vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 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: EQUIFAX, INC.
State: GA

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. 

Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXXXXXX 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 seven 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 non-monetary relief
Consumer complaint received 2023-07-07 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: AZ

Complaint narrative:
The three credit reporting agencies ( XXXX, XXXX, and TransUnion ) have been notified on several occasions since 2018 regarding the falsely reported delinquency listed on my credit report by XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX deals in unethical business practices and has, for years, preyed on consumers by finding loopholes to create negative impact factors to sway consumers to them for financing since they are XXXX of few major companies that have high interest products dedicated to poor credit consumers, especially XXXX XXXX  consumers. 
In 2018, I contacted XXXX XXXX XXXX to ask if I could get an extension on my payment and I was told by their representative that since this was my first request, they would defer the XX/XX/2018 payment to the end of my loan and my payment history would not be affected. I was so appreciative because I had an unblemished payment history on my credit report and a steadily climbing credit score. That was until the next month when I received an alert that there was a delinquency from XXXX XXXX XXXX appended to my credit report for missing a payment accompanied by a XXXX point decline in my credit scores. I immediately contacted XXXX XXXX XXXX and asked them to pull the phone records to confirm the specifics of the conversation. I asked them to accept my payment and reverse the delinquency. They refused and have been fighting to keep that recording and the specifics of that conversation private ever since. Not only is this unethical business practices, but it is also credit discrimination in an attempt to reduce my creditworthiness to potential creditors forcing me to do business with XXXX XXXX XXXX. 
Since that date, they have consistently reported this delinquency that they fraudulently created by misrepresenting the specifics of the arrangement which would have never been entered into had I known my payment history would be affected. Logically, if someone says that the payment will be deferred to the end of your loan, technically the payment is not missed ; it's simply added to the end of the loan term. Therefore, I assert that this misreporting has affected my credit report for far too long and I wish to have this missed payment removed and my payment status updated accordingly.

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 2023-07-07 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: AZ

Complaint narrative:
The three credit reporting agencies ( XXXX, Equifax, and XXXX ) have been notified on several occasions since 2018 regarding the falsely reported delinquency listed on my credit report by XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX deals in unethical business practices and has, for years, preyed on consumers by finding loopholes to create negative impact factors to sway consumers to them for financing since they are one of few major companies that have high interest products dedicated to poor credit consumers, especially XXXX XXXX  consumers. 
In 2018, I contacted XXXX XXXX XXXX to ask if I could get an extension on my payment and I was told by their representative that since this was my first request, they would defer the XX/XX/2018 payment to the end of my loan and my payment history would not be affected. I was so appreciative because I had an unblemished payment history on my credit report and a steadily climbing credit score. That was until the next month when I received an alert that there was a delinquency from XXXX XXXX XXXX appended to my credit report for missing a payment accompanied by a XXXX point decline in my credit scores. I immediately contacted XXXX XXXX XXXX and asked them to pull the phone records to confirm the specifics of the conversation. I asked them to accept my payment and reverse the delinquency. They refused and have been fighting to keep that recording and the specifics of that conversation private ever since. Not only is this unethical business practices, but it is also credit discrimination in an attempt to reduce my creditworthiness to potential creditors forcing me to do business with XXXX XXXX XXXX. 
Since that date, they have consistently reported this delinquency that they fraudulently created by misrepresenting the specifics of the arrangement which would have never been entered into had I known my payment history would be affected. Logically, if someone says that the payment will be deferred to the end of your loan, technically the payment is not missed ; it's simply added to the end of the loan term. Therefore, I assert that this misreporting has affected my credit report for far too long and I wish to have this missed payment removed and my payment status updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recieved a copy of my credit report and noticed several accounts on my credit file that I never applied for and never used. these accounts are fraud and needs to be removed from account below are listed the above referand accounts XXXX XXXX XXXX, XX/XX/XXXX, {$870.00}, ( XXXX ) XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1000.00}, ( XXXX ) XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$870.00}, ( XXXX ) XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$970.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$330.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$880.00}, ( XXXX ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I opened a XXXX Checking and Savings account on XX/XX/2023 with a promotion that offered the following : 1. Receive a bonus of {$300.00} when you open a XXXX XXXX checking account and have a direct deposit post to the account within 90 days. 
2. Receive a bonus of {$200.00} when you open a XXXX savings account and deposit {$15000.00} or more in new money within 30 days and maintain a balance of {$15000.00} for 90 days. 
XXXX. Receive an extra {$400.00} bonus when you complete both of the above bonuses. 

