vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XXXX XXXX asked for information to be validated and verified, its been well over 45 days still no response, from TranUnion, XXXX, or XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


TransUnion LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

2. Validate Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XXXX XXXX asked for information to be validated and verified, its been well over 45 days still no response, from XXXX, XXXX, or Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

2. Validate Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MS

Complaint narrative:
I have been a DiscoverCard holder/member for 20 years with XXXX missed payments. However, I am now aware I've been charged recurring fees for the DiscoverCard Payment Protection Program since 2008. I did not willingly agree to pay for this product, nor did I agree to it. Therefore, the DiscoverCard Payment Protection Program was activated without my consent. 

The DiscoverCard Payment Protection Program is a XXXX XXXX  marketing practice worthy of federal XXXX charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
This is a continuation from a previous complaint XXXX. I have been trying for nearly XXXX  months to get my COVID relief foreberance ended and normal payments resumed. I am currently making a monthly payment of XXXX while they are " processing '' this deferral. I need this done ASAP so I can refinance this loan at a better interest rate with a lender who doesnt drag their feet for 7 months. XXXX  months is waaaay too long for this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 misstatements 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. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. 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 some accounts. All is being investigated by the FTC.

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 2022-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: CA

Complaint narrative:
To : Blue Trust Loan Loan Department Regarding : Loan # XXXX Account Status : Active {$970.00} of of XX/XX/2022 Note : Paid by direct withdrawal from my Bank Account at this time XXXX Payment every 2 weeks as thats my payroll XXXX for XXXX a month for 9 months See table below. Please advise Compliant : I spoke by phone, with a Blue Trust Loans Customer Representative. I was actually looking for a payday loan, when called I assumed payday loan, the Representative offered me, XXXX, said no, but then she said XXXX, and I thought I could use the extra money and payoff in few payments. I thought. This Representative did did not provide me information regarding the interest rates. I was shocked, these rates were much higher than I had seen elsewhere. After, I was approved and sign I received my loan documents per phone, and busy at work, was not until late that night I check my email for the documents. I did not receive clear information, check your recording. 
I was so shocked to see this, what I did for {$800.00} dollars. For the {$800.00} dollars I was scheduled to pay back for {$3500.00} for 9 months. 
Please see below : Schedule Due Date Principal Balance Payment Due Ending Principal XX/XX/2022 {$800.00} {$120.00} {$790.00} XX/XX/2022 {$790.00} {$200.00} {$790.00} XX/XX/2022 {$790.00} {$200.00} {$780.00} XX/XX/2022 {$780.00} {$200.00} {$770.00} XX/XX/2022 {$770.00} {$200.00} {$760.00} XX/XX/2022 {$760.00} {$200.00} {$750.00} XX/XX/2022 {$750.00} {$200.00} {$740.00} XX/XX/2022 {$740.00} {$200.00} {$720.00} XX/XX/2022 {$720.00} {$200.00} {$700.00} XX/XX/2022 {$700.00} {$200.00} {$670.00} XX/XX/2022 {$670.00} {$200.00} {$640.00} XX/XX/2022 {$640.00} {$200.00} {$590.00} XX/XX/2022 {$590.00} {$200.00} {$540.00} XX/XX/2022 {$540.00} {$200.00} {$470.00} XX/XX/2022 {$470.00} {$200.00} {$390.00} XX/XX/2022 {$390.00} {$200.00} {$290.00} XX/XX/2022 {$290.00} {$200.00} {$160.00} XX/XX/2022 {$160.00} {$200.00} {$0.00} I was thinking I could pay off in several payments not XXXX times a month for 9 months. The interest rates were unclear and not fully explained to me not explained by the Representative that the total would be about XXXX dollars 9 months. This is s nightmare. 
I am angry at myself for falling into this situation with Blue Trust, even angrier that this company is doing to do this to people. I am sure I am not the only one. I requesting an investigation into this Loan by your company, and after reading online reviews, my question are you able to do business in California? I do pay my debts, but this is unacceptable and unethical. 
I am also, filing a complaint to the California Better Business Bureau And XXXX Attorney XXXX XXXX Thank you, XXXX XXXX XXXX XXXX : XXXX XXXX Cc : California Better Business Bureau XXXX Attorney XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 misstatements 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. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. 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 some accounts. All is being investigated by the FTC.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 misstatements 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. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. 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 some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Dear team, I took a loan of rs XXXX from XXXX indibulls on XXXX XX/XX/XXXX. All XXXX  going regularly till XX/XX/XXXX. 
Now I received a call and offer mail ( attached same ) from XXXX for precloser that if loan will be preclose today than special discount and said for pay XXXX XXXX I paid XXXX and it will be precloser not settlement. I have paid this amount through online link. 
second day XXXX XXXX more demanded from me but I have not paid and My loan showing settled in cibil and dhani afraid me about cibil. 

I have paid all XXXX on time and paid advance than how loan could be settled this Arbitrary of company. 

Now company demanding Rs XXXX for correction cibil. 

Nodel and support also not helping me they saying only payment. 

I am unable to pay this amount because company made false promise with me. 

This is totally cheating and I clearly tell you foreclose my loan as per quotation. 
Request you please take necessary action against XXXX and help me. 

I am following thius case from XX/XX/XXXX but nobody ready to listen. 

All evidence attached the same.

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 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was charged too much interest on a {$18.00} balance. My interest rate is 21.99 %. I was supposed to be charged XXXX, a little under {$4.00}. My balance on XX/XX/22 was {$18.00}. I was charged two and a half times interest on a balance that was only {$18.00}. Apple/Goldman Sachs Bank is not giving me a clear explanation as to how they will rectify charging me double the interest rate for a {$18.00} balance. It is against the law to charge me double the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/2022 at XXXX, I received an email alert from my Direct Express debit card stating that they suspected fraudulent activity on my card and to respond Yes or No to a {$200.00} atm cash withdrawal at Comerica Bank XXXX XXXX , CA if I recognized it. I immediately responded NO and the alert stated the that the transaction was declined and my card was deactivated. I was out the country at the time of this fraudulent transaction and the debit card was in my possession the entire time. Upon my return to the states on XXXX XXXX, 2022, I checked my debit account and I realized that the {$200.00} withdrawal was in fact taken out of my account even though the email stated that the transaction was declined. I immediately called Direct Express and informed them of the situation. I was told they would look into it and get back to me. Two days later I was notified that my claim was denied because a physical debit card was present using my pin. Im pretty certain that Direct Express is fully aware of such thing as skimmers out there that fraudulently take peoples money. This is my XXXX money and only source of income. Its not right of them to deny my claim when I was out of the country and did NOT authorize this transaction nor was the card physically present at the ATM because it was with me in XXXX from XX/XX/XXXX to XXXX XXXX,2022. Its no wonder why they are in a legal class action lawsuit given this type of fraud happening with their debit cards. Why cant they check with Comericas ATM surveillance to see if it was me? This is theft and I want my funds returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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