well as rodents in the common area and units.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Account was opened in my name with Wells Fargo without my consent. This was late XXXX early XXXX. Report to their fraud department and never heard anything else.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Request for Removal of Negative Amounts from Credit Report Experian XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally request the removal of negative amounts from my credit report. Upon reviewing my credit report, I noticed several negative entries that I believe inaccurately reflect my financial history. I have outlined these discrepancies below : XXXX XXXXXXXX XXXX XXXX XXXX / XX/XX/XXXX ( Negative Account ) XXXX XXXXXXXX XXXX  : XXXX XX/XX/XXXX ( Negative Account ) XXXX XXXX : XXXX XX/XX/XXXX ( Negative Account ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ( Negative Account ) I would like to emphasize that these negative entries are erroneous and do not accurately reflect my financial behavior. I have diligently maintained timely payments on all my accounts and have taken proactive steps to improve my creditworthiness. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate these discrepancies and remove any inaccurate negative amounts from my credit report promptly. I have enclosed copies of supporting documents, including payment records and correspondence with the respective creditors, to assist with your investigation. I understand the importance of an accurate credit report in facilitating fair access to credit and financial opportunities. Therefore, I urge you to expedite the resolution of this matter and provide me with an updated credit report reflecting the removal of the erroneous negative amounts. Please inform me of the outcome of your investigation and the actions taken to rectify the inaccuracies on my credit report. I can be reached at ( XXXX ) or via email at ( XXXX ), should you require any further information or clarification. Thank you for your attention to this matter. I look forward to a prompt resolution. 

Under The Fair Credit Reporting Act 15 U.S. Code 1681

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On or about XX/XX/2024 i sent Equifax a Dispute letter asking them to investigate these charge off accounts that were closed and dismissed! They continued to verify the accounts when in fact they are unverifiable and inaccurate! A consumer reporting company may not provide a consumer report under FCRA section 15 USC 1681b ( a ) ( 3 ) Permissible Purposes for Furnishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: OH

Complaint narrative:
I have been going back and forth with this company for almost a year with disputing information that was not mine. I have provided so much info for them and they keep telling me it has to stay on my credit report. It's messing up my future. 

Here is a list of the accounts I have disputed multiple times. 

XXXX  XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXX  - Account # XXXX XXXX XXXX - Account # 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 2024-04-06 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: MI

Complaint narrative:
It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. 

The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.

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 2024-04-06 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: MI

Complaint narrative:
It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. 

The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: NH

Complaint narrative:
because of this injury i have had hardship throughout life because of damages credit i have been restricted from privileges in society. also the act committed by the collection agency is not lawful. 
the agency keep updating the date for years to make the debt seem recent when its not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

my domicile is XXXX NH XXXX clearly the agency is out of my jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On or about XX/XX/2024 i sent Experian a Dispute letter asking them to investigate these charge off accounts that were closed and dismissed! They continued to verify the accounts when in fact they are unverifiable and inaccurate! A consumer reporting company may not provide a consumer report under FCRA section 15 USC 1681b ( a ) ( 3 ) Permissible Purposes for Furnishing.

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 2024-04-06 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: TX

Complaint narrative:
Subject : Request for Removal of Negative Amounts from Credit Report XXXX  XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally request the removal of negative amounts from my credit report. Upon reviewing my credit report, I noticed several negative entries that I believe inaccurately reflect my financial history. I have outlined these discrepancies below : XXXX XXXXXXXX XXXX : XXXX / XX/XX/XXXX ( Negative Account ) XXXX XXXXXXXX XXXX : XXXX XX/XX/XXXX ( Negative Account ) XXXX XXXX  : XXXX XX/XX/XXXX ( Negative Account ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Negative Account ) I would like to emphasize that these negative entries are erroneous and do not accurately reflect my financial behavior. I have diligently maintained timely payments on all my accounts and have taken proactive steps to improve my creditworthiness. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate these discrepancies and remove any inaccurate negative amounts from my credit report promptly. I have enclosed copies of supporting documents, including payment records and correspondence with the respective creditors, to assist with your investigation. I understand the importance of an accurate credit report in facilitating fair access to credit and financial opportunities. Therefore, I urge you to expedite the resolution of this matter and provide me with an updated credit report reflecting the removal of the erroneous negative amounts. Please inform me of the outcome of your investigation and the actions taken to rectify the inaccuracies on my credit report. I can be reached at ( XXXX ) or via email at ( XXXX ), should you require any further information or clarification. Thank you for your attention to this matter. I look forward to a prompt resolution. 

Under The Fair Credit Reporting Act 15 U.S. Code 1681

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 2024-04-06 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: TX

Complaint narrative:
Subject : Request for Removal of Negative Amounts from Credit Report XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally request the removal of negative amounts from my credit report. Upon reviewing my credit report, I noticed several negative entries that I believe inaccurately reflect my financial history. I have outlined these discrepancies below : XXXX XXXX XXXX : XXXX / XX/XX/XXXX ( Negative Account ) XXXX XXXX XXXX : XXXX XX/XX/XXXX ( Negative Account ) XXXX XXXX : XXXX XX/XX/XXXX ( Negative Account ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ( Negative Account ) I would like to emphasize that these negative entries are erroneous and do not accurately reflect my financial behavior. I have diligently maintained timely payments on all my accounts and have taken proactive steps to improve my creditworthiness. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate these discrepancies and remove any inaccurate negative amounts from my credit report promptly. I have enclosed copies of supporting documents, including payment records and correspondence with the respective creditors, to assist with your investigation. I understand the importance of an accurate credit report in facilitating fair access to credit and financial opportunities. Therefore, I urge you to expedite the resolution of this matter and provide me with an updated credit report reflecting the removal of the erroneous negative amounts. Please inform me of the outcome of your investigation and the actions taken to rectify the inaccuracies on my credit report. I can be reached at ( XXXX ) or via email at ( XXXX ), should you require any further information or clarification. Thank you for your attention to this matter. I look forward to a prompt resolution. 

Under The Fair Credit Reporting Act 15 U.S. Code 1681

Company response to consumer: Closed with non-monetary relief