vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: SC

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Omega RMS, LLC
State: GA

Complaint narrative:
I have disputed Omega RMS countless amount of times since 2020. I have requested all communication be dont through mail and proof of the original contract, original creditors info, wet signature payment history and proof of ownership send to me showing I authorize this with my signature or pay me {$1000.00} per violation. They have not provided any of this information and continue to call and threat me about making a payment to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: ALLIANT CREDIT UNION
State: NC

Complaint narrative:
On Sunday XX/XX/2023, I logged into my on line account with Alliant Credit Union, Member care center : XXXX Corporate offices : ( Not open to the public. No branches or ATMs. ) XXXX XXXX XXXX XXXX, XXXX, IL XXXX When I log in, an access code is sent to my phone. I did not receive the text, and per the message online, I tried numerous times. I was then locked out of my account and called customer service ( in the XXXX  of XXXX ), only to be told that the XXXX XXXX department would not be in till XXXX am on XXXX.I called Monday morning, was told there was nothing they could do, and it would take XXXX for the XXXX department to respond. Fast forward XXXX hours + to today, was just told again that I am unable to access my account, and they could not give me access and another " ticket has been sent to IT and hopefully by Friday they will have an answer. I have over {$120000.00} in XXXX 's with Alliant and this is an outrage that I have no access to my account, and it's been 4 days without an answer/correction to allow me to do so..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
I signed up for credit monitoring services with MyFico in XX/XX/2022. I noticed that XXXX and TransUnion were reporting XXXX 30 day late payments on an old credit account. I've never missed a payment on anything. It's rare that I even carry a balance on any of my credit cards. I mailed XXXX and TransUnion letters on XX/XX/2022 to ask them to correct the errors on my credit report. I did not receive a response back from either. On XX/XX/2022, I wrote a second letter to both XXXX and TransUnion requesting that the inaccurate information be removed from my credit report. I included a copy of the first letter that I mailed on XX/XX/XXXX. It is now XX/XX/2022 and the XXXX 30 day late payments are still showing on my credit report. Nothing has been done. I haven't received a response in almost 4 months. I wasn't even aware that this was hurting my credit until I applied for a project loan with XXXX XXXX and I was told the interest rate was higher bc of my credit score. I immediately searched online to see how to obtain my credit report. I also read that I should monitor my credit bc inaccurate information could be on my credit report. So I signed up with MyFico and I discovered that I am being directly affected by these XXXX inaccurate late payments. I've never had to deal with anything like this and it has caused me to pay unnecessarily higher interest rates. There's no way of actually speaking to someone via phone. Both websites just gave mailing addresses. Please help me resolve this. There seems to be no way to get these inaccurate late payments removed.

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 2023-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: MO

Complaint narrative:
Today, XX/XX/XXXX, I got a call from XXXX XXXX XXXX saying that I have a XXXX charge that I need to pay but it's under the name XXXX XXXX. My social sec card and driver lisrnce was stolen in XXXX and someone may be using my identity. I don't even own a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX, 2023 RE : XXXX To whom it may concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As a consumer, I am demanding a deletion of ALL inquiries listed on my consumer 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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I was behind on payments after being injured in a car accident. After a short recovery period I diligently submitted payments to bring my account current. My last payment a lump sum of {$15000.00} was sent certified mail with copies of the receipt and filled out payment coupon. The company Mercedes-Benz financial acknowledges receipt yet states that since it hasnt been fully processed my car will be repossessed. Ive contacted them and sent emails asking to speak with a supervisor yet they say theres nothing they can do and that if a tow truck arrives to take the vehicle I was advised to let them take it. I explained this is patently unfair since I have no control over the speed or delay in their processing payment. They refused to provide a written response or delay repossession efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents 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 2023-02-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents 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 explanation
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
The bureau is in violation of law. XXXX is not a licensed debt collector in the state of Texas and therefore can not legally submit or " verify '' any information on my behalf to any third party agency, according to the Texas Treasury Website. They have submitted this information and are not legally licensed to do so, Please SEE ATTACHED VERIFICATION. This inaccurate, false account must be deleted immediately. As you can see via my report, no other bureau has accepted this illegal information. 

DELETE : 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 2023-02-01 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: LA

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a letter in reference to incorrect personal information in my credit profile that has never been associated with me, yet they still are reporting this information. I attached my driver 's license as proof. 


This is the only personal information that should be on my report. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX It is unlawful to report information on a consumer 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 2023-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Zarzaur and Schwartz, PC
State: AL

Complaint narrative:
I had a car with XXXX XXXX  in XXXX and they repossessed the car in XXXX while I was still making payments complaining about late fees that they attached to my regular payments. They have been trying to get {$7000.00} out of me and now they have garnished my wages and I have called Zarzaur and Schwartz repeatedly to stop the garnishment and I would work out a settlement. They refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Shellpoint has reported my account 30 days late I made my payment on the XXXX of this month my account is not past due at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My bank, Chase, has raised my loan rate 8 times for a total of XXXX basis points since 2021 but has not raised my XXXX XXXX savings account rate by a single basis point and still pays me virtually XXXX on my savings. Why are they permitted to get away with that. It is just another example of big bank greed at the expense of mom and pop savers!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
While traveling over XXXX, I accidentally missed a payment on my Chase Freedom credit card that was due on XX/XX/2022. The amount due was {$2000.00}, and as soon as I noticed my mistake 4 days later I paid the full amount of {$2000.00} on XX/XX/XXXX. 

I knew that both a late fee and interest on the balance would be charged, and sure enough the next statement from Chase charged me {$42.00} in interest and {$28.00} in Late Fees. The statement was dated XX/XX/XXXX and covered the dates of XXXX - XXXXXXXX XXXX. My payment of {$2000.00} on XX/XX/XXXX was included on this statement. 

That bill was due on XX/XX/XXXX, and I paid the full statement balance ( including the interest and fees ) on that date. As far as I was concerned, that was the end of the fiasco - I had paid the full penalty that was owed due to my missing the XXXX due date by 4 days and my balance was back to XXXX. 

On XX/XX/XXXX, a new interest charge of {$19.00} was charged to my credit card and included on my statement of the same date. I called Chase to inquire why I was once again charged interest on this statement, even though I had paid my bill in full on XX/XX/XXXX and again on XX/XX/XXXX ( the latter payment also covering all fees and interest charges accrued in the 4 days between my XX/XX/XXXX due date and my XX/XX/XXXX payment date ). 

Chase responded that because of my late payment, there was an unpaid balance on my account that continued to accrue interest throughout the month of XXXX until my payment on XX/XX/XXXX. There was no indication in my online account portal that any such charge was accruing, and the statement dated XX/XX/XXXX made no mention that any balance was accruing interest. It simply stated the amount that was due on XX/XX/XXXX, which I dutifully paid in full on that date. 

Despite the fact that they did not provide me any communication that there was a balance accruing interest daily ( or even include this information on my online account portal ), Chase flatly refused to reimburse the {$19.00} they charged in interest on the XX/XX/XXXX bill. 

In short, Chase charged me interest without communicating to me that this was happening and refused to reimburse me for it. I do not believe this was either fair or ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: NC

Complaint narrative:
I am a victim of identity fraud. I have been requesting TransUnion to remove the fraudulent accounts from my consumer report due to the transactions not belonging to me. TransUnion has responded stating that the accounts are verified however they have not sent the proof of the fraudulent accounts being verified. I have not received any documents with my signature on them or any validity of contracts. I have not attempted to obtain any form of credit in several years so I should not have any inquires reflecting on my consumer report. I have submitted police reports, showing that my personal information was stolen in XXXX. I have submitted my social security card and ID to show that I am who I claim to be. I have called serval times and spoken to TransUnion along with written communication and they have failed to remove the inquires and fraudulent accounts. At this point I am being victimized my 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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a letter in reference to incorrect personal information in my credit profile that has never been associated with me, yet they still are reporting this information. I attached my driver 's license as proof. 


This is the only personal information that should be on my report. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX New Jersey XXXX It is unlawful to report information on a consumer 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 explanation
Consumer complaint received 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Delete hard inquiries listed below:

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

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 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. 
See the documents 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