vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 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: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023XX/XX/year>

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 2024-09-05 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: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-05 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: NJ

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be removed as soon as possible. 
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 2024-09-05 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: NY

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-05 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: PR

Complaint narrative:
This is the third time I have written to you regarding the same account and I am still seeing the same problem. Please send me the method you used to investigate my dispute. If not, delete that account from my credit that is affecting 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 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/2024, I filed a complaint with the Consumer Financial Protection Bureau about Barclay Bank. Complaint # XXXX. 

Barclay responded to complaint # XXXX with a letter about the late payment that I referenced as incorrect. That late payment reporting error was corrected. 

On XX/XX/2024, Barclay again responded via CFPB. They stated my Barclay card was closed on XX/XX/2024. However, I never received the letters in the mail, only via the Consumer Financial Protection Bureau portal ( which I didnt see until today ). That is my mistake. However, it still should have been mailed to me as well. 

Since my Baclay card ending in XXXX was closed, I called Barclay to request that closed letter and my final statement, in which the close date of that statement was XX/XX/2024. However, I have yet to receive that final XX/XX/2024 statement in the mail as of XX/XX/2024. The statement due date is XX/XX/2024, as I verified this via a call to customer service. 

I made repeated requests via Barclay customer service phone number for a copy of my final statement so I can pay the bill immediately. Every Customer Service person I spoke to, including managers, refused to provide me with a copy of that statement and claimed the statement was mailed. 

I called Barclay on XX/XX/2024 requesting my close letter and final statement. They mailed a letter stating I had a balance of {$39.00} as of XX/XX/2024. Barclay sent only a letter stating I had balance on my account as of XX/XX/2024 and sent me a copy of my XX/XX/2024 statement. In addition, I received a duplicate letter stating I had a balance on my account. I did not request my XX/XX/2024 statement, I requested my XX/XX/2024statement so I can pay my final bill. I still have not received my final statement ending XX/XX/2024. 

I have multiple recordings of the calls since XX/XX/2024 where I requested a copy of my final statement and the closed account letter. Barclay sent only a letter stating I had balance on my account as of XX/XX/2024 and sent me a copy of my XX/XX/2024 statement. I did not request my XX/XX/2024 statement, I requested my XX/XX/2024 statement. 

They also refused to allow me to pay over the phone. When they transferred me to collections. My bill isnt due yet. They said they cant discuss anything with me. Why would I have to talk to their collection department if my final credit card bill isnt due yet? My account is not past due. I should not have to talk to collections if my bill is not past due. 

I am requesting my XX/XX/2024 statement to be sent to me via the Consumer Financial Protection Bureau portal since Barclay refuses to mail me the statement.

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 2024-09-05 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-05 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I was never mailed a bill from the original creditor. I only found out from looking at my credit report. This has affected my ability to acquire a loan as no notice was ever sent by the original creditor nor the debt collector, Transworld System Inc. 
I requested a debt validation since XX/XX/year> by certified mail and only now got a response via mail XX/XX/year> with only a bill of statement that shows my name and incomplete address with no further proof that the bill of {$1100.00} belongs to me. From the bill attached below sent by the 3rd party collector, the address doesnt have XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute inaccurate late payment reports on my credit file related to the following accounts : XXXX. XXXX XXXX XXXX : Account # XXXX Issue : Incorrect late payment reporting. 
XXXX. XXXX XXXX XXXX : Account # XXXX Issue : Incorrect late payment reporting. 

Under federal law, creditors and credit reporting agencies are obligated to ensure the accuracy of the information they report. The inaccurate reporting of late payments violates my rights as a consumer under the following statutes : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i Reinvestigation of disputed information : Under this section, when a consumer disputes an account, credit reporting agencies must investigate the dispute within 30 days and remove or correct any inaccurate information if it can not be verified.

15 U.S. Code 1681s-2 Responsibilities of furnishers of information : This section requires that companies furnishing information to credit reporting agencies provide accurate information. If a consumer disputes the information, the company must investigate and report accurate results. Any false or unverifiable information must be removed. 
15 U.S. Code 1681e ( b ) Accuracy of the credit report : Credit reporting agencies must follow reasonable procedures to ensure that credit reports are accurate. Failure to do so is a violation of the law.

2. Fair Credit Billing Act ( FCBA ) : 15 U.S. Code 1666 Billing error resolution : This law provides protections in the case of billing errors, including incorrect late payment assessments. It gives consumers the right to dispute these errors in writing within 60 days, and creditors must investigate.

3. Truth in Lending Act ( TILA ) : 15 U.S. Code 1601 et seq. Fair lending and accurate disclosures : TILA requires lenders to provide clear and accurate disclosures regarding terms and conditions of credit accounts. It mandates fair treatment of consumers and helps to protect against unfair or inaccurate billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally dispute inaccurate late payment reports on my credit file related to the following accounts XXXX XXXX XXXX XXXX XXXX : Account # XXXX Issue : Incorrect late payment reporting. 
XXXX. XXXX XXXX XXXX : Account # XXXX Issue : Incorrect late payment reporting. 

Under federal law, creditors and credit reporting agencies are obligated to ensure the accuracy of the information they report. The inaccurate reporting of late payments violates my rights as a consumer under the following statutes : XXXX. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i Reinvestigation of disputed information : Under this section, when a consumer disputes an account, credit reporting agencies must investigate the dispute within 30 days and remove or correct any inaccurate information if it can not be verified.

15 U.S. Code 1681s-2 Responsibilities of furnishers of information : This section requires that companies furnishing information to credit reporting agencies provide accurate information. If a consumer disputes the information, the company must investigate and report accurate results. Any false or unverifiable information must be removed. 
15 U.S. Code 1681e ( b ) Accuracy of the credit report : Credit reporting agencies must follow reasonable procedures to ensure that credit reports are accurate. Failure to do so is a violation of the law.

2. Fair Credit Billing Act ( FCBA ) : 15 U.S. Code 1666 Billing error resolution : This law provides protections in the case of billing errors, including incorrect late payment assessments. It gives consumers the right to dispute these errors in writing within 60 days, and creditors must investigate.

3. Truth in Lending Act ( TILA ) : 15 U.S. Code 1601 et seq. Fair lending and accurate disclosures : TILA requires lenders to provide clear and accurate disclosures regarding terms and conditions of credit accounts. It mandates fair treatment of consumers and helps to protect against unfair or inaccurate billing 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 explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-05 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: NY

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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-09-05 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: NY

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
From XX/XX/2024 to XX/XX/2024, I had unauthorized charges show up on my account statements. I called and disputed the unauthorized charges. XXXX insisted that they would investigate those charges and that I would receive a provisional credit. Over a month later, the charges were still on my account and they were collecting interest. I had called their support team over XXXX times about the dispute and it wasnt handled any of those times. XXXX did not remove the charges from my account until I filed a claim with the CFPB. However, they only removed some of the unauthorized charges and XXXX still remains on my account. The charge was made on XX/XX/2024 for {$21.00} at XXXX XXXX XXXX XXXX and was not a purchase I made or authorized. My card was compromised and XXXX dispute resolution team didnt properly remove all the false charges. I have contacted them over XXXX more times about the remaining fraudulent charge and they keep telling me they will investigate it. However, the charge remains on my account and I have received no confirmation from XXXX that they are investigating my case! Due to them not removing the charge and not properly investigating the case. This charge has now accumulated to {$120.00} with late fees and interest charges! Not only did they fail to remove this fraudulent charge from my account. They reported my account as delinquent and past due to the credit bureaus despite the fact I never made the charge and have reported it! I shouldnt have to pay for charges I didnt make and I shouldnt have a negatively impacted credit score due to their failure to investigate the claim that I have called and filed with them multiple times! I want the charge removed AND my credit score/report 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