vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 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: NJ

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
BMW Financial Services is currently in breach of contract. Please see attached correspondence that was delivered to BMW Financials Legal team on XXXX XXXX XXXX BMW Financial Services and their indenture trustee XXXX XXXX XXXX XXXX are in breach of contract and breach of fiduciary duty to Principal. This was my XXXX  attempt to resolve the matter with BMW Financial Services. On XX/XX/XXXX an offer of performance was tendered, in good faith as full satisfaction of the debt with the intent of extinguishing any alleged debt, duty, obligation, or liability. At this moment in time BMW is continuing to try and collect a debt that has been paid in full. They dishonored my original payment and have dishonored my XXXX payment to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: NJ

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never 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 2024-01-17 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-01-17 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America took {$1000.00} out of my account that I never authorized. They did not send any correspondence that they were planning to do this. I want this put back immediately. They have made it so I cant pay my mortgage!

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 2024-01-17 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: CT

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 Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-01-16 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: GA

Complaint narrative:
I was reviewing my credit profile and noticed some inquiries that do not belong 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 2024-01-16 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: FL

Complaint narrative:
In accordance with the fair credit reporting act account XXXX XXXXXXXX, has violated my rights 15 u.s.c 1681 Section 602 A state I have the rigth 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 Account number XXXX Original Creditor ' XXXX XXXXXXXX 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 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I contact discovery Bank about some charges on my credit  card, and I put them in dispute, I never received any letters about my dispute, and I never did receive all the letters when the dispute was resolved. I got a bill dated XX/XX/XXXX through XX/XX/XXXX and they did a temporary credit on my account for XXXX XXXXXX/XX/XXXX through XX/XX/XXXX they did a temporary credit for {XXXX  on XX/XX/XXXX the dispute went in my favor for XXXX so when I get my bill dated XX/XX/XXXX to XX/XX/XXXX they put transactions on my bill they put XX/XX/XXXX. They did a reverse temporary credit for XXXX but that dispute was cleared on XXXX second so now on my new bill they put it like its a charge charge on my bill for XXXX. I had got a letter from them telling me they was going to repost the XXXX back on my bill so when I called them I explained them what happened so they told me they was gon na put the XXXX back in dispute. So I guess my bill like I said for XX/XX/XXXX to XX/XX/XXXX it says XX/XX/XXXX reverse temporary credit for XXXX  XX/XX/XXXX repost of dispute transaction for XXXX. Now on that bill, they put down for my charges amounts {XXXX once XXXX twice plus XXXX  which was cleared on XX/XX/XXXX and I do not see my credits on my statements for those amounts and I did not ask them to the XXXX back in dispute because it was already cleared on XX/XX/XXXX. I have a problem they are putting these transactions on my statement for me to add in to get the balance of my state statements, but I still dont see my credits, and I want my credits and these dispute should not have been all over the place and I should have received letters from them, which I never got. I should have received the letter when they get the dispute answers they dont send them, and when I put the dispute in, they never sent me a letter and said it was in dispute. They never sent me a letter saying it was a temporary credit, now I got all these charges added into my bill for the month of XX/XX/XXXX through XX/XX/XXXX XXXX XXXX another XXXX XXXXXXXX cents and whats so strange they put down XX/XX/XXXX for the {XXXX  on my XXXX bill and like I said it was cleared up in XX/XX/XXXX on my XX/XX/XXXX to XX/XX/XXXX. And when I pay my bill, I pay the full amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX transunion and XXXX have the wrong address on file! update my address to the correct information because I can't get insurance.

