vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 2023-03-02 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: TX

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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 2023-03-02 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: CORELOGIC INC
State: MS

Complaint narrative:
I have requested for the method of verification and proof on the accounts that were reflecting on my credit reports that were incorrect and erroneous but no proof and response provided.

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 2023-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a charged off account on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inaccuracies that are illegal. This account has different account numbers, different last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting or reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!

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 2023-03-02 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a charged off account on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inaccuracies that are illegal. This account has different account numbers, different last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting or reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!

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 2023-03-02 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: ID Analytics, Inc.
State: MS

Complaint narrative:
I have requested for the method of verification and proof on the accounts that were reflecting on my credit reports that were incorrect and erroneous but no proof and response provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a new credit card account with US Bank and set up autopay for it so I wouldnt miss payments in case I forgot. Id gotten confirmation that it had been set up, then I checked my statement and a {$30.00} late fee had been applied because autopay would not go into effect until the next month and the payment was never sent. I was never informed of this when I initially set up autopay.

Now that autopay is active, I have the option of paying minimum payment or statement balance. The statement balance sounds like it should be the full balance on the account, but it isnt. Its exactly the same as the minimum payment. There is no actual option to automatically pay the full balance, it has to be done manually every time. People who dont catch this could easily be tricked into paying just the minimum payment and being charged interest.

I called customer service on XX/XX/XXXX to try to fix this issue. They transferred me to cardmember services. Once I told cardmember service about my issue they stopped responding at all and kept ignoring me even when I tried to ask questions. I tried again with their websites chat option. I was transferred to cardmember services again. When I told them my issue they closed the chat and I couldnt access it again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate charged off account on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inconsistencies between each bureau. This account has different open, last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!

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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my professional dissatisfaction with the manner in which my recent dispute was handled. On XX/XX/2023, I received confirmation that the account titled XXXX XXXXXXXX XXXX XXXX had been permanently deleted from my credit report, as it was identified as unauthorized and fraudulent, as clearly shown in report number XXXX. However, to my disappointment, on XX/XX/2023, the same account was once again added back to my report, causing me additional stress and anxiety. 

I promptly took action and sent the necessary proof of residency documentations, as well as a FTC Report to support my dispute. I had hoped that these measures would help to expedite the process and prevent any further inconvenience. Despite my efforts, Experian unprofessionally disregarded my dispute and re-added the fraudulent account to my report. 

To make matters worse, without my consent, Experian initiated a new dispute numbered as XXXX, which resulted in the XXXX XXXX XXXX XXXX  account being listed as updated. I immediately contacted Experian to request that this account be permanently deleted, as it is clearly fraudulent and unauthorized. A representative created a new dispute numbered as XXXX, which was intended to resolve the issue within XXXX hours. 

However, when I requested a confirmation email of this new dispute, I was transferred to six different representatives, each of whom claimed that they were unable to assist me. This experience has been incredibly frustrating, unprofessional, and has caused me a great deal of stress and anxiety. 

I demand that Experian permanently delete the XXXX XXXXXXXX XXXX XXXX account from my credit report, as it is fraudulent and unauthorized. I have provided ample documentation to support my claim and have followed all necessary procedures to resolve the issue. This experience has left me feeling violated of my rights under the Fair Credit Reporting Act ( FCRA ) and I expect this matter to be promptly resolved. 

I request that you take immediate action to permanently remove the XXXX XXXXXXXX XXXX XXXX  account from my credit report and ensure that it never reappears. I trust that you will take this matter seriously and address it with the utmost urgency. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
a suspect stole my credit card number and use it to buy XXXXXXXX XXXX and XXXXXXXX XXXX i have never use this aplication to order food before they stole {$880.00} the thieves star using my credit card on XX/XX/XXXX to XX/XX/XXXX i am very depressed that bank or america does not want to resolve this i am a XXXX yrs old and i have a hearing problem and the bank refuse to resolve my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 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: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate charged off account on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inconsistencies between each bureau. This account has different open, last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate charged off account on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inconsistencies between each bureau. This account has different open, last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!

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 2023-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Our mortgage payment from XXXX to XX/XX/2023 went from {$1200.00} to {$1500.00} somehow in the changeover from XXXX XXXX to Freedom Mortgage. When contacted, I was told our taxes were never escrowed so not only did we have an increase in the escrow amount, but we were also in an escrow shortage. I've contacted the attorneys that did the closing, XXXX, Freedom, everybody I can think of. I've appealed to our Tax Assessor 's Office ( taxes hiked significantly and an unrealistic appraisal is currently on our property ), nobody seems to know why this happened or how to fix it. Even if we paid the lump sum for the shortage, our " FIXED '' rate mortgage would still go up? How can this be? Neither we nor our Insurance Company can figure out where they're getting these numbers and we are overcome with stress.

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 2023-03-02 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: SC

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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 2023-03-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-03-02 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: CA

Complaint narrative:
I filed a dispute with Experian regarding a Bankruptcy on my credit report. 
I filed XX/XX/2023 & XX/XX/2023 both times their stating the information was accurate. 
I sent them a letter from the third party they receive their bankruptcy information from XXXX. 
XXXX has no record of a bankruptcy on my consumer report, nor does XXXX. 
Experian stated several times that they verify their Bankruptcy information from XXXX. 
If Experian verify their bankruptcy information from XXXX either its a lie or an error, because XXXX has no record of a bankruptcy on my consumer report. 
I feel that my case is not getting reviewed just overlooked because if they would have verified the information through XXXX like they stated they would see that XXXX does not have a record of a bankruptcy on my consumer report, again either its a lie or an error. This is consumer neglect grounds for a lawsuit.

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 2023-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate charged off auto loan on on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inconsistencies between each bureau and I have not received any valid proof regarding this debt from the credit bureaus for XXXX XXXX. This account has different open, last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!

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 2023-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate charged off account on on my credit reports. I have been disputing this account with the credit bureaus for a while now. How are all three bureaus reporting different things if they are all getting their information validated from the same place? This account is reporting multiple inconsistencies between each bureau. This account is reporting different balances, last active and payment dates. Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. It is illegal to report inaccurate information on a consumers reports and I am requesting that this account is deleted from my reports now!

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