vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, 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 sent in disupte letters to dispute inaccurate information regarding my credit report. These accounts XXXX XXXX, XXXX XXXX and orignal creditor plus more accounts were showing multiple inaccursies across the board for each account from date opened, acct number, account status and remarks. Since FCRA law states I can dispute any information I feel is inaccurate i sent to all bureaus my reasoning for my removal request. I also sent in letter the FCRA law explaining their responsibility of maxium possible accuracy reporting and how they failed to follow the law, I have not heard or seen any type of repsonse to the letters I've submitted over 30 days ago. So i sent out another and made them alert that I was notifying you all.

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 2022-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Hello, We came out of a loan modification with Caliber Home Loans end of XX/XX/XXXX. 

XX/XX/XXXX When I called XXXX in XX/XX/XXXX to make my first payment after completion of the loan modification. The person I was speaking with was all confused about what I needed to pay. They finally gave me an amount of XXXX. I made the payment through XXXX XXXX on XX/XX/XXXX. 

XX/XX/XXXX I was ready to make another payment in XX/XX/XXXX and the person I was speaking with at Caliber said the amount to pay was XXXX. I was annoyed with them because they did not get it right the first time in XX/XX/XXXX. I made the payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX I checked Caliber website and noticed that my payment for XX/XX/XXXX did not show up as paid. I called Caliber and asked them to correct the problem. They said they would look into it and see what they could do. I made a payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX, I check Caliber website again and problem with XXXX still not corrected. 
I made a payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX I check with Caliber webite again and no change. I called Caliber and the said that the XXXX I paid in XX/XX/XXXX went into suspense. That I needed to pay an additional XXXX to make XX/XX/XXXX correct. I made the payment on XX/XX/XXXX. I called a few days later and they said they would fix it. I made XXXX XXXX on XX/XX/XXXX. 

XX/XX/XXXX I check with Caliber to see if they fixed the problem. Not fixed yet. I made a payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX I made a payment on XX/XX/XXXX for XXXX payment. Caliber website still show me behind a month. I called and spoke with a customer service person and now they are saying payment for XXXX was declined. I can not get them to straighten out my mortgage payments. Caliber Home Loans does not know what they are doing. Please help. 

XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX partial acct : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Partial Acct : XXXX .... 
XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX and XXXX Partial Acct : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXX XXXX XXXX Partial Acct : XXXX ... XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.S. Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX partial acct : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Partial Acct : XXXX .... 
XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Partial Acct : XXXX XXXX XXXX XXXXXXXX XXXX  NJ XXXX XXXXXXXX XXXX XXXX  Partial Acct : XXXX ... XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.SXXXX Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have contacted the collection agency, filled out and notorized their own form, this was not me, I did not live here, also is using my maiden name, collection in XXXX, may maiden name changed in XXXX, I had printed and sent a full year covering all of XXXX utility bills from where I was living, and sent their form to their legal department, no response, have contacted them through email and by phone, with my XXXX XXXX XXXX representative, no response, this collection of {$5000.00} was not me, and needs to be taken off of my credit with all of the derogatory remark. They sent me a copy of a ledger from the now closed down apartment complex, no ID, with my maiden name and another person, whom I do not know, so that is why I emailed my water bills from the time period they gave the collection for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, 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 - XXXX XXXX XXXX  Account # XXXX XXXXn {$370.00} XX/XX/XXXX XXXXXXXX XXXX Account # XXXX {$1300.00} XX/XX/XXXX XXXX XXXXr Account # XXXX {$0.00} XX/XX/XXXX KXXXX XXXX XXXX Account # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account # XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX  Account # XXXX Charge off {$1900.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Repossession {$0.00} XX/XX/XXXX, 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.

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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, 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 - XXXX XXXX XXXX Account # XXXX Collection {$370.00} XX/XX/XXXX XXXXXXXX XXXX Account # XXXX {$1300.00} XX/XX/XXXX XXXX XXXXr Account # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Charge off {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Repossession {$0.00} XX/XX/XXXX, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: VA

Complaint narrative:
Ameris Bank advised they paid my XXXX mortgage with check number XXXX in the amount of {$4900.00} XX/XX/XXXX. 

In XX/XX/XXXX I received a Delinquent Tax Notice from XXXX XXXX stating I owe {$4900.00}. I immediately contacted Ameris bank and created a case XX/XX/XXXX. I had to follow up XXXX then was told the case was taking longer XX/XX/XXXX. After XX/XX/XXXX I called again received certified mail the county will post notices on the door of the residence. I've been calling/emailing every business day since XX/XX/XXXX to try to get attention on this issue. 

After 2 months of no responses and me taking time off work to call in every few days they finally paid it but took the funds from my XXXX escrow. 

XXXX I called concerned about how my XXXX taxes will now be paid. I am told I now have to pay all these taxes when it is showing on my account the 2 payments for XXXX of XX/XX/XXXX payment of {$4900.00} and XXXX payment of {$5000.00}. 

Ameris bank not only had poor business practices with sending out payments to the wrong Tax ID, they were unresponsive for 2 months requiring me to take time off work. I see this issue not closed due to them taking funds from XXXX escrow. 

When I called XXXX I was told I will need to pay back the {$4900.00} because I was issued overpayment in XXXX. Keep in mind we closed on this property XXXX of XXXX and we were told it was overpayment. The statement did not specify 'Returned ' payment or any indication our taxes for the year were not paid. 

We had no indicated in XXXX they sent the taxes to to the wrong Tax ID. It is now 6 months later and they are telling me I have to pay an extra {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XXXX Account has been permanently suspended. When I called customer service representative told me that my account had been permanently suspended but could not give me any information told me I needed to write them a letter requesting information when asked about the money remaining in my account which is over XXXX dollars she said I would have to write a letter inquiring about my money also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX 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

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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, 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: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXi Account # XXXX, 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.

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 2022-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021 a transaction of {$4900.00} along with on XX/XX/XXXX, four more charges of {$26.00}, {$640.00}, {$1000.00}, and {$1700.00} were charged on my XXXX debit card by an unknown person. I filed a complaint first with Chase bank with their Claims department. They reversed one of the transactions ( {$26.00} ) when we filed the claim but later counted it again when they said that this transaction along with the other four were made with the physical chipped card/pin and so denied these charges. I later learned that our debit card was most likely stolen from our mailbox because we never received it. The building where our business was located sent us an email saying our mailbox is compromised and that we should take our mail before nightfall daily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I, XXXX XXXX am complaining about XXXX XXXX XXXX under the account # XXXX in which this account contains fraudulent charges and was opened fraudulent and I have no idea who the person is. I have attached the FTC reports pertaining to this fraudulent account and am pushing to have this removed from my Transunion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Modern Adjustment Bureau
State: OK

Complaint narrative:
Both accounts were closed and charged off in 2015. 

Amount owed for both accounts has increased multiple times, and accounts have been reported as new delinquency on an annual basis, resetting the clock. 

The original creditor can not validate the amount owed/charged off. The collection agency is unreachable by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX I filed a request with Experian to remove an account that was over 10 years old and closed which was a XXXX Credit Card that was closed in XXXX. They didn't do that because I filed a dispute showing that my credit report showed the account was closed in XXXX and they did delete it, but! They also show a XXXX  that was updated in XXXX which is still showing it will stay on my record until XXXX. This is NOT a credit card, it is simply Experian 's incorrectly making it look like we had a second XXXX  credit card, which we did NOT! My late wife and I had only 1 Credit card with XXXX  which was closed in XXXX. We did have a 2nd Mortgage on our home in XXXX but it was paid off and closed when we sold the house and moved to TX. This second account showing is not a credit card, it is a reflecting the fact I filed a dispute and Experian made it look like a credit card IT IS NOT! It should be deleted, there is no credit card, they should call XXXX  and confirm and then delete the listing in my credit report because it is in ERROR! 
Experian is refusing to delete this entry in my credit history, it is in error!

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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The following inquiries were NOT authorized : - XXXX Mortgage 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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Account XXXX XXXX # XXXX, 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 an account without my written instructions.

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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was approached by a male while using the ATM at Chase Bank in XXXX. 

He scammed me into depositing a check for {$900.00} in my account with a fake check. 
I then took out {$500.00}, believing that money was his. 

I deposited a check into my account for a stranger. Thinking I was helping them make a deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX  XXXX # XXXX, XXXX XXXX # 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 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 XXXXXXXX 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

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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX  XXXX # XXXX, XXXX XXXX # 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 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 XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it blatantly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from your credit report, it has been over 45 days so it should be removed immediately. I demand these items be deleted immediately or I will file for litigation for the hardship these inaccuracies costed me. Also, my information was impacted by the XXXX Data Breach and may have got into the hands of the wrong person. 

The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief