vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters..

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 2024-05-21 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: LA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-21 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: LA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-21 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: LA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
I went to buy flowers for gardening. And since I've really only used the Citibank card for transferring amounts and having that XXXX or low interest rate. Citibank decided I was having a fraud problem and I have had identity theft and other fraud problems. 

So I tried to accept the charges at the flower shop where I was trying to get gardening supplies and Citibank has you go through all of these different verifications your mother 's maiden name your code word your PIN number your social security number, the last XXXX of your card number which I have memorized. Then when you get to a person who's not in the XXXX, not at a bank branch and does not have any ability or authority to problem solve outside the script in front of them, then they suddenly won't help you unless you give them your phone number. Well, I actually have had my identity stolen and I have had problems with my phone being hijacked. So, why would I give you my entire 10-digit phone number when you should already have that information? Every other bank only asks me for the last XXXX have my phone number. I am more than happy to give you that. meanwhile, I have filed XXXX better Business bureau complaints hoping they would have the ability to get a hold of somebody at a headquarters who can actually problem solve and help me get my account closed. There has been XXXX response. 

I don't know what's going on at Citibank, but I'd sure like to be able to get my final amount and get an address to send a payment to and close this danged account.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I want to cancel a recurring payment that I have with Toyota Financial Services because there are insufficient funds in the account to make the remainder of the lease payments. 
I called customer service on this and the rep told me she could not cancel the payment because I had scheduled it using the app. The Delete Payment button is missing on my end so this is not possible. The rep told me she would check with her manager and ended up hanging up on me.

I called customer service a second time and was promised a call back by a manager within 3 days ( 72hrs ) in connection with case XXXX. It has been over week and no one has followed up. 
In the attached pictures I have included a screenshot of the payment account that I want to use. I have the option of cancelling this payment. I have also included a picture of the payment I want to delete which is missing the delete payment button.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was a resident at the XXXX XXXX apartments from XX/XX/XXXX until XXXX XXXX. Due to my place being flooded and also due to constance maintenance issues at the apartment. 
My address was XXXX XXXX XXXX XXXX XXXX OH XXXX. I was constantly having maintenance issues, and constantly sending over request which sometimes took up to XXXX months to fix. I would come home and find the maintenance people in my home unannounced. The place was fully carpeted and I would come home to Mud tracked through the apartment. I have attached photos and I have attached documentation of these issues. On XXXX XXXX, XXXX I get a call that pipes in my unit had burst and there is water everywhere. I was not at home, but quickly arrived back to see the damage and it was bad. ( see pictures ), The place was not liveable not only was the ceiling hanging they had cut huge holes in the walls and cold air was blurring in my apartment. They refuse to re locate me to another apartment. I called an attorney to get counseling he advised me to request relocation, they said they had no other open units. Which was not true, I spent about XXXX days with no heat sleeping in my car/airport bathroom, I called code enforcement, he came out and spoke to office manager and he also advised me that It would be sometime before things got corrected, the fumes from the moldy walls began to make me sick and caused shortness of breath. I had to get out of there, the attorney gave them a notice in writing that I would be leaving due to the place being inhabitable. ( letter attached ).

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was a resident at the XXXX XXXXXXXX XXXX from XX/XX/XXXX until XXXX XXXX. Due to my place being flooded and also due to constance maintenance issues at the apartment. 
My address was XXXX XXXX XXXX XXXX XXXX OH XXXX. I was constantly having maintenance issues, and constantly sending over request which sometimes took up to XXXX  months to fix. I would come home and find the maintenance people in my home unannounced. The place was fully carpeted and I would come home to Mud tracked through the apartment. I have attached photos and I have attached documentation of these issues. On XXXX XXXX, XXXX I get a call that pipes in my unit had burst and there is water everywhere. I was not at home, but quickly arrived back to see the damage and it was bad. ( see pictures ), The place was not liveable not only was the ceiling hanging they had cut huge holes in the walls and cold air was blurring in my apartment. They refuse to re locate me to another apartment. I called an attorney to get counseling he advised me to request relocation, they said they had no other open units. Which was not true, I spent about XXXX days with no heat sleeping in my car/airport bathroom, I called code enforcement, he came out and spoke to office manager and he also advised me that It would be sometime before things got corrected, the fumes from the moldy walls began to make me sick and caused shortness of breath. I had to get out of there, the attorney gave them a notice in writing that I would be leaving due to the place being inhabitable. ( letter attached ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-05-21 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: PA

Complaint narrative:
I have an account on my credit report that belongs to my son. XXXX is only on my TransUnion credit report, and I have 2 open Credit One accounts in good standing. TransUnion has already admitted to me that my son and I had mixed credit files, and I know that this account belongs to him. Please send me validation on this account belonging to XXXX XXXX XXXX, and not XXXX XXXX XXXX. This account also has inaccurate last active dates. How can a closed account have an active date of XX/XX/year>? 
Please remove this account for the reasons listed 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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters..

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 2024-05-21 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: TX

Complaint narrative:
I am writing to address the inclusion of unauthorized accounts on my consumer report, which have been linked to identity theft. I never provided written authorization, including a wet signature, for their inclusion. This matter was recently discussed with your organization, and I am formally requesting the immediate blocking and removal of these accounts from my report. 

The presence of these unauthorized accounts has caused me significant emotional and financial distress. They inaccurately represent my credit history and responsibilities, hindering my ability to achieve important financial goals such as purchasing a home and meeting the needs of my family. If this issue is not resolved promptly, I am prepared to take legal action to protect my rights and seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX issued me a Bank of America prepaid visa card in the amount of {$450.00} in XX/XX/XXXX. The prepaid card says it is valid through XX/XX/XXXX. I called Bank of America twice in XX/XX/XXXX who say that they have retained the unspent balance of {$450.00} and will not release it to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
I went on XXXX XXXX to check my credit score and saw I had a collection on my credit report. The collection agency is Radius Global but they are collecting for XXXX. I have never had that phone line. I have only ever had XXXX. I recently had to get a new XXXX debit card because of fraud on my account so I feel it may be related.

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 2024-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a situation with XXXX XXXX XXXX in XXXX CA. I came down and put XXXX dollars down on a used XXXX XXXX XXXX XXXX, the CCT was not done correctly, ended up being a good faith contract, for one the sum of all charges was incorrect, violation # 1, violation # 2 was the CCT requires it to be a cash in hand transaction, it was not. There fore by them breaking the contract that was written I am entitled to all the money financed and XXXX per violation of the contract and the property. The down I paid everything!. I will be thankful once I have a check in my hand to start to make this really long stressful process finally to rest

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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 2024-05-21 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: IN

Complaint narrative:
I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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 2024-05-21 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: LA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2024-05-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2024-05-21 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: TX

Complaint narrative:
On XX/XX/24 Reporting on Transunion XXXX XXXX # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval.

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