vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXXXXXX XXXX was supposed to contact trans union to removed the inquiry from my credit report back in XX/XX/202XXXX 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 2024-03-03 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: TX

Complaint narrative:
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.

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 2024-03-03 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts, reporting that I do not recognize

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 2024-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My escrow was raised 3 times higher than it was, This caused my payment to double. 

There is a very big mistake My real estate are XXXX My homeowners insurance is XXXX a year at XXXX How am I being escrowed XXXX This is a big mistake at BANK OF AMERICA I need my escrow to be calculated correctly. I have had homeowners insurance the entire 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 non-monetary relief
Consumer complaint received 2024-03-03 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: GA

Complaint narrative:
There are several acct on XXXX report that need to be removed if not updated. Several accts have been paid as agreed and removed from Equifax or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My account was closed on XX/XX/24 out of no where I got an email and text message to call Chase before my account close I called them they stated that my account is restricted I called and ask why no answer at all I ask could I go into the branch to get some type of funds due to me having a XXXX and I didnt have no money on me at all and whats in my account is all I have they stated they was sorry and I can try to go to the bank and talk to a bank manager long story short I went to the bank and the bank wasnt no help at all I dont understand how can a bank just up and close your account and cant even give u a reason I am still without funds for me and my child

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I placed an order with XXXX on XX/XX/XXXX for the same as cash for total of {$2600.00} so an account with Synchrony was open. Delivery was to be made on XX/XX/XXXX. On that day only part of the order was delivered due to items damaged and /or missing. I called to follow up on the order after many calls. I received my first bill for the order, and it was for {$2700.00} which was incorrect. I then called XXXX due to the incorrect bill and not having all my order. XXXX did adjust the delivery fee of $ XXXX due to not getting all my order. Over time I continue to reach out to XXXX so see about my order with no response until XX/XX/XXXX I made a post on XXXX in which XXXX then contacted me. I was then able to reach someone at Synchrony how open a dispute and I was told no payment needed to be made at this time. I was told that XXXX should not have charged me for items that I did not get but that was not the case. After going back and forth with Synchrony I paid for only the items I received on XX/XX/XXXX. Synchrony did adj the total to the correct amount of order. I then received notices about late fees and explained I was not paying for items I had not received. Plus while the dispute was open with Synchrony they state on their letter that if you have disputed this debt, please disregard this letter. I then contacted credit bureaus to dispute but Synchrony stated they did nothing wrong. I received the rest of my order over a year later, on XX/XX/XXXX and made payment in full. I continue to dispute the late fees and they continue to report information is correct. On XX/XX/XXXX I received the first refund of late fees on statement for ( {$730.00} ), second refund of late fees on statement dated XX/XX/XXXX ( {$350.00} ) and the last refund of late fees on statement dated XX/XX/XXXX ( {$54.00} ). They admit no wrong saying they can refund late fees but did not have to correct the reporting to the credit bureaus as they would get in trouble for incorrect reporting. I need the payment history corrected on my reports due to not only errors may by XXXX for taking over a year to get my order yet being charged on XX/XX/XXXX. Synchrony not looking into the dispute properly at the time I request them to review and for not fixing the incorrect reporting to the bureaus. Now over the past 3 years they have found errors after telling me there were none. They don't mind giving me the refund for late fees years later but don't want to acknowledge their error because they could get in trouble with no regard to how this impacts my credit. I even tried contacting the XXXX, but they believed what Synchrony stated so nothing was done.

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 2024-03-03 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-03 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I don't owe anything to this collection agency. Is from an insurance that tried to get me into a contract which I never agreed nor signed any contract I made all monthly payments in advance like they required. I followed they're instructions to cancel I spoked to one of they're operators to cancel this the second time that they do this to me Is hurting my credit I'd pay each month that I was covered. The remaining balance is months that I wasn't covered because I cancelled. They're tried to get me in full year which I never signed. They don't explain that to customers what they imposing. But I was cleared to the operator when I started the insurance that I wanted a month to month policy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-03 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: IL

Complaint narrative:
I recently reviewed my credit report and seeing accounts being reported that I dont recognize

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 2024-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RS Clark and Associates, Inc.
State: MN

Complaint narrative:
This debt that has been included in my XXXX bankruptcy keeps being reported to XXXX credit bureau. I keep disputing it and it keeps getting reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently checked my credit report, and it showed accounts reporting that I do not recognize

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 2024-03-03 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: IL

Complaint narrative:
I recently checked my credit report, and it showed accounts reporting that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: IN

Complaint narrative:
I noticed unauthorized inquiries reporting on my credit file & I would like them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Will not agree to settle, will not lower payments or refinance, harass me and call two to three times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
BMO Harris seems to lose my postal money order for 7 straight months until we face them with tracking money order number and the date it was cashed. They harass us at work and email daily plus 5-7 calls per day. We are not one minute behind on the payments and yet have been charged over a XXXX dollars in late fees. It seems they are not well setup with payment processing. Weeks after each money order is cashed the calls still continue. This is very unprofessional behavior and causes my family a lot of unnecessary steps and XXXX  for no reason having to argue on the phone for an hour every single months for over 6 straight months now. It angers me and causes my wife to have daily stress. Please help us. We need to get rid of amateur loan sharks

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 2024-03-03 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: MO

Complaint narrative:
I have submitted multiple disputes with no resolve. Different info is being furnished to all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: MO

Complaint narrative:
I have submitted multiple disputes with no resolve. Different info is being furnished to all 3 credit bureaus.

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 2024-03-03 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
All three of my report dont say the same thing so I didnt see it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Recovery Services, LLC
State: MN

Complaint narrative:
Absolute Recovery SE is trying to collect a debt that I do not owe. They stated the original creditor is from XXXX XXXX XXXX. I do not owe the original creditor. I have been disputing the charge of XXXX dollars that is claimed by Absolute Recovery SE and its still continued to be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-03 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: VA

Complaint narrative:
alot of incorrect information, addresses, phone numbers, date of birth, employment

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 2024-03-03 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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:
XXXX All of XXXX, vehicle finance managers are requesting co-signer based on the credit report negative deficiencies inaccuracies. 

The XXXX XXXX is showing negative, inaccurate lien holder, lack of increase of credit score. A XXXX XXXX XXXX and a van is a positive credit history, non-report, and depleted. All collections accounts are under a hardship program for me which does not show in the credit reports. A loan for {$56000.00}, {$27000.00}, {$36000.00}, and {$22000.00} school name is XXXX consolidation does not match outstanding balance or loan amounts. Because of all of these deficiencies, there is no brace or aid that will suffice all The ruins on my credit report. 

To resolve, I dont want my name and character to be ruined or denied. I dont want creditors to deny cause of that info in my report. 

Please get back with me in 7 days or by the XXXX for a resolution change in credit report account information to meet creditors needs. 

Thank you, 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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX of XXXX, vehicle finance managers are requesting co-signer based on the credit report negative deficiencies inaccuracies. 

The XXXX XXXX is showing negative, inaccurate lien holder, lack of increase of credit score. A XXXX XXXX XXXX and a van is a positive credit history, non-report, and depleted. All collections accounts are under a hardship program for me which does not show in the credit reports. A loan for {$56000.00}, {$27000.00}, {$36000.00}, and {$22000.00} school name is XXXX consolidation does not match outstanding balance or loan amounts. Because of all of these deficiencies, there is no brace or aid that will suffice all The ruins on my credit report. 

To resolve, I dont want my name and character to be ruined or denied. I dont want creditors to deny cause of that info in my report. 

Please get back with me in 7 days or by the XXXX for a resolution change in credit report account information to meet creditors needs. 

Thank you, 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 2024-03-03 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: VA

Complaint narrative:
alot of incorrect information, addresses, phone numbers, date of birth, employment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: VA

Complaint narrative:
alot of incorrect information, addresses, phone numbers, date of birth, employment

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