I completed # 1 and # 2 and received the bonuses for both. After completing both I asked why I have not received the extra {$400.00} ( # XXXX ) and they mentioned they sent it to my Checking account but it got sent back since they closed my checking account after 60 days of inactivity despite their terms stating as long as you have at least $ XXXX in either a savings or checkings account ( for me it was in my savings ) I wouldn't have to pay a checking account fee. I was not notified my checking account was closed. They have its been almost a month now and I have not received the {$400.00}. 

I've been in contact with their online secure communications group and they keep mentioning they will get back to me within 5 business days but they never do and its been almost a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: MO

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: NC

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 2023-07-07 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX XXXX You ae in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX. Acct : ending in XXXX, XXXX XXXX. Acct : ending in XXXX, XXXXXXXXXXXX XXXX XXXX, Acct : ending inXXXX ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.

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 2023-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  sold my mortgage to XXXX on XX/XX/XXXX of XXXX, I was never sent a letter to inform me of this change. I had my bank account set up to auto draft my payment every month. I had been in my house over 14 years and have never missed a payment. When my bank sent the payment to cardinal after they had sold the account XXXX  sent the payment to chase. Then the next month when XXXX  received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX  who told me they had sold the account. Then I contacted XXXX at which time the payment was already late. XXXX told me that if I provided them with proof that my bank had sent the payment to XXXX  on time and a good faith letter from XXXX  admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have XXXX reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action. 

XXXX should have never returned my payment. They should have sent it to XXXX  and contacted me to ask why my bank was still sending the payment to them. 

My missed payment for XXXX needs to be fixed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  sold my mortgage to XXXX on XX/XX/XXXX of 2022, I was never sent a letter to inform me of this change. I had my bank account set up to auto draft my payment every month. I had been in my house over 14 years and have never missed a payment. When my bank sent the payment to XXXX  after they had sold the account XXXX  sent the payment to XXXX. Then the next month when XXXX  received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX  who told me they had sold the account. Then I contacted XXXX  at which time the payment was already late. XXXX told me that if I provided them with proof that my bank had sent the payment to XXXX  on time and a good faith letter from XXXX  admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have XXXX reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action. 

XXXX should have never returned my payment. They should have sent it to XXXX  and contacted me to ask why my bank was still sending the payment to them. 

My missed payment for XXXX needs to be fixed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are several unauthorized credit inquiries listed on each of the three credit reporting agencies. I have contacted each credit reporting agency individually using a certified mailing option. The dates of contact are XX/XX/23 and XX/XX/23, respectively. 
Each of the credit reporting agencies have continued to report these unauthorized inquiries and have not responded to my request to-date ( XX/XX/23 ). 
As the consumer, when I contact a credit reporting agency with information that I believe to be inaccurate or requesting investigation into inaccuracies, I expect that they will handle these matters with some urgency and respond to me timely with updates regarding my legitimate requests. 
This has not occurred and I wish to complain about these credit reporting agencies and have their business practices investigated. Their role as a consumer credit reporting agency, consumer being the main focus here, then I would presume that they have a fiduciary duty to appease the inquiries of the consumer whom they exist to serve. Maybe I am mistaken but I am certain that I am not the only victim of these unethical and unsupported business practices.

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
on XX/XX/23 I lost my pre paid debit card. I last used my card at a gas station for {$5.00} earlier that day. I realized I lost my card later that same evening. I called the prepaid customer service to report my card lost and to order a replacement card. I then realized several fraudulent transactions had taken place while my card was lost. The list of transactions are : XXXX {$1400.00}, XXXX {$1700.00} XXXX {$100.00} XXXX {$100.00} and XXXX {$31.00}. I filed a dispute ( Dispute # XXXX ) .That is a Total of {$3400.00}. I received a credit for {$700.00} on XX/XX/23 and then a second credit for {$720.00} on XX/XX/23. that is a total of {$1400.00}. That leaves a remaining balance of {$2000.00} of my dispute that has not been refunded. I have reached out on several occassions to rectify the situation. I still have not heard from the bank as to why they would only give me a partial credit for the same dispute. Can the CFPB help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief