vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 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: GA

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction with the repeated failure to correct the late open accounts and remove the public record from my credit report. 

I have provided extensive documentation and evidence supporting the correction of the late open accounts and the removal of the public record, yet they continue to mar my credit history. This ongoing issue not only undermines my financial credibility but also hampers my ability to access credit and secure favorable financial terms. 

It is imperative that immediate action is taken to rectify this matter. I expect a thorough investigation into why these inaccuracies persist on my credit report despite multiple requests for correction. Additionally, I demand transparency regarding the steps being taken to address these issues and a clear timeline for their resolution. XXXX. XXXX XXXX XXXX Balance Owed : {$1000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX  XXXX XXXX Balance Owed : {$2100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX - The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.

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 2024-04-18 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: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
I am writing to dispute the validity of the alleged debt associated with the account referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ), I am previously requested that you cease all communication with me regarding this matter. 

Under the FDCPA, I have the right to request that you cease communication with me regarding this debt. I am exercising this right by way of this letter. Please consider this a formal request to cease all communication, both written and verbal, concerning the alleged debt. 

Furthermore, I demand that you remove all information related to this disputed debt from all three major credit reporting agencies : XXXX, XXXX, and XXXX. Continuing to report this disputed debt would constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Please be advised that failure to comply with this request will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under the FDCPA and FCRA. 

I expect your prompt attention to this matter and confirmation in writing that you have ceased all communication and have removed the disputed account from all credit reporting agencies within 14 days of receipt of this notice. 

Thank you for your cooperation in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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 2024-04-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Phone call to Experian began about me asking about why they had deleted a perfect rating from XXXX XXXX only to find out that I have to call and get XXXX to refill out a form to have it placed back on my experian account, even though it is Exp. mistake. I have then asked why a XXXXXXXX XXXX XXXXXXXX has not supplied me with Debt Validation letter from the company XXXX months ago and what I could do. On a recorded line from myself I asked if Exp. Could send me validation so I would have something to prove my dispute. She explained to me that a letter wasnt sent to Exp. Either and that the repeated validation from Exp. Was sent to them internally? With nothing from the company to relay I sent a letter to Exp. and XXXX XXXX XXXX describing that I have nothing to Dispute but what Exp. Is reporting. I feel that there are many consumer laws in place to protect me from this? Although through CFPB which is why Im reaching out to you says that XXXX ( XXXX ) XXXX ( c ) XXXX. So what I understand is everything that Im sending to correct my report can be validated by a person through Internal ) just validates information on my stolen identity. Also validation was given on XXXX credit cards for 8months that was proven to not be mine which from what I see now why it takes so long. It really discourages me that Exp. Really works like this. Exp. does exactly what debt collectors tell them to do and the consumers have no rights. Experian is a complete scam and all are in on taking money from Consumers. BTW. when I reached out to XXXXXXXX XXXX XXXXXXXX by phone they needed my Social Security Number to talk to me? I feel Bureaus are the ones to blame for everyones identity being stolen and I shall look into providing information in the future.

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 2024-04-18 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: NJ

Complaint narrative:
I am writing to express my profound dismay at the flagrant violation of credit reporting laws evident in the persistence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these erroneous entries remain unaddressed. 

Your failure to rectify these accounts, despite clear evidence of their fraudulent nature, represents a blatant disregard for the laws governing accurate reporting. It is apparent that the bureau is neglecting its duty to adequately investigate and rectify inaccuracies. 

Furthermore, other credit bureaus have already taken corrective action by removing these accounts from their records following the submission of an FTC report and thorough investigation. 

The following accounts require immediate action : XXXX  XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
XX/XX/2024 One main financial services has falsely using a fake loan company by asking for online bank account and routing number and password this person goes by the of XXXX XXXX is scamming customers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I am having an issue with being approved to send and receive maximum transfers from using my bank or credit union debit card using my Pay Pal account on the Pay Pal app, which I have a Pay Pal account and Pal Pay XXXX debit card : XXXX. I want to send and receive maximum transfers using my bank or credit union debit card using my Pay Pal account on the XXXX XXXX app. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX {$390.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I disputed with the company listed above that this account is fraudulent inquirie. i was told the account was verified and no proof was shown to me of how the account was verified.

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 2024-04-18 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: TX

Complaint narrative:
I recently looked at my credit report and noticed incorrect information on my report. 
The information youre reporting is inaccurate on my credit report. You are reporting a late payment for XXXX for XXXX, XXXX, XXXX and XXXX XXXX This is not true, I was never late on this account. Also, a late payment for XXXX is not correct either. 
I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes.

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 2024-04-18 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: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-18 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: MS

Complaint narrative:
I am writing to dispute the accuracy and legality of the information contained in my credit report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, I have not provided written consent for your agency to furnish my information to third parties or obtain my consumer information. 

Upon reviewing my credit report, I discovered that your agency has included information without my explicit consent. As per the FCRA, it is imperative that consumer reporting agencies obtain written consent from individuals before furnishing their information to third parties. I have not provided such consent, and therefore, the inclusion of this information in my credit report is in violation of my rights under the FCRA. 

I demand that your agency promptly investigate this matter and remove any information that was reported without my written consent. Additionally, I request that you provide me with documentation demonstrating that you obtained written consent from me to furnish my information to third parties, as required by law. 

Failure to comply with this request will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under the FCRA. 

I expect your prompt attention to this matter and confirmation in writing that you have taken appropriate action within 14 days of receipt of this letter. 

Thank you for your cooperation in resolving this dispute.

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 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I opened a new checking account with U.S. Bank so today I went into the branch and made it {$300.00} cash deposit. I downloaded the app that they have on available for the XXXX when I open the account two days ago so today after making the deposit I tried to send a XXXX payment for {$200.00}. The app kicked me out and then they disabled my online account no warning no email when I called customer service they told me that their securities and fraud team put a hold. But I can not speak to anyone in the securities fraud department. Any other bank will ask you to verify information. Confirm some information then remove freeze or alert. So I feel this is extremely poor and unprofessional customer service. U.S. Bank tries to say that they take security serious and I told them all banks do and that dont have the same problem with the larger banks like XXXX or XXXX XXXX XXXX Ive sent money many times via XXXX with XXXX XXXX. If theres any concern, then you can actually speak to someone in the securities and fraud department.

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 2024-04-18 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: CA

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 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 2024-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi card has called my in the last 7 days 32 times ( call logs and phone records to prove ) Ive asked them on two occasions to please not call like that then in the same phone call I asked not to contact me any further calling me. The lady then says well you owe a debt and you will pay. This has been going on for 3 months! So I went to your website and based on the debt collection law on this page a creditor may contact a debtor about a single debt up to 7 times in 7 days. Based on the law this creditor has violated my rights.

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 2024-04-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ensuring timely payments is a habit of mine. I am absolutely certain about this. What I find puzzling is why this company is labeling me late in certain months, which is unacceptable. USC 1666b states that any billing errors need to be fixed ; otherwise, they'll owe me {$1000.00} for each inaccurately reported 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 explanation