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX and Equifax have the wrong address on file! update my address to the correct information because I can't get insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: NY

Complaint narrative:
XXXX  credit inquiry should be remove from 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 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Company has refused to comply with validation of debt requests. XXXX states they dontr have to obtain physical proof based on there on protocol in violation and non compliant with Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) demand sent XXXX and XX/XX/2023. These non-validated debts are still being reported erroneously on my credit report. They have refused to comply with Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. Deliberately hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: Westlake Services, LLC
State: FL

Complaint narrative:
Upon checking my credit report I seen some unfamiliar inquiries on my report I went into further investigation and they were unauthorized, wasnt 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 explanation
Consumer complaint received 2024-01-16 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: MI

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach. I am requesting that this account be removed from my Equifax credit report : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2024-01-16 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: JTM Capital Management, LLC
State: TN

Complaint narrative:
I have made many attempts to have this account resolved, investigated and removed from my credit report with XXXX. The reported creditor and credit bureau XXXX XXXX are reporting unfair derogatory and inaccurate account information regarding this account ( XXXX ) with creditor JTM CAPITAL MANAGEMENT LLC. This inaccurate information is not being investigated and verified fairly by XXXX. I have reach out to JTM CAPITAL MANAGEMENT LLC about this outdated account. I never had an account with JTM CAPITAL MANAGEMENT LLC and my attempts to have this resolved and have it removed from XXXX has went unresolved. I didn't receive any notification, billing statements, or notice of default of any kind from this financial institution. But when I review my credit report from XXXX they have years of derogatory report information in this account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
First complaint to cfpb : No. XXXX ; I paid off my balance minus the late fee charges which added up to {$110.00}, on XX/XX/XXXXXXXX 
I received my XXXX statement, payment due on XX/XX/XXXX. I called CC to discuss crediting the above amount, on the basis that : 1 ) they continue to violate 26 CFR Sec.301.7502-1 : 2 ) They state payments have a 5 day grace period and all my payments have been postmarked before the XXXX and received by them within the 5 day grace period. Yet, they continue to charge a late fee ; and 3 ) The XX/XX/XXXX statement states a late fee of {$27.00}. The XX/XX/XXXX statement states a late fee of {$38.00}. No proper Notice was sent/communicated to me prior to the increased fee. 
On XX/XX/XXXX, the CC, account manager, " XXXX XXXX, stated I have no right to dispute the late fees, therefore there is no procedure for disputing late fees. This is contrary to the paragraph labeled, " Conditional Payments '' on the back of the statement, in small print. 
Account manager gave me a " one-time credit of {$38.00} '' and I paid the remaining {$100.00}, which includes approximately XXXX XXXX, for 2 undisputed purchases. 
I am a XXXX  citizen, living on a fixed income, paid on a specific date each month. I have no car. I have requested a change in my due date because of my once a month pay date. They have refused. It is impossible to schedule 2 rides-to my bank and to an XXXXby the XXXX, when I receive my income on or about the XXXX. I don't even have the cab or uber fare until the XXXX. So for my sake and all Seniors similarly situated, i.e : on a fixed income, please pressure ChaseXXXX to refund my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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 recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-01-16 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:
FCRA section 611 ( A ) ( 5 ) ( b ) ( ii ) states Experian is required to notify me 5 ( five ) business days. 
( B ) Requirements relating to reinsertion of previously deleted material. 

Remove this item because your violation my rights as a consumer

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 2024-01-17 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: MI

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ON XX/XX/year>, ( today ) I AGAIN attempted to access my online Transunion credit report and was again denied access. I HAVE tried several times over the last few weeks to access my Transunion credit report through the official " https : //www.annualcreditreport.com '' website. 

TRANSUNION has apparently acquired INACCURATE DATA which IT USES TO VERIFY MY IDENTITY when I try to access my credit report online. 
I recognize some of it pertaining to my adult children, but NOT APPLICABLE TO ME. It also uses out of date information to verify my identification when verifying by current information. Transunion is using unreliable data from unreliable data providers to verify my identity online. It has MIXED UP MY DATA WITH MY FAMILY MEMBER 'S INFORMATION. ... ... ... ... ... ...... 

ON XX/XX/year>, I sent a REQUEST FOR MY CREDIT REPORT by XXXX. CERTIFIED MAIL to TRANSUNION. As my uploaded documentation shows, I gave Transunion my legal name, my address, my date of birth, my social security number, and included true and correct copies of my XXXX  XXXX XXXX XXXX, Social Security Card, Mortgage Statement, and Utility Bill. 
I have proven my identity. 
TRANSUNION HAS FAILED TO RESPOND TO MY CREDIT REPORT REQUEST.

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