vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 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: SC

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does 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 2024-07-19 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my 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 2024-07-20 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my 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 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I recieved a American Express gift card on my birthday, in XX/XX/year>. The gift card does not expire until XXXX. I tried using it everywhere. But it doesn't work, while American Express states it can be used on almost anything, especially main shopping sites like XXXX and XXXX. So it's now just sitting there collecting dust basically. It's making me think the gift cards are a waste of money. I don't know how I can use this gift card. I need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-19 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 noticed something unusual from my credit report because there are inaccurate accounts that I do not recognize from it. I have no idea why they're reporting as mine so please check the documents I've sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: ME

Complaint narrative:
Freedom Mortgage XXXX to XXXX XX/XX/XXXX XXXX. They paid XX/XX/XXXX real estate tax in XX/XX/XXXX. 
XXXX. The XX/XX/XXXX real estate tax is outstanding in the amount of XXXX XXXX. In the next XXXX months there are the XX/XX/XXXX tax due, the XX/XX/XXXX tax due and the XXXX insurance payment of about XXXX due. 
XXXX. My current escrow balance is LESS than XXXX dollars. 
XXXX. This problem is shared by all the Freedom Mortgage holders in the town of XXXX XXXX. 
XXXX. My attempts to correct so far was a response from Freedom that they contacted the town office and problem corrected. That is not true, as there is no contact to the town office from Freedom. 
XXXX. The thread seems to be this is happening to mortgage holders that have really low interest rates. Mine is fixed at 2.25 %. 

I investigated escrow acct back to XXXX. I found that the XXXX XXXX and XXXX real estate tax payments were paid on time. The XXXX XXXX payment was made on time XXXX was not. This XXXX payment was finally made in XXXX XXXX. This 6 month late payment triggered a tax lien letter from the town of XXXX Maine.

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 2024-07-19 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: MI

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does 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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-20 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:
1. Violation of 15 U.S.C. 1681e ( b ) : The discrepancies and inaccuracies in the reported account information indicate non-compliance with the requirement to ensure maximum possible accuracy.

2. Violation of 15 U.S.C. 1681i ( 5 ) : The inaccurate information has not been deleted promptly after being disputed, as required by the FCRA.

3. Violation of 15 U.S.C. 1666B : There should be no late payments reported on this account. The account is inaccurately reported as 120 days past due, which violates the protections against incorrect billing and reporting of payments.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Park Hill Holdings
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate information appearing on my rental history report. Specifically, my report incorrectly lists an address and an eviction associated with me. I have never been evicted from an apartment. I recently applied for an apartment and was denied due to these false allegations. 

I am aware that there is another individual in the same county with my name, [ Your Name ], and birthday, [ Your Birthday ], which may have caused this mix-up. I have encountered this issue before in a different matter. Therefore, I am challenging any eviction listed on my report. 

Despite multiple attempts to rectify this issue with your agency, the erroneous information remains on my report. These repeated failures to address and correct the inaccuracies constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit reporting agencies investigate and resolve disputes within 30 days. 

Your agencys persistent failure to correct this inaccurate information after numerous disputes represents non-compliance with these statutory obligations and is causing significant harm to me by affecting my ability to secure housing. I demand an immediate investigation and the removal of this incorrect address and eviction from my rental history report. I need this matter resolved promptly as I am in the process of relocating.

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 2024-07-19 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does 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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-07-19 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: FactorTrust, Inc.
State: FL

Complaint narrative:
I am a debt bondage survivor, a form of human trafficking where I was compelled to incur debts under coercion, leading to several negative entries on my credit report. I am currently working with a representative from the XXXX XXXX, which assists human trafficking survivors. We are utilizing the protections afforded under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information associated with trafficking experiences upon the submission of an official claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2024 Money in the amount of {$330.00} was sent from my chase bank to a person I do not know using XXXX. I immediately contact chase bank and within XXXX minute i spoke to a banking associate and informed them that fraud has been committed since this individual accepted funds be it by error or criminal act from my account with out my my knowledge or authorization after a series 's of questions i contact the number associated with the XXXX  tranfer. The individual denied knowing me denied the tranfer and denied having a XXXX  acount. i provided chase with text messages conversation and phone bill receipt with date and time. Chase Investigated and denied my claim they said I authorized payment from bank XXXX account. chase Investigation Is nothing but a way to protect their bottom line they made no effort in contacting the individual or report it to authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express wrongfully denied my credit card per the deceptive " you canceled too many bank card accounts '' which does not reflect my good credit history and deceptively tries to involve not only credit card history but as if my checking 's and savings are not showing a positive review. 

I was wrongfully denied a credit card where my credit history is good and closing of promotional credit cards with a XXXX balance with other banks is a good thing and not a bad thing. I should be allowed the credit card with this bank where this promotional credit card denial is just a form of a monopoly as if it is the fault of the consumer as to deceptively entice customers as if they should not be shopping for credit cards with competitors after finishing a promotional program with another competitor, but in this case it is the fault of their screening process as to try to discredit the consumer inappropriately for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HW Holding, Inc
State: TX

Complaint narrative:
I was a victim of domestic assault, incapacitated for weeks, and The XXXX refused me a reasonable accommodation to make a payment that I never should have owed in the first place. They instead used intimidation tactics, threatening to report me to the collections, and subsequently did just that. 

The collection company reports the debt to the Credit Bureau and then deletes it, only to re-add it repeatedly, just to drop my score. When they delete the collection account it does not increase my score back to same score it was before. This is harassment and intimidation. 

This is especially egregious because I do not owe said funds to begin with. I paid an application fee for myself and my roommate, but XXXX stated they were Unable to locate my account and that the payment didnt go through. I inquired as to what was going on as I had proof the account is, not only legitimate, but the funds were in my account at the time of payment. The XXXX refused to investigate the matter, and would not let me dispute the NSF fee. 

I was forced to contact XXXX XXXX  corporate office, the management company of XXXX XXXX, to report this dubious business practice. I was then contacted by XXXX XXXX at The XXXX, who advised I did not owe the NSF fee ; I only owed the application fee and administration fee. 

Keep in mind, I NEVER lived at The XXXX. I only applied to live there. XXXX advised me I did not meet the income requirement, so I immediately signed a lease elsewhere as I had to move immediately ( I was 9 months pregnant and a victim of domestic XXXX ). A few days later XXXX advised me they decided approve me after all- but it was too late at that juncture as Id already signed a lease elsewhere. I was advised the Administration fee was refundable if I did not get approved ; therefore I do not feel I even owe the Administration Fee. 

Obviously, there are multiple points of discussion here, but XXXX single point remains : I have been unfairly discriminated against and now harassed, and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.

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 2024-07-19 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-07-20 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-07-20 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: TX

Complaint narrative:
Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.

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 2024-07-19 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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