vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Formal Complaint Against Experian for Failure to Provide Credit Report and Score To Whom It May Concern, I am writing to express my grievance and to file a formal complaint against Experian for their persistent refusal and failure to provide me with my credit report and score since XX/XX/XXXX My name is XXXX XXXX, and I have been significantly impacted by this issue, which has impeded my ability to conduct personal and business financial transactions effectively. 

On Monday, the XXXX, I engaged in detailed conversations with both the Dispute Department and the Customer Service Department at Experian. Despite these discussions and my proactive steps to update and correct my address with their guidance ensuring all my information was accurate to facilitate the delivery of my report no resolution was provided. I was assured that I would be able to view my report online at experian.com within 48 hours of these updates. Unfortunately, this assurance proved to be unfounded, as I have still been unable to access my credit report and score. 

To date, I have made five attempts to resolve this issue through calls to Experian, speaking with various agents and departments in an effort to rectify the situation and gain access to my credit information. These interactions have not only been unproductive but have also led to further frustration due to the lack of follow-through and accountability from Experian 's side. 

The inability to access my own credit report and score is not only a breach of my rights under the Fair Credit Reporting Act ( FCRA ) but also poses a significant risk to my financial health and business operations. It is crucial for me to monitor my credit to protect against fraud, ensure accuracy, and maintain financial stability. 

Your Report Number is : XXXX Your Investigation ID is : XXXX I am seeking the CFPB 's intervention to compel Experian to provide immediate access to my credit report and score. I believe that the CFPB 's involvement is essential to resolve this matter satisfactorily and to uphold my rights as a consumer. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and assistance in rectifying this situation. 

Sincerely, 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 2024-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Account XXXX XXXX XXXX XXXX {$2500.00} and XXXX XXXX XXXX {$1200.00} To Whom It May Cancern ; I disputed the referenced accounts above on XXXX. The credit report of Transunion shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy ( 15 U.S.C. 1681b ) : certification of accuracy of information. If any information is deleted from a consumers file pursuant subparagraph ( A ), the Information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency, Additional information. As part of, or in addition to, the notice under clause ( a ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracyor completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. 
Your agency may avoid such action by immediately deleting this listing from my credit report. 


Thank you, 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 2024-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
According to the Federal Law passed on XX/XX/XXXX, The law states that a debt collection agency can not report to the credit bureau without first communicating with the debtor. This agency, named TRANSWORLD has violated the law by posting in all 3 credit bureaus beginning on XX/XX/XXXX and reporting ever since without ever sending a letter to me or allowing me to dispute the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: NY

Complaint narrative:
I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Despite this, I refute your allegations and challenge you to substantiate your right to report incomplete negative information on my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts that is both integral and accurate. It also requires conducting reasonable investigations into consumer disputes. As per the Consumer Reporting Resource Guide ( CRRG ), adherence to XXXX XXXX compliance standards is essential for lawful reporting, and any deviation from these standards jeopardizes the integrity of the data. 

I am asserting my rights to challenge these inaccuracies and non-compliance issues. Disregarding my request would indicate a lack of concern for my consumer rights. It is unjust to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I am contesting these claims and requesting evidence of proper reporting standards.

Your actions are violating my rights, as outlined in this document. The incomplete and non-compliant nature of your reporting fails to meet the legal standards. You must certify all aspects of required FCRA/XXXX XXXX compliance truthfully, correctly, promptly, completely, and accurately. Failure to do so will compel me to escalate these issues to the CFPB, FTC, and my Attorney General. 

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

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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX i open a new credit card with Chase with a promotion to receive XXXX points as long as I spent XXXX in less then 3 months. Instead i received 3 separate certificates for a 3 night stay or up to XXXX points for each certificate which came with many restrictions and can not be combined. 

On XX/XX/XXXX, i received a 1099- Misc from Chase for the 3 certificate received, which I have not redeemed yet and which required XXXX purchase to get the certificates. Based on my understanding, IRS does not treat the welcome bonus with spending required as taxable. 

