vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: FL

Complaint narrative:
I have been a XXXX customer over almost 2 decades and have NEVER paid my credit card late. Last year in XX/XX/XXXXXXXX  I made a purchase and thought I had made the payment immediately after on the website. For whatever reason the payment did not go through and i was completely unaware. Despite updating my email address years earlier, alerts of this bill ( I think it was something like {$100.00} ) was sent to an OLD email address. There was also an issue with my online account, apparently there were two accounts and the old and new had not merged. Nevertheless, the amount was not showing up. I was also in the middle of a high conflict divorce involving XXXX  XXXX and my ex husband had stolen mail from my mailboz and then forwarded all of my/our mail to another address so I did not get any of my mail for months. I was also dealing with health issues in addition to the high level of stress. When I was finally able to start receiving my mail it again, it was now past the XX/XX/XXXXXXXX  due date and I was completely horrified since I knew good credit would be vital for me to finaicially survive this divorce. I called, emailed and chatted with XXXX reps until my face was blue but they refused to hear me and reported it to the credit bureaus, ruining my credit. I disputed it with the credit bureaus and XXXX took it off but the other 2 left it on. It is literally the ONLY negative item on my credit. Months later I am now divorced and trying to qualify for a loan and this is literally the ONLY negative item that is preventing approval. I called again today ( XX/XX/XXXX ) and explained the situation, urging them to see that I have never, before or after this event been late on any payments but they refused again to remove it. That is was an error on thier websites end followed by unfortunate circumstances tha prevented me from getting mail. It is unfair and false to say that I was just 60 days late, I have always paid on time and had every intention of doing so. I am sure thier electronic records show an attempted payment the same day I made the purchase and have no idea why it didnt go through or why my email did not update despite me tryign to update it many times ( there was a prompt when I signed in and I guess every time it failed to update ). I need this 60 day late item taken off of my account ASAP ... my entire life is literally on hold because of this issue.

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 2023-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NC

Complaint narrative:
I requested verification of debt documents specifically the signed contract agreement from Discover but I have not received any documents about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I've recently checked my credit report from XXXX and TransUnion and I was shocked to see a fraudulent account was reported in my credit file. The XXXX XXXX XXXX XXXX is a fraudulent account, I did not authorize anyone to use my personal information in order to open this account. I filed the FTC Identity Theft Report and included this fraudulent account in this report.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Id like to start off by making it very clear that I have attempted to resolve this matter with XXXX Bank directly for over a year or longer. I've spent countless hours a week calling in to speak with the correct department in regards to my account not being accurately reported to all three credit bureaus. As a consumer with a positive account history, XXXX XXXX  not reporting to Transunion has and is still impacting my credit report as well as credit score. Both XXXX and XXXX show accurate reporting, however, XXXX XXXX  continues to deny the issue at hand. XXXX XXXX  requested I print and mail in my credit report along with a letter explaining the inaccurate credit reporting and compliant, notarized as well. From that request, I took the time, effort, money to print over XXXX pages then mail it in into the Correspondence address they provided. Fast forward to last month and XXXX XXXX  mails me a letter stating they did an investigation and Transunion would be responsible. Obviously this is an obscene response to a consumer who literally did everything requested of her by the credit card company to rectify the issue. XXXX XXXX  reviewed my Transunion credit report very clearly showing no record of the account, ever. Now they are requesting I send in another credit report a month later so they can open an investigation, mind you, the last investigation resulted in no accountability. At this moment, I am requesting that XXXX XXXX reports to Transunion Credit Bureau. This account is over XXXX years old and there is no excuse as to why XXXX Bank refuses to report to all three bureaus when they state they are committed to that. Please help me rectify this issue as any time I call in ( once a week for over a year straight ) they transfer me a few times, request the entire process to start over, or simply blame Transunion.

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 2023-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: United Consumer Finance, Inc.
State: PA

Complaint narrative:
Dear, Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding my interactions with United Consumer Finance Inc. As a consumer who has been diligently managing financial challenges throughout XXXX, I find myself in a distressing situation with the aforementioned company. 

Despite my continuous efforts to meet payment obligations, I regrettably fell behind on payments, resulting in my account reaching a repo status with a current outstanding balance of {$1000.00}, as of XX/XX/XXXX. I acknowledge my responsibility in this matter and have recently secured a full-time job, aiming to rectify my financial standing. 

My attempt to engage in a negotiation process with United Consumer Finance Inc has been met with considerable difficulty, particularly when dealing with the repo department. Unfortunately, the individual handling my case has displayed a disconcerting lack of willingness to cooperate and explore viable solutions. It is disheartening to experience such a rigid approach, especially considering the precedent set by other financial institutions that extend support to customers facing financial hardships. 

I am reaching out to your esteemed organization with a genuine plea for assistance. I am eager to negotiate a reasonable payment plan or explore potential avenues for refinancing to settle my outstanding balance promptly. I believe that a cooperative and understanding approach would be beneficial to both parties involved.

I kindly request your prompt intervention to facilitate a resolution with United Consumer Finance Inc. Your assistance in this matter would not only provide much-needed relief but also restore my confidence in fair and ethical financial practices. 

Thank you for your attention to this matter, and I trust that your intervention will contribute to a positive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: FL

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID, Proof of Address with my most recent bill and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: NM

Complaint narrative:
Received credit reports. 

Contact us evenings XXXX XXXX MT. 

Require letters of deletion from XXXX XXXX. 
Credco excessive in 2020 timeframe XXXX or more. Causing us 2 % plus points on home loans through XXXX XXXX XXXX 

Unauthorized inquiry by CredcoXXXX. 

Caused us to end with XXXX XXXXCredco . 

No contact from this company for XXXX card/account never requested. Phone tag only/lack of response exists. 

Hard inquiries causing us losses in credit approvals. 


My name should only appear as XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Apartment Complex Is correct. 

XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX is correct XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX is correct. 

Cellphone XXXX is correct Requesting fraud alerts on our SSNs. 

In my SSN. inquiries from XXXX XXXX and XXXX XXXX are certainly Fraud ID related. Excessive. Letters of deletion requested. 

XXXX XXXX Potentially Negative. Exists. Fraud related likely. Not a holder during time frame. Letter of deletion. 

XXXX letter of deletion requested. No knowledge of this company. Likely fraud related. 

No knowledge of XXXX XXXX inquiries. Letters of deletion. Likely fraud related. 

Massive duplication of Name, misspelling of addresses, exists. Fraud protection from FTC was requested previously. 

Thank you for your assistance. 

Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After reviewing my credit report, I noticed I have XXXX late payments being reported by XXXX XXXX XXXX I called and they were unwilling to reverse the late payments although I have excellent payment history, and this was an oversight on their part. This is not how a customer with my history should be treated, I notice the late payment was reported in XX/XX/2022 and XXXX XXXX. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. 
Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: NJ

Complaint narrative:
After reviewing my credit report, I noticed I have XXXX late payments being reported by XXXX XXXX XXXX I called and they were unwilling to reverse the late payments although I have excellent payment history, and this was an oversight on their part. This is not how a customer with my history should be treated, I notice the late payment was reported in XX/XX/2022 and XXXX XXXX. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. 
Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-12-28 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: SC

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-12-28 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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-12-28 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-12-28 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: MD

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
It has come to my attention several companies made a hard inquiries to XXXX, XXXX XXXX and XXXX without my permission or authorization and I would like the hard inquiries removed. I contacted each bureau and they said I need to file a report and get a FTC number to remove. 



There were several hard inquires made by XXXX by Capital One, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Click n' Close, Inc.
State: CA

Complaint narrative:
XXXX XXXX approved and accepted a loan modification of my deceased husbands mortgage 2 years ago. Then they sold the old loan, not my new loan, to another mortgage co, XXXX. XXXX returned it to XXXX a year and a half later as they could not get updated loan documents from XXXX. XXXX is now ClicknClose who sends multiple conflicting emails on my loan, sends letters saying loan is in default, and I get calls from debt collectors. Every payment was made timely to XXXX, XXXX, and ClicknClose except this month as phone payment was refused and the check I mailed wasnt deposited. ClicknClose wants all new application documents : income, tax returns, bank statements, credit report, etc, to apply for an assumption. I provided all this and more when loan was approved in 2021. The VA officer emailed ClicknClose that my loan was a legal, binding contract that they must uphold. ClicknClose continues to request new loan documents and letters still come saying loan is in default, foreclosure imminent. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Despite my formal request made on XX/XX/2023 to Bull City Financial for verification of debt documents, notably the signed contract reflecting my signature, I have not received a response within the stipulated 30-day period. Instead, the documents sent to me contained confidential hospital information, which was never authorized by me for disclosure to any third party. It's critical to emphasize that these documents not only breach HIPAA regulations but also fail to fulfill the essential requirement of providing valid verification of the debt as originally requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I applied for a mortgage on our rental home and have received roughly 100 mortgage solicitation calls in 2 days! I have to keep my phone on silent because it is constant. Ive also received numerous solicitation texts as well. It is my understanding that the 3 credit bureaus sell my information to solicitors. This is absolutely harassment. This must stop!

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