vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-25 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: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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 2022-12-25 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: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX and I filed a civil complaint against Chase Bank because I am confused about payments, who to pay, and all of the erroneous and conflicting information surrounding my VA Home loan. 

The Department XXXX XXXX XXXX noted that XXXX XXXX XXXX XXXX XXXX is my one and only lender. I've spoken with supervisors at the VA and received paperwork which supports this claim. I took out a VA home loan with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and sent payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the Department of XXXX XXXX, Chase Bank shows up on my file as a third party collector in XXXX. My payments with XXXX XXXX is not accounted for. Chase Bank notes they bought my loan from XXXX XXXX, which is untrue because the VA states otherwise, and by federal law, borrowers are protected and when a loan is bought or sold by the old lender and new lender, both are to notify you in writing within 15 days, which never happened. 

Additionally, Chase Bank, who again, was noted as a third party collector on VA records and mysteriously showed up on my VA loan in XXXX stated that they were my lender, when they were not, which is considered deceptive business practices. 

TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located ate XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX, noted in a correspondence dated on XX/XX/XXXX, and who is trying to fraudulently steal my home and sale it on XX/XX/XXXX, indicated that Chase Bank sold my loan to XXXX XXXX XXXX  This is false information. Again, the VA confirms Chase has never been a lender and that the only lender on file for my loan is with XXXX XXXX XXXX as XXXX XXXX Chase Bank has no legal authority to sale my home to XXXX XXXX XXXX, and again, federal law protects borrowers when loans are bought or sold by requiring that both the old lender and the new lender notify you in writing within 15 days of a sale that a transfer has taken place. This never happened. I only received a foreclosure letter in XX/XX/XXXX. 

I attest under the law of perjury that I have never received any information from old and new lenders of a sale taken place. I've asked both Chase Bank to provide me with a copy notifying me of the sale, but have never received a copy of this letter nor have I received anything from XXXX XXXX XXXX as XXXX XXXX which again , is required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have disputed the following accounts repeatedly and companies continue to verify the wrong information for n them. They now refuse to let me dispute them anymore. In my opinion they are not even investigating the issue because the results either stay the same or reaged because they change the 1st derogatory mark to a year or more later date. The accounts are : advancing fcu, XXXX cards, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX. Also XXXX XXXX and trust date of first delinquency is wrong also, and XXXXXXXX XXXX XXXX was not included in XXXX XXXX If these companies are the ones re aging these accounts I will also file a report on them, but I believe experience is not even investigating the issues.

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 2022-12-25 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: 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 XXXX XXXX XXXX Account name XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX & XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : 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 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 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 2022-12-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXXXXXX  # XXXX XXXX XXXXXXXX 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 2022-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I called American express and I informed an employee that there is a billing error of {$3200.00}. They stated that there was no error and they did nothing, and I told them according to law that they will have to investigate this and they never did. I let them know at the back of my statement it states that I have the right dispute a billing error. According to the credit balance of the full amount I keep asking them why is it in a positive balance if I owe them it should be in a negative in front of it. I would love to use my remittance credit. On the back of the statement it let 's me know that the money belongs to me when it's a CREDIT BALANCE. Amex is in violation for writing me and threaten me about putting on negative credit reporting. They stated that they are going to insert late pays. Late pay is illegal. According to the law experiences and transactions are excluded from your consumer report. In addition, I opted out to information sharing. I never gave american express the permission to report to my consumer file anyway. I am looking to continue business with them and extend my open credit plan. Their statement is very misleading and it's a violation to the fdcpa and Tila. So do right by me american express as federally protected consumer that I am l. As I am in a billing error dispute I am not responsible for any payments until you take care of this issue. The whole balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: FL

Complaint narrative:
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, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 SECTION 602 A. States I have a right to privacy.

( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates.

15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: MOHELA
State: TX

Complaint narrative:
Refuse to update loan information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I had recently been notified that my personal information had been leaked by XXXX, which then prompted me to check my persons credit report during the last week of XXXX and noticed that there were several in accuracies revolving around my Navy Federal Credit Union loan and credit card. More specifically the payment history reported to XXXX and XXXX. There were also issues regarding the status of the account at the time of me checking end of XXXX. I attempted to dispute these inaccuracies through XXXX and XXXX but had no success in having the issue resolved. I recently filed another dispute in a last attempt to have these issues resolved. My credit report in accurately shows that I have no accounts and no payment history. Essentially dropping my score well below what is acceptable to get access to necessities associated with me achieving life and liberty. I hope that this complaint can aid in provoking the speedy remedy of this injury to my persons in regard to this credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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 explanation
Consumer complaint received 2022-12-25 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: TN

Complaint narrative:
I have been a victim of ID theft. I submitted the police report to the credit bureau along with the accounts that I believe was a result of the theft. Transunion is still reporting the erroneous accounts on my report and disregarding the letter that I sent to them.

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 2022-12-25 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: FL

Complaint narrative:
Ive asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. But I did a thorough research myself and found improper inaccuracies on my credit report even after the credit bureaus did their verification. 
XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions.

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 2022-12-25 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 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 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 inaccurat

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, I recently signed up with the Capital one Savor One Credit Card in XXXX. I was told that I would be getting a sign on bonus online when i signed up. It was advertised a sign on bonus of spending XXXX $ and getting {$200.00} back. I met the minimum spend requirement like they said but I did not get the sign on bonus. I called on XX/XX/XXXX and asked about it and they said I did not qualify even though it was advertised when I signed up and it said I would get it online when I signed up. They said there is no way for me to get it even though It said I would get it online when I signed up. I also asked why i was not told that I didn't get the sign on bonus then if I didn't qualify and they said that Capital one does not tell you if you don't qualify or not even though they advertise it like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX 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.

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 2022-12-25 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: CA

Complaint narrative:
Transunion was notified of this fraudulent and unauthorized inquiry on XX/XX/XXXX, immediately when it was noticed. Transunion was also notified on XX/XX/2022 as well as a compensation of {$1000.00} was demanded in accordance with the law for their violation. Transunion responded over 50 days later, which was way far beyond the 30 days allotted by law. The claim was closed without resolve and compensation. It is now over 6 months. Transunion continues to violate their duties as a consumer reporting agency and in doing what is fair and equitable to me, the consumer. This is willful neglegence.

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