vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-03-25 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I don't recall having a contractual relationship with this collection company SOUTHWEST CREDIT SYSTEMS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Re : letter I received from Citizens Bank, Reference : XXXX that I received XX/XX/year>. 

The letter says Citizens made the soft inquiries into my credit report " for a permissible purpose.. '' I am asking Citizens for an explanation of that permissible purpose. Would Citizens explain precisely what that permissible purpose is that allows Citizens to make inquiries into my credit. 

Also, I am asking Citizens to disclose to me how the information received from my credit report has been used/shared/disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I bought a used XXXX XXXX XXXX in XXXX of XXXX the price was XXXX I put XXXX down on it! T he problem is i think they charged me over XXXX in taxes and fees! i paid it off XXXX XXXX XXXX and it was XXXX after paying XXXX a month for over XXXX  months i know the original loan was XXXX and something! i should of only had XXXX plus tax to be financed awful high interest!!!! company Westlake Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: VA

Complaint narrative:
Please remove all phone numbers on my credit report. 
Please remove all of the other addresses off of my credit report. All of the other addresses reporting onto my credit report are not accurate and are not my current residency. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 


The following addresses below are inaccurate : 1XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Please remove all phone numbers on my credit report. 
Please remove all of the other addresses off of my credit report. All of the other addresses reporting onto my credit report are not accurate and are not my current residency. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 


The following addresses below are inaccurate : 1960 XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE UPDATE ALL LATE PAYMENTS 15 USC 1666B SEE ATTACHED DOCS

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE UPDATE ALL LATE PAYMENTS 15 USC 1666B SEE ATTACHED DOCS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
{$29.00} late fee charged, can't waive but never recd info. Told me I should check my Am exp. Account on line. Changed to mail copy. Don't want this on my credit report, feel should be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: IN

Complaint narrative:
I filed bankruptcy in 2022. I have repeatedly asked this company to cease and desist from contacting me as well as provided them with the bankruptcy case number. The Manager, XXXX XXXX, has repeatedly sent me emails after I asked him to stop contacting me and informing him that he was in violation. He has repeatedly asked me for a document showing proof. I have upheld my end by providing him with the case number for them to do their due diligence. Yet he insists upon contacting me. I have not received anything in writing by mail only this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :. 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 2024-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: MO

Complaint narrative:
In 2022, I applied for a job, XXXX English in XXXX. I got an email from XXXX XXXX, XXXX. ( XXXX ), a school in XXXX, XXXX with a job offer. The head of the school XXXX XXXX is XXXX XXXX. I made an employment agreement with XXXX XXXX, XXXX. After that, I was instructed to transfer a certain amount of money, the purpose of which was to speed up the process of receiving a work XXXX. According to the instructions, I had to make payments not directly to the bank account of the school, which would be the common practice, but to a third party, named XXXX XXXX ( hereinafter referred to as the Beneficiary ) holding an account with WISE US INC . I made wire transfers for the benefit of the Beneficiary amounting to a total of USD XXXX ( US DOLLAR XXXX  XXXX XXXX XXXX AND XXXX AND XXXX CENTS ). My legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX addressed a letter of demand to Wise US INC., trying to resolve my issue and claiming a feasible compensation offer. Wise US INC. responded that they can not be held liable for the scam. Such a way of handling consumers complaints is not acceptable to me and I think that it does not handle the raised issue fairly and impartially, nor does it match the ethical and professional standards of a diligent payment services provider as these are known in most of the modern countries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX - XXXX Conserve - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I filed a dispute with TransUnion on XX/XX/24 about a collection account. I sent them written information that I had been told that i did not owe anything when I moved out of an apartment complex. The manager told me that I had paid everything, and she could not charge me anything else. Months after I left, they decided to say that I owed {$100.00} and filed a collection account on me. Just a few days later TransUnion sent me notice that they had investigated my dispute and they had verified that the collection account was accurate. Later they just opened up an open account in my file and changed the collection account into an open account. I believe that is wrong and even more damaging. I did not open that account. They don't allow me to dispute it and when I try to write a statement about all the problems with it, they don't allow enough words to do that. They also don't show your credit score. They want you to buy it. My dispute on XX/XX/24 was to not to dispute the accuracy of the account. I relayed to them that I had been led to believe I didn't owe the money. I also said the account was false. I then went to XXXX XXXX which is the upper management of the apartment complex. They sent me the file of what made up the amount they filed on me. After examination I saw that they charged me with unities that were after my legal notice to vacate. They actually charged me for the time I had moved out and was not there. They filed an inaccurate and false collection account on me. I was led to believe I didn't owe the money to begin with and now I can also prove what I just stated herein. I am uploading documentation to show my legal date of intent to vacate. Then the document showing the dates and charges after that date. I actually moved out on XX/XX/24. I don't know what TransUnion investigated but it wasn't the accuracy of the collection account. The account they have charged against me for the XXXX next 7 years is actually inaccurate and false.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are XXXX collection accounts on all of my credit reports from XXXX XXXX XXXX. The original creditor is XXXX XXXX. My last payment to XXXX XXXX was back in XX/XX/XXXX. XX/XX/XXXX would be the first missed payment. XXXX XXXX purchased the accounts in XX/XX/XXXX. Wouldnt the date of first delinquency be XX/XX/XXXX? XXXX XXXX is saying that the date of first delinquency is when they purchased the account in XX/XX/XXXX. 18 months from the first missed payment is the date of first delinquency? These accounts should be deleted from my credit reports because they are XXXX XXXX XXXX. However I was told they will remain on report until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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:
There are XXXX collection accounts on all of my credit reports from XXXX XXXX XXXX. The original creditor is XXXX XXXX. My last payment to XXXX XXXX was back in XX/XX/XXXX. XX/XX/XXXX would be the first missed payment. XXXX XXXX purchased the accounts in XX/XX/XXXX. Wouldnt the date of first delinquency be XX/XX/XXXX? XXXX XXXX is saying that the date of first delinquency is when they purchased the account in XX/XX/XXXX. 18 months from the first missed payment is the date of first delinquency? These accounts should be deleted from my credit reports because they are XXXX XXXX XXXX. However I was told they will remain on report until 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 2024-03-25 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX  Date ofd Inquiry XX/XX/XXXX, XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX  XXXX Date ofd Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX  Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date ofd Inquiry XX/XX/XXXX, XXXX  XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX & XXXX Date ofd Inquiry XX/XX/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