vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts : 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 non-monetary relief
Consumer complaint received 2024-01-18 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:
In accordance with the Fair Credit Reporting Act. The List of accounts : 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-01-18 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: MI

Complaint narrative:
Inaccurate late payments 1. 120+ other 120days these are closed accounts so they cant change them. The collection actually just have 120days not 30 or 60 days only 120daysXXXX XXXX XXXX has 90 & 60days & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in XXXX I circle all these inaccurate things on these reports. Need fixed or deleted many inaccurate items i circled & XXXX XXXX XXXX HAS TWO NAMES ONLY POSE TO HAVE ONE THATS inaccurate. Payment history been re-aged PLEASE DELETE MY WISHES PAYMENT STATUS NOT CORRECT CAUSE PAYMENT HISTORY DONT HAVE LATE PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I contacted XXXX XXXX XXXX back in XX/XX/XXXX. They are saying that at the time I owed a bill to XXXXXXXX XXXX XXXX for {$4000.00} dated XXXX XXXX said they didnt have this bill. XXXX they are reporting a total of 14 bills on my TransUnion and XXXX now I am sure there are more credit reporting agencies that they are putting these fake bills on. All of these bills are fake. They put doubled the fake dates and the amounts. All of these bills are not legalXXXX XXXX XXXX XXXX  is putting these bills on my credit report when not one of these bills is legitimate. I have tried 3 times in the last 3 months to get these bills off of my TransUnion and XXXX. I keep getting letters from XXXX saying the one bill was legit. These bills are not part of any lawsuit. These bills are past the statute of limitations of Wisconsin which is 6 years. Most of these bills are dated from XXXX and 1 bill from XXXX. If this company is doing this to me. How many other victims are out there that they are doing this to? They are trying to collect money that doesnt exist to anyone. They are trying to steal money from the American people. The sad thing about this if the Wisconsin department of financial institutions would had done there job they would have had there license taken from them and would not be doing this to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: JDJ Investments, INC.
State: WI

Complaint narrative:
I contacted professional collector corporation back in XX/XX/XXXXXXXX XXXX XXXX They are saying that at the time I owed a bill to XXXXXXXX XXXX XXXX for {$4000.00} dated XXXX XXXX  said they didnt have this bill. Pcc they are reporting a total of 14 bills on my XXXX and XXXX now I am sure there are more credit reporting agencies that they are putting these fake bills on. All of these bills are fake. They put doubled the fake dates and the amounts. All of these bills are not legal. Professional collector corporation is putting these bills on my credit report when not one of these bills is legitimate. I have tried 3 times in the last 3 months to get these bills off of my XXXX and XXXX. I keep getting letters from XXXX saying the one bill was legit. These bills are not part of any lawsuit. These bills are past the statute of limitations of Wisconsin which is 6 years. Most of these bills are dated from XXXX and 1 bill from XXXX. If this company is doing this to me. How many other victims are out there that they are doing this to? They are trying to collect money that doesnt exist to anyone. They are trying to steal money from the American people. The sad thing about this if the Wisconsin department of financial institutions would had done there job they would have had there license taken from them and would not be doing this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Statebridge Company
State: DE

Complaint narrative:
I have an attorney that is helping but the heloc of $ XXXX was written off by the prior company. When the property values increased, statebridge purchased it and stated demanding payments after almost 10 years of non communication. They are adding those 10 years of interest when they had written off the balance. Since the property values have increased they tried to foreclose on the property. I obtained representation because the balance has been written off years earlier. Now this ghost mortgage shows up demanding payment and all the past due interest when they were not billing me. Willing to pay amount thats fair which is approximately $ XXXX not $ XXXX that they are requesting. The interest keeps compounding and I dont think its right. During the 10 years I was not billed so interest would not be due based upon their lack of sending monthly statements with interest. Statebridge can not deny that investor ID XXXX clearly did not charge fees or interest to the account between XX/XX/XXXX and XX/XX/XXXX, as reflected in its XXXX to XXXX Payment History, attached hereto, and it is not lawful for Statebridge to do so now. Also they violated the law when they overcharged the amount of interest. under 6 Del. C. 2301 ( a ), lenders may not legally charge interest in excess of 5 % over the Federal Reserve discount rate including any surcharge thereon applicable at the time the agreement was entered into. 

I dont think they should be rewarded for their failures. Also, if the amount was written off by the lender, how are they able to resurrect it after all these years. Statute of limitations should not allow this but I dont know. I know Delaware has a 20 year limit on foreclosure. I think they have exceeded their time to enforce

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, i made a transfer of {$9000.00}, i called the bank on XXXX XXXX, XXXX and XXXX to check as the money never arrived. The bank has kept the money on hold without my consent and are refusing to release the money to the recipient nor return the money to my account! 

I have been following up with no avail and no feedback other than we will investigate the matter and its been 11 days now since the transfer and i dont have access to my money since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see attached documents. Do not close this comasplaint stating it is not me. I am a natural person and a cosfnsumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I believe that, as a XXXX XXXX I was taken advantage of, and given a forbearance second mortgage instead of a refinance to lower my interest rate as was discussed with the XXXX  XXXX  representatives to help XXXX  fill out the paperwork for the Obama HARP program. I began with this complaint process over the telephone, complaint XXXX XXXXXXXX, and was instructed to create an account to upload my payment history and modification documents. I was not in arrears at the time they gave me a forbearance instead of a loan modification.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There were no changes. Please see attached my disputes for accounts thats not mine.

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 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up for the Amex Business Checking account after learning of the following promotion. 

XXXXXXXX XXXX XXXXXXXX The promotion offered XXXX points after depositing a certain amount of money. When I went to set up the account, the offer had been lowered to XXXX. At no point during the application process was I informed that I was ineligible for the offer. 


This is the transcript of my chat with Amex >>When I signed up for the amex biz checking there was a promo for XXXX rewards. When I was setting up my account today, I noticed that the reward bonus had been decreased to XXXX >>I understand your concern to verify your Welcome Bonus details, XXXX. Can you share with me how you received and applied for this offer? 

>>Here is the link XXXX XXXX XXXXXXXX >>Thank you for sharing this information. How did you receive this link? 

>>I was thinking of applying for amex biz checking and XXXX " amex biz checking signup bonus '' and that was one of the first things that came up >> Thank you for confirming that information, XXXX. I have confirmed that the XXXX Welcome Bonus offer is valid only via email invitation. Your account would not qualify for the Welcome Bonus if you've used a link found on Amex website, XXXX, XXXX or that a Friend shared ; even if the XXXX works for during application, you would have had to be invited via email to take advantage of the XXXX Welcome Bonus offer. 

>> Hmm. That's a bit misleading. The link was on multiple XXXX listings which isn't exactly an obscure place to be looking. In addition I checked the link itself and it's a very generic link. It does not appear to include any special codes or values. 
It was also be important for amex to mention if the offer isn't applicable to the applicant during the extensive application process >>I completely understand your point of view and would be more than happy to note your feedback to the appropriate parties. We have been notified of different blog sites where individuals would share unique promotional links, however, we've confirmed that this promotion is email invitation only. 
To ensure our customers receive the same excellence in servicing, we can not make exceptions to meeting the qualifications including matching the bonus offers. 

>>I would argue any good consumer before purchasing/buying/signing-up for anything would at the minimum do a quick XXXX search to see what is out there. I find that disappointing to say the least I understand your concern, XXXX. I appreciate your insight that you have provided, as your feedback is important to us and will help American Express make the necessary enhancements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: FL

Complaint narrative:
There are a few Inquiries showing on my Experian Credit Report which is totally not mine and I never applied with these Companies for anything. by law, the credit beaurau has to have specific verification in order to report this. I have sent Experian letters requesting to send me the documents of how they validated these inquiries and it has been quite sometime and they refuse to remove the inquiries and also never sent me the docs supporting that they are legally reporting this. 

The wrong inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never ever applied with this Companies for anything and I request that Experian please either send me the supporting docs to validate this and or remove them from my report immidiately

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 2024-01-18 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: GA

Complaint narrative:
Dear Equifax, I looked at my credit report back on XX/XX/year>, and noticed some things that are incomplete and not accurate. I sent a letter to you on XX/XX/year> and asked you to investigate the completeness and accuracy of this, I haven't received a response back. This is breaking Federal Law. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC 1681i ( 5 ) it states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently became aware that unauthorized fraudulent addresses, names, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently became aware that unauthorized fraudulent addresses, names, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently became aware that unauthorized fraudulent addresses, names, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.

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 2024-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
Personal loan agreement of XXXX dollars which they refused to give and only sent XXXX of XXXX and refused to send. They used my personal info to place my account into negative balance and refused to discuss other further options to resolve the amount owed. They used my information to file a bank claim and then placed my account. They refused to allow me the ability to speak with my personal loan officer.

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