vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently made timely payments on this account, ensuring they are never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I got my federal taxes listed on to a prepaid XXXX  XXXX from XXXX XXXX and American Express. There Is a app for your phone for the card to check your transactions and balance. I didnt use the card or app often. So the beginning of XX/XX/2024 I logged onto the app to get my account information and noticed my balance was almost {$2500.00} short!! There were almost {$2500.00} worth of transactions to a XXXX account that was NOT mine and I did NOT authorize. I immediately closed my card online and reported it stolen thru the XXXX  app. I also looked on the app to see what to do if this happens. It said to write to them and include everything. So thats what I did. I printed off all transactions, included my police report and the officers card.I mailed it off priority mail. I waited for almost 2 weeks for a response and never got one. So I finally called. 
The lady on the phone said they never received my dispute and redid the entire thing. I received a email asking for my documents and I uploaded all of them. I told them I did NOT authorize ANY of the transactions. 12 days later I get an email saying my dispute was denied. 
My card was used on someones random XXXX that did NOT have my name on it or anything to do with it. I did not authorize the transactions. How can they deny my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX  have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my XXXX  and XXXX  information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-04-05 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: CT

Complaint narrative:
I am a victim of XXXX  XXXX. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here.

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 2024-04-05 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
Initially, I borrowed {$25000.00} from XXXX XXXX. Over a period time, I had repaid {$16000.00}. I had reached out to the lender to ask for the potential for an adjustment to our monthly payment due to predicted hardship as the pandemic in XXXX began to unfold. 

XXXX XXXX  replied with a payment plan that would have had me repay over {$28000.00} to them over 60 months. This would have been on top of the {$16000.00} I have already paid. I replied to them that paying a total of {$44000.00}. I asked them if they can provide me with any other options since this would represent a total repayment that would represent a higher interest repayment amount than the interest rate and terms agreed to when I borrowed the initial {$25000.00}. 

Soon after these conversations took place, I received a piece of mail from what appeared to be a debt collector and never heard back from XXXX XXXX. I asked the debt collector to share the details of the loan with me as my husband and I were victims of the robosigning fraud that took place during the XXXX financial crisis. My goal was to ensure that the debt they were looking to collect was actual mine. I never heard back from that debt collector. 

Things went silent for a long time until O & L Law Group P.L. reached out to me via mail on XX/XX/XXXX of this year ( XXXX ). I then began the process of communication again and I asked for the proof that they are looking to collect a debt that was mine since I now notice that the loan may have been moved several times behind the scenes and I see a name of a lender, XXXX, that I do not recognize. I did not receive satisfactory proof from O & L that they are representing a debt owed by me. I have sent them several letters and they have replied without addressing my direct questions. 

I learned that O & L Law has filed a civil case against me in the XXXX XXXX Florida court. 

I have also suffered things that I have learned are violations of the law, such as having one of the debt collector calling a colleague of mine and stating that they were looking for me for a debt. I understand this is a violation in Florida. The other issue is that this shows as two separate debts on my credit report, when it should old be one. That has affected my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Your bureau 's failure to comply with the Fair Credit Reporting Act ( FCRA ) has been noted. I demand immediate correction of inaccuracies in my credit report to adhere to federal law. 

Failure to rectify these violations promptly will result in legal action. I expect immediate compliance with FCRA regulations.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Your bureau 's failure to comply with the Fair Credit Reporting Act ( FCRA ) has been noted. I demand immediate correction of inaccuracies in my credit report to adhere to federal law. 

Failure to rectify these violations promptly will result in legal action. I expect immediate compliance with FCRA regulations.

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 2024-04-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed I have XXXX late payments posted to my account that I was never late for.The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with XXXX  accuracy according to 15USC 1681e.I never been late on this account I provided and also attached a screenshot inside this complaint with dates ( XXXX ) .Please investigate and provide proof with statements showing these payments were late.If proof can not be provided i demand these payments be updated to paid on time as agreed as soon as possible as they should be due to the fact that I was never late. 

Can you also make sure its XXXX name on my account as ( XXXX XXXX XXXX ) any other name is not me so anything linked to XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX, XXXX XXXX is not me.Thank you! Please do not disregard the screenshot attached My only adress is XXXX XXXX XXXX, XXXX XXXX any other adress on my account is not me and you will be held accountable for inaccurate reporting by law which I know good. These following addresses donot belong to me ( XXXX XXXX XXXX, XXXX XXXX  ) ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX, XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX belong to me please erase these addresses as soon as possible, thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: GA

Complaint narrative:
NAME : XXXX XXXX XX/XX/year> ADDRESS : XXXX XXXX CT, XXXX, GA XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT IS INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND MY FAMILY AND I HAVE BEEN FACING FINANCIAL HARDSHIP.

ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS. 


THERE IS NO SUCH LAW THAT STATES ANYTHING THAT NEEDS TO BE REPORTED TO A CONSUMER REPORTING AGENCY. THEREFORE, YOUR ORGANIZATION IS LIABLE. 

PURSUANT TO 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 

15 USC 1681E ( b ) Accuracy of report 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. 

THIS IS ALSO VIOLATING THE IRS CODE FOR DISCHARGED AND CHARGE OFF DEBTS. ONCE THE DEBT IS IN THE CHARGE OFF STATUS IT AUTOMATICALLY BECOMES INCOME FOR THE CONSUMER AND IT IS UNLAWFUL TO REPORT INCOME TO CONSUMER REPORTS. 

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY. 

I AM DEMANDING YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAIL OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETER THE TRANSACTION TOOK PLACE OR NOT. 

PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND THE DELETION OF THE FOLLOWING ; XXXX CREDIT XXXX BANK XXXX XXXX. XXXX BANK XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX THANK YOU FOR YOUR COOPERATION. 

SINCERELY, 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 2024-04-05 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: VA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.

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 2024-04-05 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-05 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have requested, now, XXXX need-to-contact letters from the fraud department. The letters are mysteriously not arriving in the mail. I can prove this using XXXX informed delivery service. The third one is apparently still in the mail system but I won't hold my breath. Citi is malicious and inept. They refuse to unfreeze my account due to a suspicious transaction ; me attempting to get money out of my account by writing a check from my old name to my new name on XX/XX/year>. I have since proven that my new name is indeed me, yet they refuse to unfreeze the account. The entire system is XXXX and citi bank is profiting off freezing {$25000.00} in a checking account that earns XXXX interest, preventing me from transferring it to my savings account which earns 4.35 % interest. Citi should be punished for how they have treated me. I have proven through activating my debit card that I received in the mail that I live at my address. I have proven I know the PIN when calling the fraud department. I have provided my account numbers, my social security number, my driver license number, verified my full name, verified my credit and debit card numbers. I have proven to Citi I have access to my phone number. I have proven to Citi I have access to the Citibank app on my phone. Citi has frozen my account and made it impossible for me to pay rent for both XXXX and XXXX. They are a malicious company.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-05 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: CA

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-05 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
My bank account and social security number were leaked by Idaho XXXX XXXX during a data breach on Monday XX/XX/XXXX by hacker group Sieged Security. Due to the breach, I had to request a new checking account through XXXX ( who I bank with ). In the meantime, Discover tried to request my autopay for my credit card on the old account. Of course, this bounced and I was charged a fee which was never waived. I called Discover about this and gave them the new account information and explained the situation but they did not do anything about the fee. At the same time, we setup AutoPay again using my new account. 62 days have passed since that time and now I was charged a late fee and my account was reported delinquent to the credit bureaus even though the previous again assured me that AutoPay with my new account details were setup. I have now made the necessary payment to bring my account up to date, however, I am requesting assistance from the CFPB to have Discover remove the derogatory remark since it was due to their employee 's failure to properly re-enable AutoPay following my extenuating circumstances from the data breach.

Company response to consumer: Closed with explanation