vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation.

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 2024-04-26 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: IL

Complaint narrative:
Please promptly remove the public record currently appearing on my credit report. I have provided supporting documents for my request and appreciate your swift attention to 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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-26 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:
Ive mailed in two dispute letters within 60 days to Experian in regards to the accounts below and about deleting the XXXX XXXX off of my credit report as well, by phone and 2 letters. 

XXXX XXXX XXXX  XXXX Original creditor : XXXX XXXX Has been deleted by XXXX and XXXX/Information was unverifiable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Requested documents verifying this debt for the second time within 60 days and debt has not been be removed and is affecting my ability to get approved for other credit and house -XXXX XXXX XXXX Original creditor : XXXX  Requested documents verifying this debt for the second time within 60 days and debt has not been be removed and is affecting my ability to get approved for other credit and house -XXXX XXXX This is an unverifiable closed account by s thats been disputed twice within t he last 60 days and remains on my report affecting my credit XXXX XXXX XXXX XXXX, TX XXXX- This is not my address nor have I ever stayed here and would like this confusing information removed immediately. 


All of he above accounts are reporting late payments every month which is effecting my credit even more. 

Please provide documents or physical evidence of debt and remove unknown address within 30 days.

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 2024-04-26 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: TX

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had 2 loan balance transfers owing to Citi Cards. One was known as Balance Transfer 6 and one known as balance transfer 7. I called Citi Cards on XX/XX/2024 and was told the amount owing on Balance Transfer 6 was {$2300.00}. That that loan balance had a 0 % interest rate which was going to increase to 24.24 % on XX/XX/2024. I wanted to avoid the high rate and pay it off. I gave them my checking account information and they took the {$2300.00} payment. 
I got my XX/XX/2024 credit card statement and the loan balance was NOT paid off. They applied it to Balance Transfer 7 saying by " law '' that the # 7 loan was the higher rate at the time and they had to apply it that way. They said wait a day or 2 until after the rate jumps to 24.24 % and call to pay it. 
So since the rate was to change on XX/XX/XXXX, I called again on XX/XX/2024 and confirmed the rate was now 24.24 %. I asked for the balance and was told it's {$2300.00} and to pay it off I needed to pay the balance, plus the Minimum payment of {$190.00} for a total of {$2500.00}. To be certain it gets paid in full I made a payment of {$2600.00}. 
I got My XX/XX/XXXX statement and the loan # 6 balance is still there at 24.24 %. 
I spoke to a Account Supervisor who agreed that the payment should be reversed and the interest refunded. I was promised a call back in 4 days and never got the call. 
I called today XX/XX/2024 and balance transfer # 6 is still there at 24.24 %. 
So I tried to pay it off twice. I am now being charged 24.24 % when I should not be owing anything on that balance since 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 monetary relief
Consumer complaint received 2024-04-26 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: FL

Complaint narrative:
I am filing this complaint personally. Upon reviewing my credit report, I noticed instances of late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I respectfully request your assistance in addressing 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 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
Hello : I have contacted Google several times to ask for a reucurring charge to be stopped. They have not been able to assist me, and there are still recurring charges coming from my account. I would like to stop or cancel this charge

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 2024-04-26 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: AZ

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-26 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: NC

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-04-26 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: NC

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-04-26 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: FL

Complaint narrative:
Upon reviewing my credit report, I've noticed unfamiliar items that seem to indicate potential identity theft, as I did not authorize these accounts. This issue has been previously discussed, and I am now requesting expedited removal of these accounts from my report. Their presence is causing considerable stress as they do not accurately reflect my credit history or financial responsibility. Dealing with this situation has been challenging, and if a resolution can not be reached, I am prepared to pursue legal action to safeguard my rights and find a resolution. These inaccuracies are significantly hindering my ability to achieve important financial milestones, such as purchasing a home and supporting my family. I sincerely hope for a swift resolution to 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 2024-04-26 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: MO

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e .

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are [ describe the remarks in detail, including any inaccuracies or misleading information ]. 

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within [ specify a reasonable timeframe, such as 3 days ] from the date of this letter. 

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

account-XXXX XXXXXXXX  XXXX Update status on dates followed to current status. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks 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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE PLEADED WITH SECU TO PROVIDE ME WITH A 1099C FORM AND/OR CANCELLATION OF DEBT FORM.THIS CREDITOR HAS WRITTEN OFF THE ACCOUNT AND HAS NOT PROVIDED THE MANDATORY 1099C FORM, PER IRS . NOT ONLY IS THIS COMPANY REPORTING INCOME AS DEBT, BUT ADDING LATE PAYMENTS ON A CHARGED-OFF ACCOUNT AS OF XX/XX/24. 

REPORTING TAXABLE INCOME AS DEBT AND LATE PAYMENTS IS IN VIOLATION OF 15 USC 1681E ( B ). THIS COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CREDIT REPORT.

FURTHER REPORTING THIS INACCURATE INFORMATION AFTER WRITING THIS ACCOUNT OFF WITHOUT MY WRITTEN PERMISSION IS IN VIOLATION OF 15 USC 1681B. I AM LEGALLY SEEKING MONETARY IF NOT RESOLVED WITHIN THE NEXT 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: NC

Complaint narrative:
I HAVE PLEADED WITH SECU TO PROVIDE ME WITH A 1099C FORM AND/OR CANCELLATION OF DEBT FORM.THIS CREDITOR HAS WRITTEN OFF THE ACCOUNT AND HAS NOT PROVIDED THE MANDATORY 1099C FORM, PER IRS . NOT ONLY IS THIS COMPANY REPORTING INCOME AS DEBT, BUT ADDING LATE PAYMENTS ON A CHARGED-OFF ACCOUNT AS OF XX/XX/24. 

REPORTING TAXABLE INCOME AS DEBT AND LATE PAYMENTS IS IN VIOLATION OF 15 USC 1681E ( B ). THIS COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CREDIT REPORT.

FURTHER REPORTING THIS INACCURATE INFORMATION AFTER WRITING THIS ACCOUNT OFF WITHOUT MY WRITTEN PERMISSION IS IN VIOLATION OF 15 USC 1681B. I AM LEGALLY SEEKING MONETARY IF NOT RESOLVED WITHIN THE NEXT 30 DAYS

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 2024-04-26 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: NC

Complaint narrative:
XX/XX/2023 I sent written instructions expressing my decision to opt out of having XXXX/DEPT OF ED reporting on my consumer report. I no longer want the experiences and transactions between XXXX/DEPT OF ED and I reporting on my consumer report. Transunion, XXXX, and XXXX  are unaffiliated third parties to XXXXDEPT OF ED. Transunion, XXXX, and XXXX have no right to post incomplete information furnished by XXXXDEPT OF ED that I have previously disputed.

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 2024-04-26 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:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TRANS UNION ATTEMPTED TO STATE THAT THE DOCUMENTS I SENT TO THEM DID NOT COME FROM ME BUT CAME FROM A THIRD PARTY. HOWEVER THAT ASSUMPTION WAS WRONG AND INCORRECT. ALL DOCUMENTS SENT VIA US MAIL AND ONLINE COMPLIANT FROM CFPB WAS DID BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: MO

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e .

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are [ describe the remarks in detail, including any inaccuracies or misleading information ].

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within [ specify a reasonable timeframe, such as 3 days ] from the date of this letter.

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA.

account-XXXX XXXX  XXXX Update status on dates followed to current status. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: GA

Complaint narrative:
XXXX XXXX is reporting inaccurate balance and reporting inaccurate credit history. I have already called to request them to update but no response.

Company response to consumer: Closed with non-monetary relief