vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-09-18 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: CA

Complaint narrative:
This inaccuracy in my account has been negatively affecting me, and it's so frustrating to constantly reach out to you without any proper response on whether this account has been deleted or not. All I ask is for this account to be removed due to the repercussions of my credit scores, this is my lifeline.

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 2024-09-18 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: PA

Complaint narrative:
Citibank again has not credited me for the payment i just made of {$140.00}. My account was not credited for the payment and they are charging me fees and interest not yet due on the next payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am not liable and should not be held liable in any form for this debt with XXXX. I do not have a contract with JEFFERSON CAPITAL SYSTEM. They did not provide me with the original contract as I have requested from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: CBC Companies, Inc.
State: MA

Complaint narrative:
back in 2016 in XXXX XXXX companies called my house one was XXXX XXXX I doid not accept the offer how did they get my number I do not know the other one was XXXX  and I told the person on the cell phone not to bother anymore recive XXXX more calls again and finally blocked the phone number, a month later after the incident my computer got a blue screen and the number XXXX XXXX  on site showed up I called the company and asked why the locked my computer they said they could not get in remotley unless I give them authorization I hanged up shut it off and changed the XXXX XXXX my self after that all seemes normal had to change pass word and recover my bank information all seemed normal a few months wanted to get a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  when the loan company XXXX XXXX  informed me of XXXX passive accounts XXXX and XXXX and XXXX called XXXX companies no response called and a machine answered I am asking help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: IL

Complaint narrative:
I have disputed an account that was reported by XXXXXXXX XXXX XXXXXXXX then sold to XXXX XXXX XXXX and now reflects as a collection on my credit report. With lack of real resolution, a court hearing is now in place against the two companies. It is brought to attention that the address provided by each credit bureau for XXXX XXXX XXXX is void and nonexistent. Sheriffs are not able to serve XXXX XXXX XXXX to the address each bureau provided for this company. 

I now question the validity that each bureau has for accurate information regarding my account and the companies reporting on it.

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 2024-09-18 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: PA

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-09-18 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: CA

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 Account Number : XXXX Account name XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Collection Management Holdings, LLC
State: CO

Complaint narrative:
I've been receiving calls before XXXX from this company, Credit Managment Company . They have a XXXX XXXX number, and I believe the account is from XXXX XXXX anyways. I live in XXXX, so I understand if they don't know I do ( I have for three years now ). But when going over my address, they have one of my recent, but not current, XXXX address. So they know I'm in XXXX but have been calling me right after 6am repeatedly. When I spoke to someone, I was told that the bill is from 2019. The name of the company doesn't ring a bell, so I asked for an itemized bill mailed to my current address in XXXX and I provided that. I was then told they have to have my email to send me the bill and they won't mail it. I have already given them my current address and they have my phone number- I want an itemized bill mail to me, not emailed. And they refused and said they couldn't do that. So between getting repeated calls right after XXXX, and being told I can't have an itemized bill sent to me, I'm a bit upset and don't appreciate these tactics from Credit Management Company XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: IL

Complaint narrative:
I am reaching out to you about the false account that is being shown on my credit report. This error has greatly affected my reputation, and I need your help in addressing it. Your mishandling has ruined my standing, and I demand that you remove this incorrect information.

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 2024-09-18 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: FL

Complaint narrative:
After two-three months of observing my consumer reports by the named Credit Reporting Agency ( ies ) it has come to my attention that my consumer rights are in violation by the company reporting and the Company furnishing an account. Reason, FL DEPARTMENT OF REVENUE, the Company furnishing the information to the Reporting Agencies by non disclosed consent, FL DEPARTMENT OF REVENUE with the Credit Reporting Agency continues to furnish an account with adverse action making a significant harm to my credit profile. According to Fair Credit Reporting Act, fair and accurate reports should ONLY be forward to Agencies via the consumer by permissible written consent. 

