vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of this name must be removed. 
Addresses. Only the address XXXX XXXX XXXX XXXX, NC XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX And the address XXXX XXXX XXXX XXXX, LA XXXX They must be removed immediately In the birthdate/year of birth field 1998 this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS ALSANA " this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. 



Late payments XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX Account name XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX account number XXXX date opened XX/XX/XXXX late payments XX/XX/XXXX XX/XX/XXXX Accounts to be deleted XXXX XXXX XXXX Account number XXXX. This account is reporting XXXX account. {$570.00} past due as of XXXX XXXX but this is a collection account legally, a collection account can not be reporting as a past due balance as the account already has been sent to collections. This account is reporting in accurately and must be removed from my report immediately. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within XXXX business days As permitted by federal law

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 2024-09-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of this name must be removed. 
Addresses. Only the address XXXX XXXX XXXX XXXX, NC XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX And the address XXXX XXXX XXXX XXXX, LA XXXX They must be removed immediately In the birthdate/year of birth field 1998 this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS ALSANA " this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. 



Late payments XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX Account name XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX  XXXX account number XXXX date opened XX/XX/XXXX late payments XX/XX/XXXX XX/XX/XXXX Accounts to be deleted XXXX XXXX XXXX Account number XXXX. This account is reporting Collection account. {$570.00} past due as of XXXX XXXX but this is a collection account legally, a collection account can not be reporting as a past due balance as the account already has been sent to collections. This account is reporting in accurately and must be removed from my report immediately. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within XXXX business days As permitted by federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: VA

Complaint narrative:
TRANSUNION is obligated by the FCRA to report accurate accounting, consumer has advised ALL inquires report was fraud, said company had XXXX days according to LAW to remove such items. 

TRANSUNION has XXXX  days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is not asking for an e-Oscar report. If TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. 

TRANSUNION Commission file number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX as Representatives of the several Underwriters c/o XXXX, XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX I will be filing form XXXX XXXX forms to audit consumers account. 

TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE not CONSUMER 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 2024-09-23 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: VA

Complaint narrative:
TRANSUNION is obligated by the FCRA to report accurate accounting, consumer has advised ALL inquires report was fraud, said company had XXXX days according to LAW to remove such items. 

TRANSUNION has XXXX  days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is not asking for an e-Oscar report. If TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. 

TRANSUNION Commission file number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX as Representatives of the several Underwriters c/o XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX I will be filing form XXXX XXXX forms to audit consumers account. 

TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE not CONSUMER 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 2024-09-23 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:
closed credit card acct in 2015 and have received no statements since 2015. I just received a statement this week owing {$900.00} interest charges for the last 10 years. If I had known I would have paid this card off a long time ago. I have 2 other credit cards with Citi they are on the online banking that I see every month..but not this card. I feel it is unfair that they did not send me a statement until this week

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 2024-09-23 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: FL

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX  are fraudulent inquiries that I did not authorize

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 2024-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> The bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Acconts below are more than XXXX XXXX XXXX and should be delted from credit report. 

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$32.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$32000.00} Highest balance - Terms XXXX  Months

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Acconts below are more than XXXX XXXX XXXX and should be delted from credit report. 

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$32.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$32000.00} Highest balance - Terms XXXX  Months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/year> I opened a new savings account with Wells Farg called a XXXX XXXX saving account about a year ago. I had a blance of about {$60000.00} and wanted more interest on my monry. I was told about this account new saving account that offere a higher interest rate as long as you kept {$25000.00} in the account. I signed up for the XXXX XXXX  saving account that day. I was receive from $ XXXX $ each month on this new saving ccount. The last XXXX months I received {$1.00} in XXXX and {$1.00} in XXXX. I called and was told Wells Fargo had changed the interest rate. The interest rate was a variable rate now and not a fixed rate like when I signed up. This is exactly what Wells Fargo does. It chages it original agreement so it can keep more of money.

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 2024-09-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-23 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I was a victim of identity theft and this account is not mine. I have reptedlydisputed with XXXX XXXX and they will not remove it. The account is target for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I filed a complaint here, XXXX, and the company responded and then I find that the complaint status with you is CLOSED without my approval or input. Who exactly are you working for? Me, a resident of California that an out-of-state company is perpetrating fraud upon, or the out-of-state company? 

The company responded with a letter that only discussed XXXX out of the XXXX issues that I complained about : XXXX ) The primary issue that they failed to address is the interest rate increase. If you reference the letter they sent to both you and me, it contains a copy of the HELOC Disclosure Statement. On page XXXX, item XXXX, you'll see the box checked " Fixed Initial Rate, '' which is for XXXX  months. They have increased the rate XXXX  months into the loan or a full XXXX  months early! The excess interest charge remains on the new invoice for XXXX. 

XXXX ) The secondary issue they failed to address is the higher than original loan balance on XXXX of the XXXX loans. I need an accounting of both loans. 

XXXX ) Thirdly, there seems to be movement on the double-charge for escrow ( they admit it ) and while the online account seems to show the reduction and a date for reimbursement, this current paper bill conflicts with it, so for now I am satisfied with this XXXX issue but will have to watch it closely.

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 2024-09-23 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: IA

Complaint narrative:
I have disputed with these credit bureaus a few times and also with the company XXXX XXXX XXXX XXXX regarding them placing repeated charge off on my credit report every month and they sent back that it was legal to do so. 
1. No Arbitration Offered : I was never offered nor allowed arbitration in relation to this account. Any claim suggesting that arbitration was made available to resolve this matter is incorrect. 
2. No 1099-C Received : I have not received an IRS Form 1099-C ( Cancellation of Debt ) related to this account. The absence of this form indicates that no debt cancellation has occurred, yet there appears to be erroneous reporting in connection with this account. 
3. Repeated Charge-offs : According to the FCRA, a debt can only be charged off once. However, this account has been repeatedly reported as a charge-off every month, which is inaccurate and damages my credit standing. Such repeated reporting is a violation of the FCRA 's accuracy requirements. 

Under the Fair Credit Reporting Act ( FCRA ), the statutory damages related to violations are outlined primarily in 15 U.S.C. 1681n and 15 U.S.C. 1681o, which govern civil liability for willful and negligent noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: IA

Complaint narrative:
I have disputed with these credit bureaus a few times and also with the company XXXX XXXX XXXX XXXX regarding them placing repeated charge off on my credit report every month and they sent back that it was legal to do so. 
1. No Arbitration Offered : I was never offered nor allowed arbitration in relation to this account. Any claim suggesting that arbitration was made available to resolve this matter is incorrect. 
2. No 1099-C Received : I have not received an IRS Form 1099-C ( Cancellation of Debt ) related to this account. The absence of this form indicates that no debt cancellation has occurred, yet there appears to be erroneous reporting in connection with this account. 
XXXX. Repeated Charge-offs : According to the FCRA, a debt can only be charged off once. However, this account has been repeatedly reported as a charge-off every month, which is inaccurate and damages my credit standing. Such repeated reporting is a violation of the FCRA 's accuracy requirements. 

Under the Fair Credit Reporting Act ( FCRA ), the statutory damages related to violations are outlined primarily in 15 U.S.C. 1681n and 15 U.S.C. 1681o, which govern civil liability for willful and negligent noncompliance with the FCRA.

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 2024-09-23 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 2024-09-23 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: CA

Complaint narrative:
I have been i victim of identity theft, i have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX All accounts are associated with this address. I have tried to get these ftaudulent accounts removed from the bureaus, but they just wont do 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 explanation