vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS, SPECIFICALLY A REHABILIATED LOAN THAT I HAVE CONSECUTIVELY PAID AS AGREED WHICH VIOLATES 15 USC 1681 S-2 ( i ) ( l ) I'VE CONTACTED EACH BUREAU BY PHONE AND CERTIFIED MAIL AND NONE OF THIS INFORMATION HAS BEEN VERIFED BUT STILL REPORTING ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS, SPECIFICALLY A REHABILIATED LOAN THAT I HAVE CONSECUTIVELY PAID AS AGREED WHICH VIOLATES 15 USC 1681 S-2 ( i ) ( l ) I'VE CONTACTED EACH BUREAU BY PHONE AND CERTIFIED MAIL AND NONE OF THIS INFORMATION HAS BEEN VERIFED BUT STILL REPORTING ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS, SPECIFICALLY A REHABILIATED LOAN THAT I HAVE CONSECUTIVELY PAID AS AGREED WHICH VIOLATES 15 USC 1681 S-2 ( i ) ( l ) I'VE CONTACTED EACH BUREAU BY PHONE AND CERTIFIED MAIL AND NONE OF THIS INFORMATION HAS BEEN VERIFED BUT STILL REPORTING ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B

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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXX inform me by e-mail to close my account. I called them they said they will send check for the remaining balance On XX/XX/XXXX, I got checks but its only partially of my remaining balance, there are another {$3400.00} remaining of my balance I called XXXX, they said this money is under investigation with no timeline provided They said those amount of money are from XXXX transaction which someone claim that I scam him Im a victim, I did money transfer for Thai people who want to transfer money from XXXX to XXXX ( I have money on XXXX bank account that I want to transfer to XXXX for buying condo ) I attached transaction screenshots for reference, every time he zelled me, I transfer money in Thai Baht to his Thai bank account with exchange rate XXXX per Dollar

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than a month ago, I have received no reply, nor has adequate validation been provided. I now request your help in addressing and resolving this situation swiftly and efficiently.

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 2024-08-15 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: IN

Complaint narrative:
I am not associated with these inquiries or creditors and request their prompt removal 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
Consumer complaint received 2024-08-15 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice 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 Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: VA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: U.S. BANCORP
State: SD

Complaint narrative:
l applied for a loan and was denied I contacted their underwriting department to fix a false and misleading denial of my unlimited credit based on title 15 subsection 1611 they have refused to fix this issue and is in violation of this title under federal law I have tried everything when I call they transfer me to the wrong department every time just trying to avoid me the company is U.S BANK

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 2024-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Company dishonor my exemption and refuse tender of payment according to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX International Treaty Laws, Trust Law, State And Federal Law, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
In XXXX XXXX, I received a notification about a debt that, unbeknownst to me, had been ongoing for a few years. I only became aware of this issue when I attempted to purchase a car. At the time the debt originated, I had reported it as fraud and subsequently placed a freeze on my credit, which can only be accessed with a PIN. I thought it was resolved - In response to this notification, I requested verification of the debt. The credit collector provided me with a statement and a cardholder agreement as proof that the debt was mine. However, there was no application or identification included, and the debt originated from a bank located in a state where I did not live in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I beg you please remove this from the 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 explanation
Consumer complaint received 2024-08-15 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: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My credit report shows that I have an automobile loan through XXXX XXXX ( now BMO ). This is false and misleading information as the transaction was a retail installment sales contract - there was no loan. According to your site : LAST REVIEWED : XX/XX/year> What is a retail installment sales contract or agreement? 
XXXX XXXX XXXX retail installment sales contract is a type of financing agreement. It is made directly between you and the auto dealer. The dealer will typically sell the contract to another lender unless the dealer is a buy-here/pay-here dealer. 
Traditional vehicle financing involves borrowing money from a bank or other lender. In contrast, a retail installment sales agreement is when you borrow directly from the auto dealer. These dealers typically sell the retail installment sales contract to a bank, credit union or other lender. However, a buy-here/pay-here dealer, will keep the contract. 

The copy of my contract from my auto purchase states clearly across the top that it is a XXXX XXXX XXXX. I have requested a copy of the original contract both from the dealership and the bank. The dealership sent me a copy that matches the copy I have. I have not yet received a response from the bank. 
My goal is to have this negative report 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: VA

Complaint narrative:
XXXX XXXX  XXXX  is HUD funded. XXXX XXXX  XXXX  do yearly recertification to keep funds for each unit. The Property manager have each tenant to do a recertification then it's sent to corporate for approval then sent to HUD. Corporate admitted on the news they lost the paperwork and have no proof of payments and charged tenants market rate rent because corporate mishandled the paperwork and loss the fund for the units. They moved me out my unit in XXXX and I still live there XX/XX/XXXX. Nobody in the office can locate any paperwork for my unit. I filed complaints with congress, HUD and credit bureaus. XXXX XXXX  XXXX  charged me over XXXX in rent for income based apartment while unemployed during my XXXX treatments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TX

Complaint narrative:
This company is allowing third parties to commit identity theft. Attached is an FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I Recently disputed an account on my credit report, because it was reporting inaccurate information. The information was updated on the account and verified by the credit bureaus. I still believe that this account is reporting inaccurate information, and this is actively affecting my life and creditworthiness. The account listed below is reporting late payments on this account and I never been late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support their inaccurate reporting of this account. Also, I was granted forgiveness of this student loans and all of the payments thru the XXXX XXXX administration program which the disbursement of the payments shows I was never late. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax decided to close the 2. account listed which originality contained this late payment information which is incorrect and then place it on the first account and change the status to closed. I don't believe that I received an actual investigation rather than just take whatever information the data furnisher provided, which is a violation against my civil rights. I will provide proof of my claims in the documentation 's sections

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Hello, I have a complaint with the Discover company for rejecting me when I tried to pre approval and these bullies still didnt approve me. I am mostly angry with the Costumer Protection Service because they closed my account. I called the supervisors, but they dont help me. Sometimes, these people want to make my life miserable. I didnt mean to damage my account, for I just need to get some cash to deposit my debit card from a different bank account. Please help me. Thanks. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: IL

Complaint narrative:
I got an email that said " Welcome to XXXX XXXX, XXXX '' and when I clicked into it I saw that someone had opened a credit card with the credit limit of {$30000.00}. I then get an email that says the card had shipped. I checked my XXXX app, where my credit is locked, and I see an alert that states " XXXX XXXXXXXX XXXX XXXX  XXXX got a copy of your XXXX Credit Report. '' I did NOT open this card. This is fraudulent. I called XXXX XXXX and they shut down the account. Now I need XXXX to remove this inquiry 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Chase Ink never credited {$3000.00} check written and mailed XXXX XXXX XXXX. 

When learned Chase Ink had no idea where the money went, I authorized a {$3000.00} transfer from my checking account. 

I then asked Chase not to cash the missing check since 1. the bank had not received it for payment a month later and 2. cashing the check, if it appeared, would empty my account of all funds. 

The company refused, saying if check shows up, they will cash it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: OR

Complaint narrative:
My repeated efforts to resolve the issue of false, incorrect, and misleading data on my consumer report have been unsuccessful. These inaccuracies continue to severely disrupt my life, causing substantial distress. I must emphasize that I never approved or agreed to have this information linked to my identity, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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:
My multiple efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries continue to severely impact my life, resulting in considerable stress and XXXX. I must emphasize that I never authorized or consented to the association of this information with my identity, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The collection agency has continued to report this account on my credit report despite having been instructed not to communicate with me further regarding this debt. According to 15 U.S.C. 1692c, the collection agency is prohibited from engaging in further communication regarding the debt under certain conditions, such as when the consumer has notified them in writing to cease communication or disputes the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: VA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: AL

Complaint narrative:
The company was sold to another company and has the doors the company is still reporting on my credit and has the wrong balance on it I tried calling and contacting them I cant get anybody because the company had closed I no longer have an account with 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 explanation
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice 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, Experian, and XXXX 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 explanation