vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to address a deeply concerning matter related to my credit report. I want to bring to your attention that an account with the account number XXXX XXXX, held by XXXX XXXX XXXX, has been unexpectedly reinserted onto my credit report. This act not only contradicts my previous efforts to rectify inaccuracies but also raises serious questions about compliance with the Fair Credit Reporting Act ( FCRA ). 

I would like to remind you that I previously contacted your agency in XXXX of 2023 to address this incident. In that letter, I outlined my concerns regarding the accuracy of the account and requested its removal. Despite my previous efforts, I have not yet received confirmation of the removal of this account from my credit report. 

It is important to highlight that the reinsertion of an item onto a credit report without prior written notice to the consumer is a direct violation of the FCRA, which mandates that such notification should be provided within five days of the reinsertion. The unexpected reappearance of this account without appropriate notice has left me deeply concerned about the integrity of my credit history. 

Given the circumstances, I am left with no choice but to demand the immediate deletion of the aforementioned account from my credit report. This action is not only necessary to rectify the FCRA violation but also to ensure the accuracy and completeness of my credit history. 

Additionally, I kindly request that you promptly provide me with an updated and revised copy of my credit report following the successful removal of this account. This will enable me to verify that the necessary corrections have been made. 

I must stress that the delay in addressing this matter is both disconcerting and disappointing. I urge you to take immediate action to rectify this situation, as I am prepared to assert my rights under the FCRA to ensure compliance with its provisions. 

Thank you for your immediate attention to this critical matter. It is my hope that your response will reflect your commitment to accurate and compliant credit reporting.

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 2023-08-21 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I just paid a lump sum all at once in XXXX and I ran back into the same problem. I want to appeal my forbearance rejection and whatever I can do to stop this foreclosure process just for XXXX  months and I will catch up. But I lost my wife that's what made it hard for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: DC

Complaint narrative:
Cash app had my account for theses XXXX yr on hold I can not get

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
I OPENED A CREDIT CARD WITH REVVI, DID APPLICATION, PAID THE FEE, AND WAITED FOR CARD. A FEW MONTHS GO BY ... NO CARD, NO BILL SO, I CALLED EM TOLD EM WHAT I DID THEY ARE LIKE U OWE ANOTHER MEMBERSHIP FEE, I TELL EM WHEN I SEE A CARD GREAT I'LL TAKE CARE OF THIS. WELL ITS BEEN ABOUT A YEAR AND IM CHECKING MY REPORT. THEYVE GOT A 30 DAY LATE PAYMENT ON MY ACCT. IVE CALLED A FEW TIMES ABOUT IT DISPUTED ONLINE, NO LUCK. I JUST STUMBLE UPON THIS STATEMENT WITH THE WRONG ADDRESS ON IT. I CAN GET THAT LATE PAYMENT DELETED CORRECT, I DIDNT EVEN SEE THE CARD UNTIL XX/XX/2023 XXXX WAS LIKE XX/XX/XXXX. INACCURATE INFO HAS TO COME OFF ILL UPLOAD DOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/2023 regarding a request for verification of a late payment that is currently being reported on my credit report. The specific account in question is as follows : Account : XXXX - XXXX XXXX ( Account Number : XXXX ) Despite my initial request for verification of the reported late payment on the XXXX XXXX XXXX XXXX account for the month of XX/XX/2023, I have not received any documentation from your agency that supports the accuracy and completeness of this reported late payment. 

In accordance with the Fair Credit Reporting Act, I am entitled to a response from Equifax within 30 days of the receipt of my letter. This response should include detailed documentation that verifies the accuracy and completeness of the information being reported on my credit report. 

It has now been more than 30 days since I sent my initial request, and I have not yet received any of the requested documentation. It is essential to reiterate that credit reporting agencies are legally obligated to provide accurate and timely responses to consumer requests for information verification. 

Given that the legally mandated timeframe has passed without a response, I formally request that Equifax Credit Information Services take immediate action to remove the reported late payment from my credit report for the XXXX XXXX XXXX XXXX account for XX/XX/2023. Furthermore, I kindly ask that you provide me with an updated and revised copy of my credit report, reflecting the removal of this inaccurate information. 

I am fully aware of the crucial role accurate credit reporting plays in maintaining fair and reliable credit assessments. Your swift cooperation in resolving this matter is of great importance to me. 

Thank you for your attention to this issue. I anticipate a timely response containing the necessary documentation and details outlining the steps taken to rectify the inaccuracies on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
Someone had used my identity to fraudulently open an account with XXXX XXXX XXXX in association with XXXX in XXXX, XXXX. I received a letter from XXXX XXXX XXXX XXXX from XX/XX/XXXX notifying me that after an investigation, they had determined that I am not responsible for the account in question. Despite this, Cavalry Portfolio Services LLC continues to send me mail and demanding payment on behalf of XXXX XXXX XXXX XXXX, now with the additional threat of late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/XXXX regarding a request for verification of a late payment that is currently being reported on my credit report. The specific account in question is as follows : Account : XXXX XXXX  ( Account Number : XXXX ) Despite my initial request for verification of the reported late payment on the XXXX XXXX account for the month of XX/XX/XXXX, I have not received any documentation from your agency that supports the accuracy and completeness of this reported late payment. 

As stipulated by the Fair Credit Reporting Act, I am entitled to receive a response from Equifax within 30 days of the receipt of my letter. This response should include comprehensive documentation that verifies the accuracy and completeness of the information being reported on my credit report. 

More than 30 days have now passed since I sent my initial request, and I have not yet received any of the requested documentation. It is important to reiterate that credit reporting agencies are legally obligated to provide accurate and timely responses to consumer requests for information verification. 

In light of the fact that the legally mandated timeframe has elapsed without a response, I am formally requesting that Equifax Credit Information Services take immediate action to remove the reported late payment from my credit report for the XXXX XXXX  account for XX/XX/XXXX. Furthermore, I kindly ask that you provide me with an updated and revised copy of my credit report, reflecting the removal of this inaccurate information. 

Understanding the significance of accurate credit reporting, I appreciate your prompt attention to this matter. I anticipate a timely response containing the necessary documentation and an outline of the measures taken to rectify the inaccuracies on my credit report. 

Thank you for your cooperation, and I look forward to a swift resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023 I discovered unauthorized transactions on my Citibank checking account. I immediately contacted the XXXX XXXX Police Department ( XXXX ) and filed a police report. XXXX Report # XXXX and then followed up and called Citibank to report the same transactions that were not authorized. Claim ID # XXXX. 

On XX/XX/2023 Citibank DENIED my claim citing that I was responsible for the charges in question. 

On XX/XX/2023 Citibank sent me a letter stating that they will be closing my accounts as they no longer wish to do business with me, yet I'm the victim in this matter, not them. The letter states the accounts will be closed out 'within ' XXXX days from the date of the letter, which would be XX/XX/2023. 

The letter states that I am able to go into a branch to withdraw the money if I do not want to wait for a check from them. I proceeded to go into a branch on XX/XX/2023 located XXXX XXXX XXXX. I spoke with the manager, showed them all my documentation and they called some back office department to which after XXXX mins on hold and on the phone, that department then proceeded to tell the branch they will not release my money as they can not confirm where the funds came from. I've always deposited cash, had direct deposits come in and incoming wires. Never deposited a check. 

Since that date of XX/XX/2023 I've called Citibank numerous times only to be told that my accounts are still under 'investigation ' and that I can not have my money. 

At this point I am tired of waiting and dealing with them. I get defrauded {$3300.00} in FRAUDULENT transactions and I'm left with nothing as a result. I want the money that is OWED to me. I'm not asking for it. 

This matter will only continue to escalate until Citibank sends me the money in which is OWED to me and the money that was lost due to fraud. I was a customer in good standing, I was also protected by Mastercard for transactions that were 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 explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I OPENED A CREDIT CARD WITH XXXX, DID APPLICATION, PAID THE FEE, AND WAITED FOR CARD. A FEW MONTHS GO BY ... NO CARD, NO BILL SO, I CALLED EM TOLD EM WHAT I DID THEY ARE LIKE U OWE ANOTHER MEMBERSHIP FEE, I TELL EM WHEN I SEE A CARD GREAT I'LL TAKE CARE OF THIS. WELL ITS BEEN ABOUT A YEAR AND IM CHECKING MY REPORT. THEYVE GOT A 30 DAY LATE PAYMENT ON MY ACCT. IVE CALLED A FEW TIMES ABOUT IT DISPUTED ONLINE, NO LUCK. I JUST STUMBLE UPON THIS STATEMENT WITH THE WRONG ADDRESS ON IT. I CAN GET THAT LATE PAYMENT DELETED CORRECT, I DIDNT EVEN SEE THE CARD UNTIL XXXX XXXX XXXX WAS LIKE XX/XX/XXXX. INACCURATE INFO HAS TO COME OFF ILL UPLOAD DOC.

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 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I OPENED A CREDIT CARD WITH XXXX, DID APPLICATION, PAID THE FEE, AND WAITED FOR CARD. A FEW MONTHS GO BY ... NO CARD, NO BILL SO, I CALLED EM TOLD EM WHAT I DID THEY ARE LIKE U OWE ANOTHER MEMBERSHIP FEE, I TELL EM WHEN I SEE A CARD GREAT I'LL TAKE CARE OF THIS. WELL ITS BEEN ABOUT A YEAR AND IM CHECKING MY REPORT. THEYVE GOT A 30 DAY LATE PAYMENT ON MY ACCT. IVE CALLED A FEW TIMES ABOUT IT DISPUTED ONLINE, NO LUCK. I JUST STUMBLE UPON THIS STATEMENT WITH THE WRONG ADDRESS ON IT. I CAN GET THAT LATE PAYMENT DELETED CORRECT, I DIDNT EVEN SEE THE CARD UNTIL XXXX XXXX XXXX WAS LIKE XX/XX/XXXX. INACCURATE INFO HAS TO COME OFF ILL UPLOAD DOC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I OPENED A CREDIT CARD WITH XXXX, DID APPLICATION, PAID THE FEE, AND WAITED FOR CARD. A FEW MONTHS GO BY ... NO CARD, NO BILL SO, I CALLED EM TOLD EM WHAT I DID THEY ARE LIKE U OWE ANOTHER MEMBERSHIP FEE, I TELL EM WHEN I SEE A CARD GREAT I'LL TAKE CARE OF THIS. WELL ITS BEEN ABOUT A YEAR AND IM CHECKING MY REPORT. THEYVE GOT A 30 DAY LATE PAYMENT ON MY ACCT. IVE CALLED A FEW TIMES ABOUT IT DISPUTED ONLINE, NO LUCK. I JUST STUMBLE UPON THIS STATEMENT WITH THE WRONG ADDRESS ON IT. I CAN GET THAT LATE PAYMENT DELETED CORRECT, I DIDNT EVEN SEE THE CARD UNTIL XXXX XXXX XXXX WAS LIKE XX/XX/XXXX. INACCURATE INFO HAS TO COME OFF ILL UPLOAD DOC.

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 2023-08-20 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:
I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XXXX  regarding a request for verification of a late payment that is currently being reported on my credit report. The specific account in question is as follows : Account : XXXX XXXX ( Account Number : XXXX ) Despite my initial request for verification of the reported late payment on the REGIONS BANK account for the month of XXXX XXXX, I have not received any documentation from your agency that supports the accuracy and completeness of this reported late payment. 

As stipulated by the Fair Credit Reporting Act, I am entitled to receive a response from XXXX within 30 days of the receipt of my letter. This response should include comprehensive documentation that verifies the accuracy and completeness of the information being reported on my credit report. 

More than 30 days have now passed since I sent my initial request, and I have not yet received any of the requested documentation. It is important to reiterate that credit reporting agencies are legally obligated to provide accurate and timely responses to consumer requests for information verification. 

In light of the fact that the legally mandated timeframe has elapsed without a response, I am formally requesting that XXXX Credit Information Services take immediate action to remove the reported late payment from my credit report for the XXXX XXXX account for XX/XX/XXXX. Furthermore, I kindly ask that you provide me with an updated and revised copy of my credit report, reflecting the removal of this inaccurate information. 

Understanding the significance of accurate credit reporting, I appreciate your prompt attention to this matter. I anticipate a timely response containing the necessary documentation and an outline of the measures taken to rectify the inaccuracies on my credit report. 

Thank you for your cooperation, and I look forward to a swift resolution of this issue.

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 2023-08-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/XXXXXXXX   regarding a request for verification of a late payment that is currently being reported on my credit report. The specific account in question is as follows : Account : XXXX XXXX  ( Account Number : XXXX ) Despite my initial request for verification of the reported late payment on the XXXX XXXX account for the month of XX/XX/XXXX, I have not received any documentation from your agency that supports the accuracy and completeness of this reported late payment. 

As stipulated by the Fair Credit Reporting Act, I am entitled to receive a response from XXXX within 30 days of the receipt of my letter. This response should include comprehensive documentation that verifies the accuracy and completeness of the information being reported on my credit report. 

More than 30 days have now passed since I sent my initial request, and I have not yet received any of the requested documentation. It is important to reiterate that credit reporting agencies are legally obligated to provide accurate and timely responses to consumer requests for information verification. 

In light of the fact that the legally mandated timeframe has elapsed without a response, I am formally requesting that XXXX Credit Information Services take immediate action to remove the reported late payment from my credit report for the XXXX XXXX account for XX/XX/XXXX. Furthermore, I kindly ask that you provide me with an updated and revised copy of my credit report, reflecting the removal of this inaccurate information. 

Understanding the significance of accurate credit reporting, I appreciate your prompt attention to this matter. I anticipate a timely response containing the necessary documentation and an outline of the measures taken to rectify the inaccuracies on my credit report. 

Thank you for your cooperation, and I look forward to a swift resolution of this issue.

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