vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2024-04-13 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I have an old account with Citi Bank that is a charge off account on my credit report. They told me that if I wanted the balance to be reported as a XXXX balance that I had to mail in a check to them at their company XXXX XXXX XXXX wait XXXX business days for them to update the balance on the account. I mailed Citi Bank {$1000.00} on XX/XX/2024 and I paid the post office additional money to have them sign for the check, and for a tracking number so I can see when it was delivered. The check was delivered to their XXXX XXXX XXXX XX/XX/XXXX. It has now been XXXX business days and they are reporting that they received the check, but they don't know where the check is. This is extremely confusing. They have a team that is unorganized and unprofessional, there is a communication barrier and just a lack of concern for my situation. I have submitted an overwhelming amount of proof that I sent the payment in, they admitted it was delivered to their XXXX XXXX but they are still not updating the balance to XXXX dollars. I am in the process of buying a home and they are holding up the process and they have no sense of urgency to handle my concern no matter how many times I call. I have disputed this with XXXX multiple times and they have not addressed the situation correctly either and they are not considering the evidence I have presented to them. Citi Bank or XXXX as it shows up on my credit report has the money I sent for my past due balance but they are not updating my balance to XXXX and now they are saying the money is lost and I have to contact their money investigation department via fax instead of letting me speak to them on the phone or just letting me cancel the check and pay over the phone to get this over with. Citi bank has an outsourced customer service team that are in another country and the customer service experience is terrible. They are cold, harsh and unprofessional. I haven't seen any compassion or concern each time I called. It's like they know they are keeping my credit score from rising and intentionally stringing me along even though I paid the 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 monetary relief
Consumer complaint received 2024-04-13 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: FL

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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:
XXXX XXXX From : XXXX To : XXXX XXXX Fri, XXXX XXXX at XXXX XXXX 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 16815-2 ( A ) ( a ) 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.

Delate the ccounts below. 
Attach documents ( optional )

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 2024-04-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX From : XXXX To : XXXX XXXX Fri, XXXX XXXX at XXXX XXXX  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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 16815-2 ( A ) ( a ) 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. 
Delate the ccounts below. 
Attach documents ( optional )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 2024-04-13 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 2024-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to XXXX XXXX or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-04-13 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit 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 explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
My property taxes were not paid on time, in XXXX. I wasnt notified by my company why they werent paid, or that they hadnt been paid. When XXXX XXXX reached out in XXXX to let me know we were delinquent, I contacted Freedom Mortgage and provided documentation that the parcel number was correct as well as an itemized bill. I was told told it would be paid in XXXX business days. Then I received a text 4 days later saying it had been resolved. I called the company, and they confirmed they paid it. Because I didnt trust them, I called XXXX XXXX to confirm. XXXX XXXX said the bill had not been paid, nor had they been contacted by anyone in the company. When I called Freedom Mortgage again, they said the resolution was a mistake and they didnt know why the check hadnt been cut or sent XXXX weeks later. Now our property tax will be sent from the sheriffs office to the clerks office, and will be available for purchase by a third party in XXXX. My money is sitting in escrow, and I just want it paid to XXXX XXXX, and Freedom Mortgage needs to pay all fees accrued as it is their responsibility and job.

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 2024-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I rented apartment XXXX from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from XXXX of XXXX to XX/XX/XXXX. I turned in my keys XX/XX/XXXX. A few months later I got a notice ( see XXXX XXXX ) stating that I owed money on my balance. I phoned XXXX at XXXX XXXX  billing about the charges. There were a bunch of wrongful charges on the statement so I had them do an investigation ( see XXXX XXXX  ). I was told that I would receive a phone call from them once the investigation was completed. A few weeks later ( XX/XX/XXXX ) I had access to my moveout statement balance once they reversed some charges ( see XXXX XXXX  ) and was significantly different than the balance. I was never consulted about the mistakes and was never contacted other than the same email stating i owed some balance. Also attached to this statement is a copy of my lease. This is now an issue because it is negatively affecting my credit and if my current living situation changed, I would not be able to rent any housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: PA

Complaint narrative:
I request the removal of these inquiries. I'm unaware of the details, and the company proceeded without consulting 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 explanation
Consumer complaint received 2024-04-13 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: FL

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have been using PayPal to receive payments for my friends and family only and also paid some of them using the same platform. 
on XXXX XX/XX/year>, I traveled to XXXX XXXX with my family when I was there I needed more money for my trip I asked my friend XXXX to support me financially he gave me what I asked for. 
in those transactions XXXX XXXX ( XXXX ) with a value of ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) and when I received them PayPal put them on hold for a few hours after that PayPal refunded all of them. 
in those transactions XXXX XXXX ( XXXX ) with a value of ( XXXX USD ) - ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) - ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) - ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) - ( XXXX USD ) *All values between the stars after the PayPal fees This made me cancel the rest of the trip and return after only 4 days because I did not have enough money ( all documents that prove what I said it attached ) after PayPal refunded all funds they asked me to upload my ID to prove who I am after I uploaded my passport they blocked me from using my PayPal account held the balance ( XXXX USD ) on it and told me ( You can't use PayPal anymore ) - ( Reference ID : XXXX ) and told me if I need my balance I should wait 180 days for it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute the validity of the alleged debt associated with the account referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am demanding verification and validation of the following information : 1. The name of the original creditor of this account.

2. The amount of the alleged debt.

3. The methodology used to calculate the amount of the alleged debt. 

I am requesting this information within the statutory time frame provided by the FDCPA to ensure the accuracy and legitimacy of the debt being pursued. It is crucial to note that this request is solely for validation of the AMOUNT of the alleged debt in accordance with 15 USC 1692g ( a ) ( 1 ). 

Account Information : Account Name : XXXX Account Number : XXXX Account Type : XXXX  Card Date Opened : XX/XX/XXXX Status : Account charged XXXX, {$1100.00} written off Balance : {$0.00} ( as of XX/XX/XXXX ) Highest Balance : {$1100.00} Original Creditor : XXXX Payment History : Please refer to the attached payment history for further details. 

I request that you cease all collection activities until the requested information has been provided and the validity of the debt has been verified. Additionally, I demand that if you fail to provide the name of the original creditor as well as the other requested information, this account be removed from my consumer reports immediately.

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 2024-04-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an Amex gift card as a holiday gift from the XXXX at the school I XXXX at. I've tried the card a few times at several different websites including XXXX and XXXX with little success. Sometimes the payment goes through and then is rejected later. 

Here are some of the times the card was declined despite me supplying all the information requested from the online stores : XX/XX/year>, XXXX XXXX Declined - Missing security code - XXXX - XXXX - XXXX, IL {$34.00} XX/XX/year>, XXXX XXXX Declined - Missing security code - XXXX - XXXX - XXXX, IL {$25.00} XX/XX/year>, XXXX XXXX Declined - Missing security code - XXXX XXXX - XXXX - XXXX, WA {$300.00} XX/XX/year>, XXXX XXXX  Declined - Missing security code - XXXX XXXX - XXXX - XXXX, WA It's incredibly frustrating using the card and even more frustrating trying to get customer service ( from amex and from the stores ) to help me use it.

Company response to consumer: Closed with explanation