vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THIS IS MY 4TH ATTEMPT TO RESOLVE THIS MATTER IN REGARDS TO TRANSUNION, XXXX AND XXXX REPORTING CONSUMER INFORMATION I DID NOT AUTHORIZE OR GIVE PERMISSION UNDER THE FOLLOWING LAWS : 15 USC 1681 ( a ) 15 USC 1681 ( a ) ( 3 ) 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( b )

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 2023-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had eleven late payments on an account that I was never late for. 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 account : XXXX : Account Number XXXX dates erroneously reported - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 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 on time as they should be as I was NEVER Late. Thanks,

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 2023-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc.
State: NE

Complaint narrative:
They are credit reporting and attempting to collect a debt that was covered through my insurance plan.

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 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have requested validation and proof that I owe this debt on 4 different occassions. Each time, they send the same letter that says we received your request and they send the same 1 page ledger. I always reply certified mail, with the communication email chain I had with the office showing that I provided notice. I also have provided the lease of my new location to show that I moved long before the dates that they say I owe. 

I have provided all documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the year XXXX I left the USA and returned after 10 years in the USA in this XXXX. But I found during my absence a credit card account is open using my information and was operated for a few months which I did not have any knowledge. I want this record to be moved and also some hard and soft inquires happened in past years XXXX to XXXX when I was out of country. I have proof of documents that show my entry in this year and my residence in other country during entire last 10 years. Please guide and do needful.

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 2023-05-12 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-12 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: GA

Complaint narrative:
THIS IS MY 4TH ATTEMPT TO RESOLVE THIS MATTER IN REGARDS TO XXXX, EXPERIAN AND XXXX REPORTING CONSUMER INFORMATION I DID NOT AUTHORIZE OR GIVE PERMISSION UNDER THE FOLLOWING LAWS : 15 USC 1681 ( a ) 15 USC 1681 ( a ) ( 3 ) 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( b )

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 2023-05-12 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit shows 3 hard inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Equifax Information Services XXXX XXXX XXXX XXXX, Ga Dear XXXX Equifax Information Services Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXXXXXXX**** is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
We are trying to get a partial land release from chase bank we sent them payment and appraisal fees 3 months ago, we have missed 3 closing dates and they are very vague in responses to us we cant get anything resolved. We have sent them all they asked for twice and they still want to say we are incomplete yet they wont explain why. This is very frustrating we need to resolve this issue ASAP it has been a great burden to deal with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: IL

Complaint narrative:
On XX/XX/2023, I paid my Self credit card bill. On XX/XX/2023, my card was locked and I received an email stating During a routine review of your Self account we have determined that well need some further documentation from you in order to complete that review. Self required for me to send in a copy of my ID, social and bank statement in which I provided those things to them. On XX/XX/2023 I received another email stating After carefully reviewing your customer profile, we have decided to cancel your XXXX XXXX  Account with XXXXXXXX XXXX XXXXXXXX I called self over 6 times during this process. No one could provide me with additional information. On XX/XX/2023, I received an email stating my credit card account was closed and Any remaining security deposit funds will be returned to your XXXX XXXX Account if possible. If your XXXX XXXX Account is closed, or we are unable to move the fund to your XXXX XXXX Account, any remaining funds will be returned using the payout preference we have on file in approximately 14 calendar days. I called Self again to try to understand whats going on. No one can tell me anything or let me speak to a supervisor. On XX/XX/2023. I received a {$31.00} payment from the closure of my self builder account, however, I still have not received my {$520.00} payment from my credit card account. I was informed that they will release funds after their investigation in which I havent had any updates or information about.! Ive called over 10 times and have been left with the same response. On XX/XX/2023 I received an email stating Thank you for reaching out. Your payout status is still currently under review. While, we can not disclose timeframes of our internal review processes, you will receive email notification once any available funds are released upon conclusion of our review. Its been over a month and they wont release my money. This is a secured credit card. The account was opened using money that was provided by me.! Therefore, once the account closes, funds should have been returned to me.! Ive had this account for over 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: NC

Complaint narrative:
My loan servicer, Edfinancial, started moving my loans to their new system on XX/XX/2023 as stated in an email I received from them. I was told that two weeks after the transfer process begins, I will need to register for a new online account on their website 'Edfinancial.com/MyAccount '. I attempted to register on XX/XX/2023, over two weeks after the transfer had begun. The new system told me it could not find my account, despite several attempts and double checking that I had my info correct. I contacted a support agent, XXXX, via live chat on their site. She told me that they had extended that two week period and said that the system wouldn't be ready until next week. I asked why hadn't this been communicated to me and if they would let me know when the system would actually be ready. She told me that they wouldn't be giving any notice of when it would be ready, I would just have to check back with them. 

When dealing with large amounts of money, it is frustrating when the company managing my account doesn't communicate, applies payments to the wrong loans ( see my previous complaint XXXX ), and has bad support that is difficult to get in touch with. 

Quoting their email about my account transfer : " Edfinancial Services will continue to be your student loan servicer and will remain in communication with you regarding updates to your account. '' This alleged communication has been nonexistent. I check my account regularly to ensure accurate account info, and to make sure I know when payments are due. Per my last complaint, I no longer trust Edfinancial to apply funds to my account correctly, and having no access to my account and not knowing when I will regain that access is concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Last XX/XX/2022 and XXXX XXXX this year I submitted a complaint regarding on the Bankruptcy records on my credit report. Today I am submitting a complaint for the removal of the fraudulent items on my credit report. I submitted a complaint for it Last XXXX but it was closed immediately without getting any response from the companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX is attempting to collect a debt for a apartment application i did not sign or authorize. I contacted XXXX XXXX in regards to this matter and make them aware this is a case of Identity theft and I never applied for this application via M BY XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to address a concerning situation regarding my Capital One credit card account ending in XXXX. I would like to bring to your attention the circumstances surrounding a chargeback that occurred, resulting in the subsequent restriction of my account. I kindly request your assistance in resolving this matter. 
First and foremost, I would like to emphasize that I have been a loyal and responsible Capital One customer since XX/XX/XXXX. I have consistently made timely payments and maintained a good credit standing. Unfortunately, an incident involving my XXXX, who suffers from XXXX XXXX and XXXX, has led to the chargeback and subsequent account restriction. 
On XX/XX/XXXX, my XXXX graciously offered to help pay down a portion of my credit card balance as a gesture of goodwill. However, due to the unpredictable nature of his mental health conditions, he later initiated a chargeback on the payment he made. This action was a result of his psychiatric symptoms and was not a reflection of my intention or involvement. 
I understand that Capital One must take appropriate measures to protect the interests of its customers and prevent potential fraud or misuse. However, I kindly request that you consider the extenuating circumstances surrounding this particular chargeback and its impact on my account. Also I XXXX XXXX was the original XXXX on his account for his XXXX XXXX  payments. 
To support my request, I have enclosed the following documents for your review : 1. Medical Documentation : Attached, please find relevant medical records and documentation confirming my XXXX XXXX diagnoses of XXXX XXXX and XXXX. These documents, provided by his healthcare professionals, demonstrate the influence of his XXXX XXXX  conditions on his actions. 
2. Payment Records : Enclosed, you will find bank statements and transaction records illustrating the initial payment made by my brother, as well as the subsequent chargeback. These records serve to provide a clear timeline of events and validate my account of the situation. 
3. Identity Theft Report Filed : with the Federal Trade Commission. 
4. Police Report : Signed by XXXX XXXX XXXX XXXX Deputy 5. Proof Of Identification : Driver License 6. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The FCRA requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy when assembling credit reports. Maximum possible accuracy ensure improved data accuracy for users of credit reports e.g. banks, government agencies etc who rely on accurate data to make critical decisions every day about loans, government benefits, and other important matters. 

Lenders need accurate data to perform sound risk assessments, provide terms tailored to the borrowers appropriate risk level - having the most reliable and accurate data helps CRAs maintain good consumer relationships and focus on investing in new products and services to help consumers. 

Per FTC, PERC, CFPB inaccuracies are not good for business. Having an accurate credit ecosystem will prevent duplicative information, and stay in compliance with FCRA and promote the oversight of furnishes, and enhancements to the dispute resolution function. 

To best serve me in this complaint, I need addresses to be accurate in the credit reporting system. Any potentially material errors in my credit file makes me look riskier than reality. Lenders respond to incorrect data by offering higher interest rates, less favorable terms, or denying credit if the error makes me look too risky. 

There is no liability structure for inaccurate data or incorrect information. The credit bureau check with the provider of the information that there is a claim. There is no penalty for those who repeatedly provide inaccurate information. There are no actual investigations- even if a percentage of complaints were investigated, an investigation along with penalties from providing inaccurate information would incentivize data providers to do the right thing. Credit reporting systems should effectively support the economy- it should be safe, efficient and fully supportive of data subjects and consumer rights. The value of CRAs service is in direct proportion to the accuracy of the data it provides. Higher quality data is important moving forward so that credit can better flow to those who need it. 

My vehicle as vandalized and I am currently in the market for the new auto loan. I need all information to be accurate.

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 2023-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights Under 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnishing an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under an open end and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Please be aware that failure to comply with my request may result in legal action to protect my consumer rights and seek appropriate remedies as provided for under the FCRA.

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