vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my consumer report and noticed that i had a late payment on an account that i was never late for.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 payment of this account ; XXXX XXXX XXXX XXXX  XXXX XXXXPlease investigate and provide proof with with statements showing that payments were made late.If proof cant be provided, I demand that payments be updated to on time as it should be as i was NEVER late. 

Thank You.

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 2024-04-03 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: GA

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate. 

They haven't sent me back anything about the investigation. They are ignoring my disputes. 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation 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 re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of re-investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2024-04-03 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XX/XX/2024 Notice of Illegal and Fraudulent Reporting of Inaccurate Information on Credit Profile To Whom It May Concern : I am writing to address the illegal and fraudulent reporting of inaccurate information on my credit profile. It has come to my attention that there is a bankruptcy listed on my credit report, which I did not consent to and is not accurate. 

The discrepancy identified is as follows : 1.XX/XX/XXXX : A bankruptcy filing has been reported on my credit profile, indicating that I have filed for bankruptcy. However, It is not legal to have such information on one 's credit report without their approval or knowledge. 

I have taken the following actions to address this discrepancy : 1. I contacted the bankruptcy court to verify if any bankruptcy filings had been made in my name. The bankruptcy court confirmed that they have not reported or verified any information on such filings under my name or Social Security number. 

Based on this information, it is evident that the bankruptcy listing on my credit report is inaccurate and has been fraudulently reported. I demand that this misinformation be removed from my credit profile immediately to prevent further damage to my creditworthiness and financial standing. 

I request that you conduct a thorough investigation into the origins of this fraudulent reporting and take appropriate action against any parties responsible for perpetrating this illegal activity. Furthermore, I expect written confirmation once the bankruptcy listing has been removed from my credit report. 

Failure to address this matter promptly and effectively will result in further legal action being pursued to protect my rights and interests under the Fair Credit Reporting Act. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XX/XX/year> Notice of Illegal and Fraudulent Reporting of Inaccurate Information on Credit Profile To Whom It May Concern : I am writing to address the illegal and fraudulent reporting of inaccurate information on my credit profile. It has come to my attention that there is a bankruptcy listed on my credit report, which I did not consent to and is not accurate. 

The discrepancy identified is as follows : 1.XX/XX/XXXX : A bankruptcy filing has been reported on my credit profile, indicating that I have filed for bankruptcy. However, It is not legal to have such information on one 's credit report without their approval or knowledge. 

I have taken the following actions to address this discrepancy : 1. I contacted the bankruptcy court to verify if any bankruptcy filings had been made in my name. The bankruptcy court confirmed that they have not reported or verified any information on such filings under my name or Social Security number. 

Based on this information, it is evident that the bankruptcy listing on my credit report is inaccurate and has been fraudulently reported. I demand that this misinformation be removed from my credit profile immediately to prevent further damage to my creditworthiness and financial standing. 

I request that you conduct a thorough investigation into the origins of this fraudulent reporting and take appropriate action against any parties responsible for perpetrating this illegal activity. Furthermore, I expect written confirmation once the bankruptcy listing has been removed from my credit report. 

Failure to address this matter promptly and effectively will result in further legal action being pursued to protect my rights and interests under the Fair Credit Reporting Act. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NC

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. 
**See Attachment, I have several accounts about 30 they are highlighted in Yellow has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

***I am not able to get a job in my career field or even buy a home for me and my kids. I am not able to assist my XXXX XXXX due to lack of income because of my identity fraud. This is hurting my life and my kids. I am a XXXX XXXX  and trying to live. Please remove this false negative information. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: NC

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. 
**See Attachment, I have several accounts about 30 they are highlighted in Yellow has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

***I am not able to get a job in my career field or even buy a home for me and my kids. I am not able to assist my XXXX XXXX due to lack of income because of my identity fraud. This is hurting my life and my kids. I am a XXXX XXXX and trying to live. Please remove this false negative information. Thank you

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 2024-04-03 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: IL

Complaint narrative:
Subject : Notice of Dispute - XXXX  To Whom It May Concern, I am reaching out to convey my profound dissatisfaction and apprehension regarding the handling of the account XXXX  on my credit report. Upon thorough examination, I have identified numerous clear breaches of the Fair Credit Reporting Act ( FCRA ) associated with this account, and I am hereby demanding immediate remedial measures to address this issue. 

Specifically, I am formally requesting a comprehensive debt validation, encompassing the following details : Original Contract : Furnish a complete copy of the original contract pertaining to the account XXXX, established between the purported creditor and myself. 

Original Creditor : Clearly disclose the identity and contact details of the original creditor linked to this account. 

Original Open Date : Specify the precise date of inception for the account XXXX. 

Date of Last Payment : Provide the exact date of the most recent payment made in connection with this account. 

Date Account Was Closed : Indicate the official closure date of the account XXXX. 

I am fully cognizant of my rights under the FCRA, and it is evident that XXXX has fallen short in fulfilling its obligations to ensure the accuracy and integrity of the reported information. I insist upon a prompt acknowledgment and resolution of this matter. 

Should this request remain unaddressed beyond [ 15 days ] from the date of this communication, I will be compelled to pursue legal recourse to uphold my rights under the FCRA. Consider this letter as formal notification of my intent to take such action. 

I anticipate a timely response, accompanied by the requested documentation, to be transmitted through the CFPB portal. Furthermore, I request that any amendments to my credit report be promptly reflected. 

Yours 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 non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I received a {$300.00} American Express gift card as a rebate from XXXX XXXX. I attempted to use the card at XXXX  and at XXXX all transactions were declined. When I called AMEX they let me know I should add the card to my XXXX XXXX  for ease of use, and that they would make an adjustment to allow it to load onto XXXX XXXX  This did not work. I called back in hopes of getting to the bottom of the issue ( card being declined ) and the CSR let me know that I should spend the card at a different merchant or try to use it in person, and that AMEX was protecting my account by declining the attempts to use the card. After some research I see that many consumers have had the same problem and that these cards are, in fact, not accepted anywhere AMEX is accepted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have an American Express card that I use rarely and pay off each month when I do use it. 
For period of XX/XX/XXXX through XX/XX/XXXX I received my statement showing a total of {$2500.00} in new charges which I agreed with. 

On XX/XX/XXXX, prior to the due date, I paid the invoice off in full. The next period was XX/XX/XXXX to XX/XX/XXXX in which I made no purchased but expected an invoice showing I had paid my balance but none came. 

The next period, XX/XX/XXXX to XX/XX/XXXX I did receive an invoice for showing no purchases and no payments. Although my balance does show XXXX, I have no actual documentation of the payment made on XX/XX/XXXX. 

After speaking with Customer Service I was basically told that that is how the system works and if I would have made a purchase during XX/XX/XXXX to XX/XX/XXXX I would have received an invoice showing the payment. 

I do not think I should HAVE to make a purchase to get an invoice showing that I paid my bill. I told them that if NO transactions had been made then I understand not generating an invoice. But the fact that I made a transaction ( the payment ) should generate documentation for me and apparently they do not want to provide this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Kohls collection department calls me every single day of the week, every XXXX minutes. I block the numbers, they call from new ones. EVERY. XXXX. MINUTES. 
They call from several different numbers and I know it is them because they leave voicemails each time. I have a full voice inbox every single day. That's XXXX voice-mails. I clear them, I have XXXX more the next day. ( XXXX is the XXXX amount of voice-mails my phone holds ) I have missed calls from doctors that couldn't leave me voice-mails because of this. It's absurd and it's been going on for 6 months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Upstart Holdings, Inc.
State: TN

Complaint narrative:
Late XX/XX/2024, I received a call from my parents who live in California ( my mother has the exact same name as me ). They had a process server come to their home and leave a court summons from XXXX XXXX XXXX for me. 

I called XXXX on XX/XX/2024 and spoke to XXXX. I let XXXX know that I have not lived in California for over 5 years AND the loan did not originate in California. She told me that she would contact their attorney, XXXX XXXX and get back to me. I never received a call back or an email. 

On XX/XX/2024, I called again and spoke with an agent who told me that the only way to resolve the issue is to set up a payment plan. I asked for the court portion of this matter to be handled first, as I don't live in that state. He argued with me and I asked to speak to a supervisor. I was transferred to and left a voicemail. I called back again to see if I could get XXXX on the line. I was able to get in touch with her. She told me that their records show that an attorney spoke to me on XX/XX/XXXX. This did not happen. I pulled and attached cell phone company 's call record and I did not receive any calls on XX/XX/XXXX. I can provide a hard copy aside from the screenshot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This is for loan number : XXXX Property address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

In XXXX I purchased a property with 20 % down and my property tax and insurance was escrowed. Since then the value of my property has increased. For the past 2 years I am trying to get Select Portfolio Servicing ( SPS ) to remove my escrow account and experiencing delays, misinformation, miscommunication, rejection, approval, and rejection again. I want to remove my escrow account because due to their miscalculation I am always experiencing payment shock, leaving me susceptible to not being able to cover my monthly obligation. They are ALWAYS incorrectly handling my payments and changing my payment amount due continuously. I believe SPS is either doing this deliberately so that I can lose my house, or it is due to their lack of knowledge and experience in the field they decided to practice in. This is predatory practice, and it is causing tremendous harm to my health, well-being and finances. Furthermore, my property tax has not increased since i bought the property. 

Here is a brief summary of what I experienced in the past XXXX years and if necessary, I am able to provide documents for everything mentioned below. 

- In XXXX I was told by SPS to submit the escrow removal request form for multiple times because they were not able to locate the previous forms I sent. 
Each time I had to call them and be on hold for hours. 
- In XXXX SPS told me to send the form escrow removal form AGAIN. Then my request was denied without explanation. When I called, no one at SPS was able to provide an explanation either. 
-In XXXX I hired a broker to review my documents and communicate with SPS to find out the reason for the denial. After few months, the third party I hired got so frustrated with SPS that they returned my funds, not wanting to deal with SPS any further. 
- Then hired second third party to reivew my documents and help me with SPS. They sent SPS letters and I received a letter providing an explanation for the denial, stating it is their right to keep my escrow account for property tax and insurance. However, SPS approved and removed my escrow account in XXXX of XXXX. 
- In XXXX of XXXX, I received a letter from SPS that they made a mistake and they will reinstate my escrow account. 
- Meanwhile, my monthly mortgage payments were/are changing, my escrow account is on negative and I am left to spend more money to hire an attorney this time to deal with SPS. 
- I spent so many hours reviewing their escrow account summary forms, calling them, trying to understand where my payments went, why i am short, why my monthly payments are increasing, but unfortunately all the employees in SPS are either very rude or unknowledgeable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief