vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 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: GA

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on two accounts that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/23, XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # XXXX : I dispute XXXX XXXX XXXX XXXXXXXX {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXXXXXX agreed to. XXXX XXXX XXXXXXXX has been reporting my auto loan account XXXX. 
They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 
Please delete this account. XXXX XXXX XXXXXXXX did not report this account correct for more than a year. This account is more than XXXX XXXX XXXX. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # XXXX : I dispute XXXX XXXX XXXX  XXXX {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXXXXXX agreed to. XXXX XXXX XXXXXXXX has been reporting my auto loan account XXXX. 
They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 
Please delete this account. XXXX XXXX  XXXX did not report this account correct for more than a year. This account is more than XXXX XXXX XXXX. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 explanation
Consumer complaint received 2024-02-05 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) this is a credit card company that I never applied to and they explain to me they do not have an account showing in my name. 

XXXX XXXX XXXX XXXXXX/XX/XXXX ) this is a credit card that I do not have and I did not apply for this card and it is showing on my credit report also. 

XXXXXXXX XXXX XXXX XXXX this is a credit card that I do not have and I did not apply for this card and it is showing on my credit report also. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) this is also showing on my credit report and I did not give this company permission to run a credit report on me of any kind and do not have an account with this company

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 2024-02-05 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 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 I t also states a consumer reporting agency can not furnish an account without my written instructions..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: MS

Complaint narrative:
On XX/XX/XXXX I received via mail a stall letter along with statements and a cardmember agreement from XXXXXXXX XXXX XXXX XXXXXXXX, and no proof that this account belongs to me. 

I previously requested debt validation and they have failed to provide debt validation within the 30 days, as requested and failed to remove the alleged debt. 

XXXX furthermore, advised that they are unable to provide me with documentation of my signature for this account.

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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
Account is still showing as a active charge off. Account is paid it should not be on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-02-05 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: OR

Complaint narrative:
I am writing to express my disappointment upon reviewing my updated credit report today, which revealed the presence of inconsistent, incorrect, and misleading entries that your agency has furnished on my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: OR

Complaint narrative:
I am writing to XXXX  my disappointment upon reviewing my updated credit report today, which revealed the presence of inconsistent, incorrect, and misleading entries that your agency has furnished on my files.

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 2024-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Opened the Wells Fargo account, Made my initial deposit, A few days later Wells Fargo closed my account and never refunded my initial deposit.

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 2024-02-05 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: WA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information in violation of Fair Credit Reporting Act Section 609-A one A. You are required by federal law to verify any and all accounts that you post on the credit report through physical verification of the original signed contract. Otherwise, anyone paying for your debt is most likely fraudulent. I demand to see verified proof. If you fail to comply, please remove this account from my report immediately. 

I'd like to know why you're reporting this account to my credit report. This account has been closed. Remove this account right away because of inaccurate reporting. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Last reported XX/XX/2024 {$340.00} XXXX XXXX XXXX  Original creditor 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XXXX my daughter and I submitted an application to assume the mortgage of the home we are purchasing. Nothing in the Mortgage or the Application stated the we were required to be blood relatives of the transferor. We submitted 410 pages of documents with the application. Weeks later additional documents were requested, including that we prepare an Assumption Agreement that was signed by the transferor and us. When we called to request a form to use we were told that they had no form for the Agreement. We complied and submitted 145 more documents. Today we received a vague denial letter stating that our application was denied and " Loan not assumable ''. When we called we were told that we were declined because we aren't blood relatives. At no time in the lengthy process were we told that this is a requirement, nor have we been able to get answers to our questions about this. We have reviewed XXXX XXXX Guide Section 8406.4 which clearly states that we DO NOT have to be blood relatives. Rather under section 8406.4 ( d ) " the Servicer must prepare a written assumption agreement that must be signed by all parties ... '' WE PREPARED THE AGREEMENT AND IT WAS SIGNED BY ALL PARTIES. Chase is disregarding and misapplying the rules and if this was a requirement why not disclose it up front and not even accept the application. We strongly suspect that Chase is not being honest. Since our credit is excellent and we meet all other requirements we believe that they denied our applications because of my age ( XXXX ). This entire process was ridiculous and so shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: UT

Complaint narrative:
Back in XXXX of XXXX, I received an email from XXXXAmerican Express advising that for each additional cardholder that was added to my account, I would qualify for a 10,000-bonus mile credit up to 4 authorized users. I took advantage of the promotion, added the users to the account thru the link that was provided in the email. After the qualifications were met, I reached out to Amex in XXXX, XXXX, XXXX, XXXX, and each time I was told that the credits would post XXXX weeks after the qualifications had been met. The qualifications were met no longer than XX/XX/XXXX on XXXX, XXXX, and XXXX. I reached out to them on XX/XX/XXXX and was told I needed to request credit from XXXX, after reaching out to XXXX, I was advised that I needed to reach out to AMEX. Today on XX/XX/XXXX I was told that their research team said that despite the information provided by me, there was no promotion offered, despite me receiving one of the XXXX bonus miles for one of the additional users on XX/XX/XXXX to my sky-miles account with XXXX. I have tried to resolve this now with over ten hours of manpower, and still am being told XXXX weeks, however, according to XXXX, they do not see any promotion pending on their end. I am getting conflicting information ; I am owed still XXXX bonus miles for XXXX XXXX, XXXX XXXX, XXXX XXXX. It appears that the one credit for XXXX was credited for XXXX XXXX. During today 's interaction I was not given a case number with Amex by the specialist, I was given this verbiage. " I am afraid, case number is something an internal id, and we are unable to share it. However, you can keep chat id as reference : XXXX '' I was also told this by the specialist. I see that a case was opened for this, and our team updated that there was no such promotion available against the additional users. After reaching out to XXXX today, I requested to speak with a customer advocate Research Specialist, and the person that I am working with is not a customer advocate specialist, she keeps reiterating 8-12 weeks. The terms and conditions were met. Now I was just told that the promotion started in XX/XX/XXXX, despite, me receiving an email on XX/XX/XXXX and adding the users on XX/XX/XXXX. ( XXXX, XXXX, XXXX ). Each time I reach out, I am told something different. The only thing I can think of, is that when Fraud was reported under the old card number XXXX it invalidated the promotion that was on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
Mercedes is reporting derogatory account two and three times a month. Recently they reported it on the XX/XX/year> and again on XX/XX/year>. They are over reporting to try to sabotage my credit. Give me my car back since its just sitting in the tow lot. I only know because Mercedes never sent me any communication, so I called the towing company that repossessed my car and they told me its still there as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: GA

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed one account that i wanted a little more explanation ; this account ( XXXX XXXX XXXX ) is SPECIFICALLY reporting INACCURATE. I have been sending in numerous letters for the past few months and I have not gained any recognition on my dispute!!! On each credit bureau the information is reporting un-accordingly on Numerous details and TransUnion, XXXX, and XXXX refuse to hold this creditor accountable!! the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Each credit bureau is VIOLATING my rights and this law! 

15 U.S.C. Sec. 1681i ( a ) States that if you can't provide proof, these accounts must be deleted. Well I want this account deleted lf they are not XXXX percent correct on all XXXX bureaus So, could you please check on this account and get back with me? I met with the state board where a lawyer says you have 30 days to complete this investigation. 
Please investigate the following account and remove them if anything is missing or not correct on them. 

Type of Account : Charge-Off Action Requested : You Have disobeyed the FCRA laws PLEASE investigate if every piece of information is correct. If not, please remove it from my credit report. Also, please let mo know who had access to my fle. I want the investigation outcome to be sent to my address! put on the Headline. Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect. Thank you for your time and help in this matter.

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 2024-02-05 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: NY

Complaint narrative:
Received two American Express - AMEX gift cards. One for {$100.00} and one for {$25.00}. I have exhausted myself trying to use them and calling the number on the back of the cards. No help what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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 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 I t 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 2024-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Our loan service provider was switched to XXXX. I was informed in XXXX that our XX/XX/scrub>XXXX XXXX  taxes were past due. I reached out to PenFed in XXXX and they assured me that they would take care of it. In XXXX a tax lien was sold against the property. The total amount due is far more than we thought we would be paying and I don't know how to proceed. I've been told that the tax department at PenFed does not have any way for me to talk to them. I feel like I am losing my property because my mortgage loan servicer will not pay my taxes.

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 monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This account is 7 years old and is still reporting on my credit. I thought that according to federal law, negative items on credit reports were to be removed and deleted after 7 years. I have reached out to the creditor and the credit reporting agencies multiple times requesting the deletion of this account but they continue to be negligent. 

The details of this account can be seen below : XXXX XXXX XXXX XX/XX/year> {$3900.00}

Company response to consumer: Closed with explanation