vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: CO

Complaint narrative:
XXXX XXXX XXXXXXXX incorrectly reported a 30 day late payment in XXXX, but it was there mistake and not on my account. They have reversed the issue on their side so that it shows my account was always paid on time and never late. The bank has also sent in ( several times ) the corrected information to the reporting agencies, but this has never been removed.

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 2024-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: GA

Complaint narrative:
Ive been off work due to job injury. I spoke to the mortgage company and explained my situation. Ive been off work for three years but was still making my payments on the regular. In XXXX I notified the homeowner warranty company that my pipes burst..I notified the mortgage company also. I had to come out of pocket to make those repairs. The mortgage company has representatives there thats not efficient or reliable to know their jobs. Ive been communicating with them because of the water situation and the leak issues from the air conditioning system. So being that I was on workmen compensation I applied for a modification with the mortgage comp. Since XXXX and I feel as if I am getting the runaround. So I couldnt use the workmen comp income so I kept applying. Now my home is subject for foreclosure and every payment I sent to the it was sent back to me but they were able to keep one payment in XXXX. So I was told that Im 8 payments behind but Im 7 payments. In the meantime I was told by a representative that I was up for foreclosure and my house will be sold if Im not approved again or pay the amount due. But the problem is I cant get a total amount that I need to pay. I really do think that this mortgage company is not trying to help me out with modification. Everytime I send payments they are returned..I think that Im getting the runaround with my mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: NV

Complaint narrative:
There is a fraudulent account which opened by unauthorized unknown person several years ago. I've tried to contact XXXX XXXX XXXX and credit bureau agencies to remove from my credit report. However it did not work that way. 
I was so frustrated because even though I paid {$XXXX} of balance to resolve this matter it still appears on my credit file. This is clearly a identity theft crimes and I hope this will work for 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 2024-10-02 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: EQUIFAX, INC.
State: AE

Complaint narrative:
Hello my name is XXXX XXXX is was showing on my report some fraudulent accounts that are reporting closed with no balance and one account with an balance along with inquires and an address. I am currently in the XXXX XXXX and this is taking a toll on my career and character. I am asking that these following accounts that are coming back as verified gets removed. I never decided or gave any permission to any family or friends in my country to open such accounts or to apply for any such fraudulent activities in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-02 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: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
XXXX XXXX XXXX charges {$XXXX} each month you are late on payments. I paid below the minimum every month thats all I could afford and they still charge me late fees of {$XXXX} each time for XXXX months for total {$XXXX}. The card is now closed but I want to have the late fees removed. I believe that XXXX is violating federal law guidance on the charging of late fees as it pertains to the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ). Please assist me in recovering these fees and holding them accountable for blatant and illegal practices :

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 2024-10-02 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: VA

Complaint narrative:
I am writing to bring to your attention the ongoing issues I've encountered with the inaccurate reporting of my personal information and inquiries by the XXXX major credit bureausXXXX  XXXX, and TransUnion. Specifically, my credit reports reflect incorrect or outdated names, addresses, and employment history. These inaccuracies not only misrepresent my personal data but also have the potential to negatively impact my credit standing and financial reputation. 
Despite my efforts to correct these errors directly with the credit bureaus, they persist in reporting incorrect variations of my name, addresses where I have never resided, and outdated or inaccurate employment details. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus maintain accurate and up-to-date information. The continual failure to rectify these errors suggests a lack of proper investigation and due diligence on the part of the credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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:
I am writing to formally express my deep concern regarding the unresolved inaccuracies on my credit report, which I have previously disputed on multiple occasions. Despite my consistent efforts to request a thorough investigation, the inaccuracies remain uncorrected, and I have yet to receive any resolution or corrective action. 

These erroneous accounts are significantly damaging my credit file and have created substantial obstacles in my daily life. The negative impact on my financial well-being has caused undue hardship, and I am left with no choice but to urgently request your assistance in rectifying this situation. 

I kindly request that a thorough investigation be conducted into each of the disputed accounts, and that the necessary steps be taken to update and correct my credit report without further delay. Restoring the accuracy of my credit file is imperative, and I hope your team will give this matter the attention it deserves. 

Your prompt cooperation in resolving this issue would be greatly appreciated. I trust that, with your help, I can restore the integrity of my credit report and regain control over my financial stability. 

Thank you for your understanding and swift action in addressing 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 2024-10-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
There is a fraudulent account which opened by unauthorized unknown person several years ago. I've tried to contact XXXX XXXX XXXX and credit bureau agencies to remove from my credit report. However it did not work that way. 
I was so frustrated because even though I paid {$XXXX} of balance to resolve this matter it still appears on my credit file. This is clearly a identity theft crimes and I hope this will work for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau po box 27170 Washington, D.C. 20529-7170 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion Consumer Solutions concerning an inaccurate late payment entry on my credit report that remains unresolved despite my efforts to correct the issue. 

Account Information : - Creditor 's Name : XXXX  XXXX - Account Number : XXXX - Date of Late Payment : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion regarding a reported late payment. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ), explaining that the late payment entry is inaccurate for the following reasons : 1. I have autopay set up for this account, and my payment was processed on time. 
2. There may have been a clerical error by the credit bureau. 

Despite providing this information and following the dispute process as outlined in the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and overall financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies comply with the Fair Credit Reporting Act and the Truth in Lending Act. If the inaccuracies can not be verified, I request that my credit report be updated accordingly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-10-02 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion Consumer Solutions concerning an inaccurate late payment entry on my credit report that remains unresolved despite my efforts to correct the issue. 

Account Information : - Creditor 's Name : XXXX  XXXX - Account Number : XXXX - Date of Late Payment : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion regarding a reported late payment. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ), explaining that the late payment entry is inaccurate for the following reasons : 1. I have autopay set up for this account, and my payment was processed on time. 
2. There may have been a clerical error by the credit bureau. 

Despite providing this information and following the dispute process as outlined in the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and overall financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies comply with the Fair Credit Reporting Act and the Truth in Lending Act. If the inaccuracies can not be verified, I request that my credit report be updated accordingly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-10-02 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: DC

Complaint narrative:
On XX/XX/XXXX I was charged a return payment fee for {$29.00}. I don't agree with this return payment fee because XXXX XXXX received the statement balance payment in full and on time for that month on the due date. They would not remove this return payment fee so I closed my account out of frustration with being treated unfairly after having flawless payment history with them for nearly XXXX XXXX. I don't think I should be responsible for this fee because no payment was actually returned and they received the full payment. 

There was {$22.00} left in rewards dollars for the next statement on XX/XX/XXXX which was applied on the statement with {$0.00} in interest leaving {$6.00} balance left. I did not pay this remaining balance because they received most of their invalid return payment fee money from my rewards balance, so I erroneously assumed this small balance wouldn't be a problem. 

This {$6.00} balance ultimately caused XXXXXXXX XXXX past due negative marks on my credit score and late fees adding up to {$52.00} on the XX/XX/XXXX statement. I contacted XXXX XXXX about this and they removed the balance but would not remove this XXXX XXXX past due negative mark on my credit score that reduced it by almost XXXX points, claiming this is an accurate reporting of the account to the credit bureaus ( see attached letter ). I disagree with this conclusion and I don't think it's fair that {$7.00} reduced my credit score by this much, especially when there should not have been a balance to begin with. This is a problem caused by XXXX XXXX and unfair treatment of a customer. If you review my credit history, this is the only time in almost XXXX XXXX that there has ever been a problem and I think that needs to also be considered in this case. If this was a mistake on my part I don't think I should have to pay this dearly for {$7.00}. I have attached the statements for this narrative. 

In conclusion, I think the XXXXXXXX XXXX past due negative mark needs to be removed from my credit score ASAP.

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 2024-10-02 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: DC

Complaint narrative:
On XX/XX/XXXX I was charged a return payment fee for {$29.00}. I don't agree with this return payment fee because XXXX XXXX received the statement balance payment in full and on time for that month on the due date. They would not remove this return payment fee so I closed my account out of frustration with being treated unfairly after having flawless payment history with them for nearly XXXX XXXX. I don't think I should be responsible for this fee because no payment was actually returned and they received the full payment. 

There was {$22.00} left in rewards dollars for the next statement on XX/XX/XXXX which was applied on the statement with {$0.00} in interest leaving {$6.00} balance left. I did not pay this remaining balance because they received most of their invalid return payment fee money from my rewards balance, so I erroneously assumed this small balance wouldn't be a problem. 

This {$6.00} balance ultimately caused XXXX XXXX past due negative marks on my credit score and late fees adding up to {$52.00} on the XX/XX/XXXX statement. I contacted XXXX XXXX about this and they removed the balance but would not remove this XXXX XXXX past due negative mark on my credit score that reduced it by almost XXXX points, claiming this is an accurate reporting of the account to the credit bureaus ( see attached letter ). I disagree with this conclusion and I don't think it's fair that {$7.00} reduced my credit score by this much, especially when there should not have been a balance to begin with. This is a problem caused by XXXX XXXX and unfair treatment of a customer. If you review my credit history, this is the only time in almost XXXX XXXX that there has ever been a problem and I think that needs to also be considered in this case. If this was a mistake on my part I don't think I should have to pay this dearly for {$7.00}. I have attached the statements for this narrative. 

In conclusion, I think the XXXXXXXX XXXX past due negative mark needs to be removed from my credit score ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX I was charged a return payment fee for {$29.00}. I don't agree with this return payment fee because XXXX XXXX received the statement balance payment in full and on time for that month on the due date. They would not remove this return payment fee so I closed my account out of frustration with being treated unfairly after having flawless payment history with them for nearly XXXX XXXX. I don't think I should be responsible for this fee because no payment was actually returned and they received the full payment. 

There was {$22.00} left in rewards dollars for the next statement on XX/XX/XXXX which was applied on the statement with {$0.00} in interest leaving {$6.00} balance left. I did not pay this remaining balance because they received most of their invalid return payment fee money from my rewards balance, so I erroneously assumed this small balance wouldn't be a problem. 

This {$6.00} balance ultimately caused XXXX XXXX past due negative marks on my credit score and late fees adding up to {$52.00} on the XX/XX/XXXX statement. I contacted XXXX XXXX about this and they removed the balance but would not remove this XXXX XXXX past due negative mark on my credit score that reduced it by almost XXXX points, claiming this is an accurate reporting of the account to the credit bureaus ( see attached letter ). I disagree with this conclusion and I don't think it's fair that {$7.00} reduced my credit score by this much, especially when there should not have been a balance to begin with. This is a problem caused by XXXX XXXX and unfair treatment of a customer. If you review my credit history, this is the only time in almost XXXX XXXX that there has ever been a problem and I think that needs to also be considered in this case. If this was a mistake on my part I don't think I should have to pay this dearly for {$7.00}. I have attached the statements for this narrative. 

In conclusion, I think the XXXX XXXX past due negative mark needs to be removed from my credit score ASAP.

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