vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 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: GA

Complaint narrative:
I had a credit card with XXXX XXXX XXXX in XXXX they gave me a line of credit for XXXX XXXXXXXX in about 2 years I lost my job and was running behind on my payment which by then I only owed {$2800.00} in the card. After missing the 2nd missed payment they placed a hold on the card and when my tax refund was received into my checking account. XXXX XXXX Garnished the {$2800.00} from my checking account to resolve the credit card balance and closed the account. A few months ago I received a letter from XXXX XXXX XXXX XXXX requesting payment for a balance of {$20000.00} to resolve XXXX XXXX XXXX XXXX account. 

I went to a XXXX XXXX XXXX and they could not pull any account information back from XXXX due to their new system and could not go that far back into their history to provide any additional information concerning these charges. 

I am formally disputing this billing error in accordance with the Fair Credit Billing Act ( 15 USB 1666b ) Account # XXXX XXXX XXXX XXXX XXXX and requesting that It be investigated and removed from my credit report. 

I do not have any financial obligation toward XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. Thank you for your prompt attention toward this matter. I expect a written confirmation and the result 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 non-monetary relief
Consumer complaint received 2024-04-25 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:
I had a credit card with XXXX XXXX XXXX in 2017 they gave me a line of credit for XXXX XXXXXXXX in about 2 years I lost my job and was running behind on my payment which by then I only owed {$2800.00} in the card. After missing the 2nd missed payment they placed a hold on the card and when my tax refund was received into my checking account. XXXX XXXX Garnished the {$2800.00} from my checking account to resolve the credit card balance and closed the account. A few months ago I received a letter from XXXX XXXX XXXX XXXX requesting payment for a balance of {$20000.00} to resolve XXXX XXXX XXXX XXXX account. 

I went to a XXXX XXXX XXXX and they could not pull any account information back from 2017 due to their new system and could not go that far back into their history to provide any additional information concerning these charges. 

I am formally disputing this billing error in accordance with the Fair Credit Billing Act ( 15 USB 1666b ) Account # XXXX XXXX XXXX XXXX XXXX and requesting that It be investigated and removed from my credit report. 

I do not have any financial obligation toward XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. Thank you for your prompt attention toward this matter. I expect a written confirmation and the result within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: GA

Complaint narrative:
I had a credit card with XXXX XXXX XXXX in XXXX they gave me a line of credit for XXXX XXXX in about 2 years I lost my job and was running behind on my payment which by then I only owed {$2800.00} in the card. After missing the 2nd missed payment they placed a hold on the card and when my tax refund was received into my checking account. XXXX XXXX Garnished the {$2800.00} from my checking account to resolve the credit card balance and closed the account. A few months ago I received a letter from XXXX XXXX XXXX XXXX requesting payment for a balance of {$20000.00} to resolve XXXX XXXX XXXX XXXX account. 

I went to a XXXX XXXX XXXX and they could not pull any account information back from XXXX due to their new system and could not go that far back into their history to provide any additional information concerning these charges. 

I am formally disputing this billing error in accordance with the Fair Credit Billing Act ( 15 USB 1666b ) Account # XXXX XXXX XXXX XXXX XXXX and requesting that It be investigated and removed from my credit report. 

I do not have any financial obligation toward XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. Thank you for your prompt attention toward this matter. I expect a written confirmation and the result 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 non-monetary relief
Consumer complaint received 2024-04-25 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: MA

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX 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 non-monetary relief
Consumer complaint received 2024-04-25 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
In a perplexing turn of events, I discovered unauthorized inquiries attributed to Chex Systems littering my credit report, tarnishing its once pristine state. These unwarranted entries, like blemishes on an otherwise flawless canvas, spoke of a narrative I had no part in. Moreover, the manner in which Chex Systems reported my financial history was riddled with inaccuracies, painting a distorted picture of my creditworthiness. Fueled by a sense of injustice, I embarked on a rigorous dispute process, invoking the protective shield of the Fair Credit Reporting Act 's 15 U.S. Code 1681e ( b ) clause, which mandates the accuracy of credit reports. With meticulous attention to detail and unwavering determination, I demand the removal of these erroneous entries, seeking to restore the integrity of my credit profile and uphold my rights as a consumer.

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 2024-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: MO

Complaint narrative:
I haven't received any itemized bill or call or notification about debt the company unwilling to give information as well.

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 2024-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
Hello, I was advised that XXXX XXXX XXXX  needed to be consolidated and I would need my XXXX tax return. However, my XXXX taxes have been filed, but i have not received any correspondence at this time. Therefore, if not received soon, I will miss the XX/XX/XXXX deadline. I read, I can submit this as a complaint until I receive it. Can you please suggest any other alternatives to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: PA

Complaint narrative:
FCRA 605B, I think, requires us to eliminate any incorrect accounts from my credit report. Could you review the documents, please? Some of the accounts listed are inaccurately reported in terms of reporting, amounts, and dates.

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 2024-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have always made sure that payments on this account are made on time, avoiding any overdue payments. I am not sure why there are reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error should be corrected.

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 2024-04-25 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: NC

Complaint narrative:
I believe that FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Can you review the documents? Some of the listed accounts contain inaccuracies in terms of reporting, including incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: MA

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 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2024-04-25 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: WA

Complaint narrative:
Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: MD

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX - XXXX XXXX XXXX ( XXXX ) Account Number : 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 2024-04-25 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: MD

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX - XXXX XXXX XXXX ( XXXX ) Account Number : 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 explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The company is Experian and My Experian account got locked due to failed password attempts, so it gave me a phone number to unlock my account, however, whenever I tried calling it kept giving me options that weren't even related to locked accounts and whenever I keep repeating to talk with a representative, the auto message always say there isn't anyone available, and I tried calling different hours and different days. Its frustrating and I can't even delete my account now since it is locked. The image I provided shows the various Experian numbers I've attempted to reach out and received no response.

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 2024-04-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
On XX/XX/24 XXXX purchases a {$100.00} Vanilla Visa card from XXXX. I received activation receipt and have full receipt which I am attaching. I called XXXX as my card was declined multiple times. I was told there was some sort of activation issue even though I have activation receipt as documentation. I requested a case be created and this card be appropriately activated and I was declined for both. I am attaching front of card + receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: GA

Complaint narrative:
I am writing to address a matter of utmost concern to EQUIFAX regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that XXXX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: GA

Complaint narrative:
I, the consumer, never gave Experian written permission or consent to furnish my information or obtain my information. I've sent multiple opt out notices that Experian has ignored. Please see the attached documents.

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 2024-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I currently own in a condo building on the XXXX XXXX XXXX. I am being charged over $ XXXX for XXXX insurance purchased by my mortgage company because they say they have no record of receiving the copy of the policy. I have sent the information XXXX times using different process. Most recently I was told my policy has to name them as beneficiary. This policy is purchased by our association for the entire building. I own several condos and normally send this info every year and it's not an issue but with this company they won't accept the insurance that is active. An increase of $ XXXX a month in my mortgage us substantial and it seems they won't stop charging me. This has gone on for over a year. 
They also are forcing me to let them hold escrow. I own 60 % of my mortgage and have never been late with a payment. This company fails to pay my insurance bills. My XXXX policy was canceled and I had to swiftly pay it to get it reinstated. They should have paid that policy in a timely manner. I honestly would just pay off this mortgage but I can't without a penalty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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