vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
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 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 I am writing to dispute several inquiries that have appeared on my credit report. As a responsible consumer, I am diligent about monitoring my credit report and ensuring that all the information reported is accurate. However, upon reviewing my report, I have noticed several inquiries that I do not recognize and did not authorize.

The unauthorized inquiries on my credit report have caused me significant concern as they could negatively impact my credit score and overall financial wellbeing. I have not applied for any credit or authorized any inquiries that would result in these entries on my report.

I have already contacted the credit bureaus to dispute these inquiries, but I have not received a satisfactory resolution. Therefore, I am seeking your assistance in resolving this issue and ensuring that my credit report accurately reflects my credit history.

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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been DISPUTED multiple times and it remains DISPUTED and it will forever remain DISPUTED. Every Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX have Willfully, maliciously, knowingly, negligently, deliberately, purposely, wantonly, intentionally, and incompetently violated the Fair Credit Reporting Act ( FCRA ) and Metro 2 protocols by failing to permanently mark my account as DISPUTED as clearly required by the FCRA and Metro 2. I demand {$1000.00} in statutory damages against every CRA and Furnisher for every day my credit file has not been reported as Disputed. The record is clear that I have bona fide disputes which have been admitted by every CRA and Furnisher. Moreover, XXXX XXXX Senior Vice President in charge of credit cards, XXXXXXXX XXXX has sent at least 4 personal letters to myself and the CFPB effectively admitting my disputes. Moreover, my Disputes have been escalated to the XXXX XXXX Chairman of the Board due to the obvious illegal conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me, also a couple inquiries. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 


XXXXXXXX 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 2023-04-02 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.
State: FL

Complaint narrative:
XXXX information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 3015 U.S. Code 1692e - False or misleading representations ) days of the completion of your re-investigation.

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 2023-04-02 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am disputing the late charge assessment and derogatory payment reporting on my account. A credit monitoring service indicates they have reported the account as delinquent. Below and attached is a history of payments made and credited. 

Due Date Date Paid Date credited Late charge assessed XXXX XXXX XXXX XXXX XXXX XXXX {$29.00} XX/XX/XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX {$42.00} I called the institution in XXXX  questioning the late charge assessment and was informed they would not be waived. Because of this I closed the account and paid off the remaining balance including the unfair lates charges of {$110.00} prior to the due date of the XXXX payment. I was accessed another late charge on that payment and continue to be assessed additional late charges each month. The last bill I received shows a delinquent balance of {$120.00} which is 3 late charges. Furthermore, and more importantly they have reported the account as delinquent due to these unjust charges.

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 2023-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I asked Ally for an escrow analysis on my mortgage account XXXX to be done as my escrow account had a massive surplus. In their recent analysis, they estimated my taxes as {$46000.00} so they could fraudulently keep more of my money in this high interest environment. This is despite the fact that they know full well my taxes are around {$32000.00}. Ally know this as they my paid my tax bill in XXXX XXXX XXXXXXXX for a total of {$31000.00} ( attached ). They gave me a {$4500.00} refund rather than {$15000.00} and they increased my mortgage payments {$500.00} so that by the end of XXXX my escrow balance will be over $ XXXX in excess again! Allow know full well my taxes can not increase form $ XXXX to $ XXXX, that a 50 % increase and that is not possible. Ally have done this to deliberately keep more money than required in the escrow 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
Consumer complaint received 2023-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I purchased a new home and closed with a lender in XX/XX/XXXX. At the time, I put 5 % down due to how much the home has appreciated since beginning the construction. Currently, the loan to value ratio is sitting at 72 % primarily due to the appreciation of the area. During closing, the bank 's appraisal came in at XXXX, however we owe XXXX. As a result, we requested US Bank ( who purchased the loan ) to remove the private mortgage insurance as we are well below the 80 % requirement. US Bank, despite having the appraisal on record from the bank they purchased the loan from, denied the removal. After being notified they are in violation of the Homeowners Protection Act of 1998, they stated " it is their policy ''. We submitted our request within the 90 days an appraisal is generally good for and will provide it to the CFPB upon request.

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 2023-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I received a statement in the mail last week stating that i had an outstanding balance for a purchase from XXXX XXXX XXXX that i made on XX/XX/XXXX. The purchase was paid off in XX/XX/XXXX. On XX/XX/XXXX I made efforts to reach out to the company. On every attempt that was made via telephone my calls were dropped. I then attempted to reach out via email. Each email was returned as not delivered. After doing further research i discovered that my personal account information was used for a purchase in XXXX XXXX, Louisiana on XX/XX/XXXX that i didnt authorize. My credit score has dropped due to the fraudulent activities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hello, this is a formal complaint that you are reporting inaccurate and incomplete information on my Credit Report. This is resulting in me not being able to qualify for a business loan and having higher interest rates. I am already dealing with financial hardship because I was laid off from work and XXXX XXXX. I dont need any more stress. Please investigate the following information. I have a bankruptcy record from your court appearing on my credit report. Ive disputed this item with XXXX, XXXX, and Transunion. XXXX and XXXX investigated, found the inaccuracies, and removed the bankruptcy record from my credit report. Transunion sent me a letter stating that they verified the record, and it is accurate. However, this cant be true because I was a victim of fraud so I froze all of my credit files ( including XXXX XXXX ). I also contacted the bankruptcy court and they sent me a letter stating that they DO NOT verify their records with any of the credit bureaus. 
I am going to attach the letter. I have disputed this record with Transunion several times asking them to provide the procedure which they used to verify the account with me and the only thing that they kept doing is sending me dispute result letters saying the record was verified, but not by who. Like Ive said before Ive contacted the courts and they dont verify public records, so I believe that my bankruptcy record was never verified in the first place. I have disputed this record 7 times starting from XX/XX/XXXX, to XX/XX/XXXX. The reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I am going to attach the letter from the court showing that they do not verify information with the credit bureaus. I am also attaching proof that the bankruptcy was deleted from XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2023-04-02 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: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are two hard inquiries on my Experian credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) There are two hard inquiries on my Experian credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) ( a ) It's not my as look at in the last two years with Experian mistakes on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX acct XXXX has been DISPUTED multiple times and it remains DISPUTED and it will forever remain DISPUTED. Every Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX have Willfully, maliciously, knowingly, negligently, deliberately, purposely, wantonly, intentionally, and incompetently violated the Fair Credit Reporting Act ( FCRA ) and Metro 2 protocols by failing to permanently mark my account as DISPUTED as clearly required by the FCRA and Metro 2. I demand {$1000.00} in statutory damages against every CRA and Furnisher for every day my credit file has not been reported as Disputed. The record is clear that I have bona fide disputes which have been admitted by every CRA and Furnisher. Moreover, XXXX XXXX, Senior Vice President in charge of credit cards, XXXXXXXX XXXX, has sent at least 4 personal letters to myself and the CFPB effectively admitting my disputes. Moreover, my Disputes have been escalated to the XXXX XXXX Chairman of the Board due to the obvious illegal conduct.

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 2023-04-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have multiple late payments on my account that are inaccurate and I tried resolving the issue with the reporting agencies in which they responded with " account verified ''. I was never provided a copy of how the account was verified and my report is still showing these inaccurate late payments for XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; and XXXX XXXX XXXX, XX/XX/XXXX. I have sent in multiple letters requesting that these late payments be removed because they are inaccurate and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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 ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: KY

Complaint narrative:
I had an account with XXXX XXXX  that ended in XXXX. It went to collections in XXXX and I received a notification from IC Systems about the debt. I believed the debt to be incorrect and therefore refused to pay it. In looking at my credit report, IC Systems is stating the debt went to collections in XXXX. This is incorrect and should have fallen off my credit report by now. IC Systems is refusing to correct the information and thus is harming my credit which is otherwise spotless. I would like this information updated and 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 explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Block, Inc.
State: CA

Complaint narrative:
I had 2 charges on my cash app card and both merchants I received no service from of product from XXXX requested to cancel both transaction to the merchant and o had forwarded that to cash app but cash app referring it as a unauthorized I never said it was unauthorized I said I never received order or service from both merchant and cash doesnt have the evidence to support their denial of my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent numerous letter 's to XXXX and XXXX XXXX about a collection account that is still showing on my credit report. I no longer have a collection with these XXXX companies and it's still showing up on my consumer report which is causing me personal and financial problems.

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