After numerous calls to Chase, and transfers from their 1099 dept and back to customer service and back to 1099 dept, no one can tell me why i was issued a 1099-Misc or even confirm in the system 1099-Misc amount sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX I pulled up to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Michigan and requested XXXX to be dispensed to me. Transaction was approved, card was returned :, but machine did NOT disburse a recept or any funds. The ATM screen read Unable to disburse funds at this time. I immediately contacted my bank Chime to inform them. I was ensured by a customer service representative that the problem would resolve itself, I just had to wait until it didn't say pending, it said settled. And when it did say settle call Chime back and they could speed up the process. Oh I also contacted XXXXXXXX XXXX  customer service department and they were very rude because I'm not their customer and basically told me it all fell on my bank and it would resolve itself. I requested if a technician could meet me at the ATM to give me proper information proving my money wasn't dispensed. But was denied that option. I called Chime back and they made me do a formal dispute. They denied my dispute within 3 hours, which is shocking because had they did a thorough investigation and requested information from XXXX they would know my money was not dispensed. Once I saw my claim had been denied I called Chime back and requested an appeal because I'm not just going to let people take my money. The customer service representative said she requested an appeal for me and Also a rebuttal. I asked her to ask the investor to contact XXXX XXXX. Please help me. This is unfair.thank you and have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: PA

Complaint narrative:
On XX/XX/XXXX, I noticed inquiries on my credit report that I did not authorize nor have any knowledge of. 
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 2024-02-02 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: CA

Complaint narrative:
DELETE I received notifications from Experian that I have negative items damaging my credit score. Identify theft was reported to Internal Revenue Service, Federal Trade Commission. I was told to have a police report with all negative finding involved with identity theft to continue process. ( 1 ) Account name : XXXX XXXX XXXX XXXX Account number XXXX. 
( 2 ) Account name : XXXX XXXX Account numberXXXX, I will like to get these 2 negative items on Experian off my credit report due to it being identity theft. XXXX16 CFR Part 681XXXX15 U.S. Code 1681XXXXCalifornia Civil Code 1785.16 ( k ). [ Preempted by H.R. 2622, 205, FCRA 605 ( i ), 15 U.S.C. 1681c ( i ), and by renewal of 15 U.S.C. 1681t ( b ) ( 1 ) ( E ) DELETE

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 2024-02-07 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:
To Whom It May Concern, I recently received a copy of my XXXX credit report, and I noticed an late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. 
Your company is in clear violation of the law. Under 15 USC 1681b - permisible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. 
Best regards, 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 2024-02-02 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: NY

Complaint narrative:
Loan XXXX follow up XXXX XXXX has not update my experian credit report to remove late payment for XXXX and XXXX XXXX days during that time I filed a borrow assistance XXXX  form I understand I was late but when a consumer is on a work out process the lender or servicer don't suppose to report late or any legal action. And the credit breau reporting do t suppose to report any missing payments even if you were late

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 2024-02-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Fay Servicing and/or assignee 's XXXX XXXX XXXX XXXX XXXX XXXX trustee ) of XXXX ) per Loan Modification Agreement on XX/XX/XXXX, XXXX, modified my deceased mother XXXX XXXX XXXX ( mortgagor ) loan by misrepresentation, unfair business practice. The Origination Security Instrument Deed Of Trust is XX/XX/XXXX for the loan balance of { {$500000.00} XXXX dollars } Fay Servicing & assignee 's XXXX states first lien { NOTE } XX/XX/XXXX is ( incorrect ) of XX/XX/XXXX. Violations with all federal and state regulations, including, but not limited to Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Practice Act, XXXX and other laws. Fay Servicing and XXXX XXXX have generated, excessive, over charges fees over {$44000.00} into loan from XXXX up to current date for Corporate Advance Attorney fees over {$10000.00} carried over to Fay Servicing from when XXXX XXXX XXXX serviced loan with XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently review a copy of my credit report and I notice I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-02-02 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 am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.

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