The reporting of account XXXX ; XXXX ; XXXX : has caused severe damage to my credit character, my credit reputation and my general mode of living and my ability to obtain credit for personal purposes. Ultimately the reporting of the account and violation ( XXXX ) has damaged my livelihood and my ability to grow in commerce using credit. To add, I never gave FL DEPARTMENT OF REVENUE written permissible consent to furnish private information to a public reporting agency. To conclude, can the reporting agency ( ies ) or FL DEPARTMENT OF REVENUE provide any documentation with my signature to prove otherwise? Can the credit reporting agency ( ies ) provide the initial contract with my wet ink signature that I, XXXX XXXX XXXX of the XXXX XXXX XXXX, Estate gave, delivered and or made to the FL DEPARTMENT OF REVENUE to participate in Title IV-D granted funds? Can the Credit Reporting Agency ( ies ) prove what is Child Support, is Child Support a loan? Or, a Credit Transaction? And, if so can the reporting agency ( ies ) or FL DEPARTMENT OF REVENUE provide what loan or credit transaction I made on behalf of the Estate? 
I, XXXX XXXX XXXX, XXXX of the XXXX XXXX XXXX, Estate have all rights to privacy. The consumer reporting agencies have a great responsibility to report accurate information to my consumer report and they must respect my privacy as a consumer. 

XXXX. The account is not accurate, facts to be are the payment information is not updated. This is to deliberately cause harm to the profile, based on FICO computation, the irregular reporting will automatically cause damage to the report. Which significant change which is harmful.

2. I have a cease and desist letter in effect with the FL DEPARTMENT OF REVENUE.

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 2024-09-18 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 am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-18 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: AZ

Complaint narrative:
I am seeking your support to address the incorrect account listed on my credit report. This matter has harmed my reputation, and I need your intervention. Your mismanagement of my credit report has caused me significant distress, and I urge you to eliminate these false details.

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 2024-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
I opened an account on XX/XX/XXXX or XXXX of XXXX my first payment of XXXX was not due until XX/XX/2024 I set up a one-time payment as well as auto pay for the remainder of the terms. during the time my payment was set up they revamped the website and created a new portal and set up the payments. the old webpage was deactivated right after. this was not my first purchase from TD bank and XXXX. 

Once the new website went live because I set up XXXX payments the website deleted my onetime payment ( it was not late ) and kept my auto pay for the next month. 
I spoke with a rep at the company because I was charged a XXXX late fee. She said she was able to tell me that their system created the issue, and said I would see a credit on my next statement for the late fee. 

The XXXX statement shows the XXXX fee is still there, but TD BANK changed my payment terms from XXXX a month to XXXX a month without sending me any new payment terms agreements or asking if I wanted to increase my terms and payment amount. 
TD Bank just changed my loan without approval from me. Now my loan went from 39 months 0 % interest for XXXX a month, to roughly 16 months 0 % interest at XXXX a month. 

I did not agree to the change in terms or was I sent anything in writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me 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 2024-09-18 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX 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 2024-09-18 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 received investigation results from TransUnion, File Number XXXX on XX/XX/year>. TransUnion indicated that the information I disputed was Verified As Accurate and that other information was changed. If something was changed wouldn't that indicate that the previously reported information was inaccurate?

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, TransUnion, and XXXX is reporting inaccurate information on 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 explanation
Consumer complaint received 2024-09-18 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: AL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have several times reached out to contact experian on this issue by phone & email. I have been working very hard to get my credit score back through XXXX XXXX  & have recieved my credit score. XXXX has me at XXXX & XXXX  has me at XXXX but for some reason experian days I have no credit score. And this has stopped me from being able to make purchases to help with my credit score along with my wife & I are looking at places that are for sale when we are ready to try to get a loan to buy a place. I really appreciate it if this could be fixed. I have also in my emails to them have attached screenshot of my XXXX XXXX XXXX credit scores & have heard nothing back or see a change in credit score on there end. Thank you for your time & hope you can help

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX. Charge off XXXX XXXX Account Number : XXXX XXXX. Late Payment XXXX XXXX Account Number : XXXX XXXX. Charge off XXXXXXXX XXXX  Account Number : XXXX XXXX. Charge off XXXX Account Number : XXXX XXXX. Charge off XXXXXXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation