vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. There is a late payment reporting on XX/XX/year> which I know for a fact was paid on time. The consumer reporting agency needs to report all information with complete accuracy. I'm now requesting that the late payment reported on XX/XX/year> be updated to paid on time immediately. I recently contacted my creditor to discuss the late payments listed on my account, and they confirmed that I have no late payments in. Despite this confirmation, the bureau has refused to delete and remove these inaccuracies, leaving me feeling taken advantage of and powerless.Thank you for your understanding and prompt action. I have included the account number below. 

Account # : 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 2024-04-24 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. There is a late payment reporting on XX/XX/year> which I know for a fact was paid on time. The consumer reporting agency needs to report all information with complete accuracy. I'm now requesting that the late payment reported on XX/XX/year> be updated to paid on time immediately. I recently contacted my creditor to discuss the late payments listed on my account, and they confirmed that I have no late payments in. Despite this confirmation, the bureau has refused to delete and remove these inaccuracies, leaving me feeling taken advantage of and powerless.Thank you for your understanding and prompt action. I have included the account number below. 

Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I do not recognize these inquiry. 
XXXX XXXX XXXX XXXX XXXX - XX/XX/24

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 2024-04-24 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: FL

Complaint narrative:
Date To whom it may concern, On day XX/XX/XXXX, I looked at my report. I sent a letter to Transunion on day XXXX XXXX asking them to reinvestigate these accounts : XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXXXXXX And here is my tracking number : XXXX On day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer, and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Transunion really did not reinvestigation they lied on an offical document saying they did something they did not do and i have evidence to prove my case.

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 2024-04-24 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:
A Charge off is considered a certificate of indebtedness. please remove from my credit report. This information is being reported inaccurately. I understand I have rights under The FCRA that states any account reporting incorrectly will allow me to seek compensation for Each violation. I understand that is also illegal to report transaction history. 

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A Charge off is considered a certificate of indebtedness. please remove from my credit report. This information is being reported inaccurately. I understand I have rights under The FCRA that states any account reporting incorrectly will allow me to seek compensation for Each violation. I understand that is also illegal to report transaction history. 

XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
I'm expressing my disappointment in the lack of thoroughness in verifying the accounts listed below. 
XXXX XXXX ( Account # : XXXX ) XXXX XXXX  ( Account # : XXXX ) XXXX XXXX  ( Account # : XXXX ) Upon comparing my credit reports from various consumer consulting agencies, I found discrepancies between TransUnion report from other credit bureaus, raising concerns about the accuracy of their information. 

Specifically, the account associated with XXXX  XXXX ( Account # : XXXX ) has been verified as incorrect and incomplete by XXXX XXXX leading to its deletion from their records. I urge TransUnion to align their records with XXXX, as they all reference information from the same creditor or furnisher.

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 2024-04-24 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I did a short sale in XX/XX/XXXX, where the same law firm represented the buyer and the seller, which I was not aware of until after the transaction was completed. I moved out of my home prior to the closing date in XX/XX/XXXX. New buyers moved into the property after the closing date ( XX/XX/XXXX ). Later on I found out from the XXXX XXXX XXXX that the short sale was never recorded and the attorneys at the law firm stole the money, the down payment from XXXX XXXX ( buyer ) paid to XXXX XXXX 's law office. The deed was never recorded and the property remained in my name and my underlying mortgage was not paid. 

Confessions of judgment in which both XXXX and XXXX acknowledged receipt of mortgage loan funds ( {$310000.00} ) from XXXX  XXXX XXXX on behalf of XXXX XXXX for the purchase of the property. Both attorneys were indicted. On XX/XX/XXXX, XXXX XXXX, plead guilty to XXXX XXXX XXXX XXXX XXXX in the first degree and grand larceny in the second degree, she admitted to the fraud and misappropriation of funds. On XX/XX/XXXX XXXX XXXX XXXX, XXXX pled guilty to Criminal facilitation in the fourth degree, he admitted to being responsible for facilitating the fraud and misappropriation of the funds committed by XXXX XXXX. 

New owners took possession of the property ( XXXX family house ) and after finding out that the property was not transferred to them, they continued to live in the house ( for free ) not paying the mortgage or rent to me while collecting rent from the 2nd floor and basement apartment. They lived on the property from XX/XX/XXXX ( after closing date ) until XX/XX/XXXX which was when I was finally able to evict them. My bank PHH Mortgage started a foreclosure proceeding against me in XX/XX/XXXX and knowing all the facts that I had not possession or occupancy of the property and the Persaud took possession of the property and occupied the property they are now refusing to do a loan modification. I am begging for your help in trying to get this matter resolved once and for all. I am a XXXX  mother with XXXX girls and my home was robbed from me and now that I finally got possession of my home again the bank is refusing to do a modification on the loan and it trying to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Title 15 of the United States Code ( 15 USC ) section 1681 outlines the right to rescind under the Fair Credit Reporting Act ( FCRA ). This provision allows consumers to dispute inaccurate or incomplete information on their credit reports and request corrections or removal of such information. The right to rescind ensures that individuals have a means to protect their credit information and financial reputation. 

I have uploaded information about this creditor AWA it was removed before and was put back on my credit profile by law that is illegal for them to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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:
on or about XXXX i filed a complaint ( included in the complaint was a copy of my new york state drivers license with current address, bank statements, 1099, and etcc ) with XXXX XXXX XXXX XXXX concerning incorrect or/and fraudulent personal information on this writers personal credit profile. on or about XXXX XXXX responded requesting the same identifying information that was already submitted on XXXX so one XXXX this writer filed a complaint with the CFPB for deliberately refusing to address this writers complaint. after several days XXXX responded to the CFPB complaint repeating the same lie/excuse they need more time. on or about XXXX XXXX sent a letter to this writer repeating the same lie/ excuse/. ( see attached letters from XXXX ) This company is KNOWINGLY, DELIBERATELY and WILLFULLY attempting to sabotage this writers credit and financial future. In addition, once again, XXXX is in violation of 15 usc 1681 and the previously settled class action lawsuit ( XXXX ) In addition, the same request to remove incorrect addresses was submitted to transuion and XXXX. XXXX timely removed the incorrect / fraudulent addresses. ( see attached )

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 2024-04-24 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up and was approved on XX/XX/XXXX for an American Express Gold card with the sign up bonus or XXXX points awarded after {$6000.00} spend within 6 months. When I contacted Amex to confirm my welcome offer, they told me that when I had applied for it, sometime in XXXX, the offer was XXXX points and so I would not be receiving XXXX points. 

The terms in fine print explicitly states that if someone were to be ineligible for the welcome offer, then they would be notified so they can cancel the application. I was never notified and would not have signed up without the extra XXXX points. 

The XXXX offer is still going on now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XXXX XXXX I went to XXXX XXXX. I got a receipt of {$52.00}, then I checked my balance card and was charged {$75.00}. I disputed the charge and called the theater company and I was told that they used {$20.00} extra on my card as a hold fund. They said, to give it two days, if it doesnt clear I need to dispute with my my bank. The two days passed and I saw that the {$20.00} was reflected off my bank card. So I paid the {$52.00} that I owed on XX/XX/XXXX. Now today, I see that they added {$52.00} that I need to REPAY. Even though paid my owed balance and was told I need to pay again because it was credit given to me that time, even though the balance was readjusted to proper amount and I paid it. I still need to pay regardless that I didnt even use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: GA

Complaint narrative:
I have an account with Crypto.com. 

Starting in XXXX I have not been able to sign in to account. 
I have been back and forth with customer no service for months. 

The problem is the email I signed up with no longer works. 
I sent them new email info and just get caught up in this doom loop of no service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
I filled a dispute on XX/XX/XXXX because I returned some products to XXXX and havent received a refund in a month. Was told I would receive a provisional credit and now when I called on XX/XX/XXXX to check on this dispute I am being told that credit is not guaranteed. Even if it takes longer than XXXX days. 

The rep on your phone call even tried blaming me for this mixup and confusion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-24 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: Uplift, Inc
State: FL

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

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: NJ

Complaint narrative:
I filed on XX/XX/2024 A complaint regarding my credit to consumer protection, and the XXXX XXXX XXXX. Today makes 32 days and according to the federal fair credit act if disputed items are not proven to be mine within 30 days, they must be removed from my credit report. 

and makes and they need to be removed. 

According to the three credit bureaus, they are still working on my complaint, and they need more time. Thats fine but the federal law says they get 30 days and today is 32 days.! Those credit viewers remove these items from my credit report ASAP so we can be done within investigation thank you. 

Please advise. Thank you. Have a good day. 


Thanks 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 2024-04-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed on XX/XX/year> A complaint regarding my credit to consumer protection, and the XXXX XXXX XXXX. Today makes 32 days and according to the federal fair credit act if disputed items are not proven to be mine within 30 days, they must be removed from my credit report. 

and makes and they need to be removed. 

According to the three credit bureaus, they are still working on my complaint, and they need more time. Thats fine but the federal law says they get 30 days and today is 32 days.! Those credit viewers remove these items from my credit report ASAP so we can be done within investigation thank you. 

Please advise. Thank you. Have a good day. 


Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: FL

Complaint narrative:
XX/XX/2024 - {$2200.00} The company has deleted this item from XXXX. 

XX/XX/2024 - {$1400.00}. The company has closed this item on TransUnion. 

XX/XX/2024 - {$2200.00} is still reporting on XXXX and TransUnion XX/XX/2024- {$1400.00} is still reporting on XXXX, XXXX and TransUnion

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 2024-04-24 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: PA

Complaint narrative:
Hi, I've noticed additional incorrect information on my account such as unknowledgeable addresses listed on my file as well as place of occupation. I am a victim of identity theft, and I would like this information removed and updated with the correct personal information about myself. Please advise. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: IN

Complaint narrative:
I have had the same balance and same last payment date for the last year under my XXXX  report. But states I'm 100 % payments on time.

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