vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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:
CFPB + XXXX + XXXX + TransUnion, There is a credit card I am an authorized user on - that is not showing up on my credit reports - that should be showing up. 

This is for a XXXX XXXX Credit Card - dated XX/XX/2019 - it has always been paid on time. 

My drivers license ( for ID and address ) plus full account information is attached to this complaint. 

Please have this card show up on my credit reports as soon as possible.

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 2023-01-10 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:
CFPB + XXXX + Experian + XXXX, There is a credit card I am an authorized user on - that is not showing up on my credit reports - that should be showing up. 

This is for a XXXX XXXX Credit Card - dated XX/XX/2019 - it has always been paid on time. 

My drivers license ( for ID and address ) plus full account information is attached to this complaint. 

Please have this card show up on my credit reports as soon as possible.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not familiar with the following addresses that is on my report, this is an improper use or reporting of my credit, kindly remove the following addresses because they do not apply to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: LCS FINANCIAL SERVICES CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX I had answer to a phone call with XXXX XXXX telling me I will have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXf I havent pay my debt that I am a XXXX  % sure I do not owe because the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I started to make payments with LCS Financial services Coroporation because I was unaware being young of the age XXXX that I didnt want to do XXXX XXXX so I started the payments and also was questioning if I am going make these payments then I want to at least have my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX said they couldnt help me with that but to try contacting to see if you can find your car and when I was contacting to see where my car at, I talk with someone that knew there rights about the situation that was going on and told me to report this matter to credit bureaus because my car is already charge off and I should not owe no money to no debt collection

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a request to verify the documents used to publish these account to my credit report. The FCRA requires that specific documents be provided to the credit bureaus in order to publish item on a persons credit report. This is a official request to produce the documents used in order to do that. The original wet signature must be included. Please forward all document to my address listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
Spoke to someone for loan depot. Update!!!! Spoke to city of XXXX funny enough loan depot didnt PAY my property taxes of {$4700.00}!!! This is why my escrow went up!!! They were saying our taxes went up now of {$3700.00} which is a lie!! Thats more than 8 % thats illegal!! XXXX put a lean on my house because loan depot did not pay out taxes! This is insane! And they wont even let us pay them ourselves! Literally crooks!! This needs to be rectified I will not stop until it is!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, a credit card company, which operates as XXXX presented and sold to me a ticket labeled as " business class. '' I bought this ticket on XX/XX/XXXX for my honeymoon to XXXX in XXXX, XXXX. I soon found out that part of the trip was actually an economy trip, and was not a business class trip, as originally presented to me. I would not have bought this ticket if I had known that. I escalated this complaint and asked for them to fix that leg of the trip, compensate me with points, or compensate me with cash. After weeks of escalating this with customer service, I was told that I should have opened a separate box to see the hidden details that a " business class '' ticket would actually include an economy flight, and that XXXX would not be able to remedy the situation. This was deceptive and misleading.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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 u.s.c 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said accts  have 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 an account without written instructions. 15 u.s.c 1681 c. ( 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 7 years. 15 u.s.c 1681 S-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 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 2023-01-10 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Re : Verification of alleged debt pursuant to Section 609 ( a } ( 1 ) This letter is being sent to you in response to a correspondence sent to me onXX/XX/XXXXXX/XX/2022 This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the Falr Debt Collection Practices Act requires that. the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mail a response. 
According to the Fair Credit Reporting Act. Section 609 { a ) ( 1 ) ( A }. you are required by federal law to verify, through the physical verification of the original signed consumer contract. any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request the following : Verify the debt ( what is the money that is owed for How did you come up with said amount exactly All contracts that confirm that such an agreement is legal and bonding A certified copy of any judgment made Proof that the statute of limitations does not apply to this account The name and address of the original creditor Confirmation that you have the right to collect debts in my state Your license number and the name and address ot your Registered Agent Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA. unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof. you must remove the account listed below. 
I demand that the following account be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: IL

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A 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 then seven years.

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

Delete these accounts

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A 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 then seven years.

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

Delete these accounts

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE? I, XXXX XXXX is a victim of identity theft and you shall help me with this!

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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 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: NY

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 u.s.c 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accts have 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 an account without written instructions. 15 u.s.c 1681 c. ( 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 7 years. 15 u.s.c 1681 S-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 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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See documents 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 explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Yes hi my accounts been frozen. For a year or more and. Td bank states funds are on smart hold.My account gets funds taken out of it every month for maintenance fees when the account is soppose to be frozen.I Thought it wasent legal for a bank to hold funds this long. Plus when the funds are benifits.Top it of I went down to my financial institution awhile back.They wrote me out a check.Then rip up in front of me. And tell me it's fraud and we're not nice. Something fishy is going on. With my account I would like to know What.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a XXXX XXXX Credit Card and was making ontime payments. Due to XXXX my job down sized and I wasl laid off. I was unabl ; XXXX to keep up with my payments so eventually it went to Charge-off status One bureau said I was 120 days late and one said I was 150 days late. They also reported incorrect information as far as the date open, last oaid, and also past balance due. I thought that under FCRA guidelines all information must be accurate and isn't it a violation to report past due balance on a charge off. This has cause me stress and the inability to purchase a home. Please assist with clearing this matter.

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 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX XXXX XXXX I filed the complaint detailed below. Nearly 6 months have passed & still no refund of our money that was stolen. I am told by Chase that XXXX XXXX cashed the altered check & they must agree to refund our money, but XXXX XXXX will not discuss with me since I am not their customer. I need someone to force Chase & XXXX XXXX XXXX to deal with this & get us our money. It is clear they cashed an altered check on our account. Just " checking in to see how Chase will respond '' as was done before is worthless. Please actually help us. 

" My company, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has had a checking account with Chase Bank for over 16 years. We pay most of our bills using their online bill pay service. Some payments are electronic, but for others Chase issues a paper check & mails it to the payee. On XX/XX/2022 I directed Chase to pay {$1500.00} to " The XXXX XXXX '' on our behalf. Chase issued a check. On XX/XX/2022 The XXXX XXXX ontacted me about the payment they hadn't received. I recalled seeing it cleared my account, so I went the Chase website and pulled up a copy of the cleared check. To my disappointment I saw the payee shown as " XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ''. Since we nor the Personal Touch know anyone by that name or address, I can only assume the payee was altered ( Chase 's own records show it was originally written to The Personal Touch ). I immediately reported this to Chase. I was informed that they would be sending me a " Declaration of Unauthorized Endorsement or Altered Item '', which I recieved, filled out & returned on XX/XX/2022. I was told that although it would take Chase XXXX days to recover their funds, that my account would be credited within 10 days to two weeks. In the meantime we paid The XXXX XXXX for the money that was missing ( not their fault ). On XX/XX/XXXX I realized Chase had not added the funds to our account, & after reaching a supervisor ( XXXX ) I was told we will not get the funds restored to our account until Chase gets its funds back from the bank where the check was cashed or deposited ( 90-120 days ). Chase, having issued the check, could easily have in place a system to confirm payees are not altered to avoid this risk. Chase chooses to accept this risk. We did not. A cost of accepting that risk should be that Chase bears the burden of temporary or permanent loss of funds for their reckless policy. All we are seeking is the restoration of the stolen {$1500.00} to our account. I have included documentation of what's been described, & our account activity since XX/XX/2022 so you can see the funds have not been restored. Thank you. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I sold my car on XXXX. They mailed me my check by XXXX. I went to the bank to deposit it. My banker thought it was fraudulent. My bank put a hold on the check for 10 days. I am not happy. The check was written on 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 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2022 a check that we mailed to our contractor in the amount of {$5000.00} was cashed at an unknown bank. The person cashing our check was not our contractor. When realizing someone stole this check we filed a complaint with out local police department and with Huntington Bank ( local branch ). 
We were told it could take up to 90 days to be resolved. The local bank told the police department that they will take care of things internally and they should not have to be involved. 
It is now over 90 days and all the local branch has told us is that the check was cashed at a XXXX XXXXXXXX XXXX  not endorsed and for us to be patient and things are getting resolved. 

Case number with the bank is XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief