vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-02 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Regrettably, TransUnion has failed to respond to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act. 
Upon reviewing my credit report, I discovered the following inaccurate information that requires correction : 1. Account Name : XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$260.00} 2. Account Name : XXXX XXXXXXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$2800.00} 3. Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$710.00} 4. Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$940.00} 5. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$8500.00} 6. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3500.00} 7. Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6300.00} 8. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3600.00}

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 2023-07-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This company is reporting a late payment for XX/XX/2023 but this account has never been late for the life of the loan. Its simply rude representatives that do not care anything about the consumer or trying to resolve an issue that is of no fault of the consumer. This company responded to a complaint but omitted key information. The company failed to disclose that each time I called them I explained to them that I mailed in the first letter in the appropriate amount of time and was repeatedly told by the representatives that there was nothing they could do to help me and that I just needed to make regular payments. I kept calling. I did not just decline as they put in their response. That doesnt make any sense why someone would continue to call just to decline to pay. I explained that I was on military training in an XXXX XXXX and could not receive phone calls or mail from XXXX XX/XX/2023 to XXXX XX/XX/2023. This company is lying by leaving out so many important facts. I gave them proof that I was on military duty and the representatives laughed at my situation over the phone. I could only use the phone a few times. I sent that paperwork through the mail and whoever accepts the mail for the company did not get it to the right place. The included apology is just another slap in the face. Im never buying another XXXX after this. A horrible way to treat military when I called repeatedly telling you I could not accept phone calls or receive mail and that I needed to handle the situation while I was on the phone calling YOU. I have provided proof that I was on military duty. This company is reporting this situation inaccurately. This is in violation of 15USC code 1666b. The company is also violating 15 USC code 1681i ( 5 ) by reporting inaccurate information. They keep saying that they did not receive a form back however I have repeatedly called and told them that I mailed the form in as instructed on the form. They can not provide any proof that they did not receive the form that I sent in. The requirement to provide proof is on the company and they have not done that. They just want to take advantage of a military member that had no way of contacting them except sporadically due to training. They are even misspelling my name in the responses, continuing with what seems to be the standard of reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not Furnish a 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 2023-07-02 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: FL

Complaint narrative:
" I settled the account, and it was removed from other credit reporting scores, but it has not been removed from my TransUnion score yet and also my XXXX score. Before I opened a new policy with XXXX XXXX XXXX, I paid off the remaining balance of {$120.00}. I chose XXXX because I believe they have my best interests in terms of insurance. Additionally, I have already paid my first month 's bill. ''

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 2023-07-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: TX

Complaint narrative:
I have tried numerous times to solve this issue with experian and transunion and they continue to willfuly ignore what I am telling them to do. I have asked them to remove the following addresses from my consumer report XXXX XXXX XXXX, mi XXXX I have never lived there and also XXXX XXXX XXXX XXXX tx i also do not live there the only address that should appear on my report is the address in this complaint. Also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is any other promotional inquiry that is not suppose to be there because I did not put it there. XXXX is also reporting negative remarks on my consumer report when the account states that it has been discharged, and XXXX XXXX sent me copy b of a 1099 c they have done which states they have discharged the debt I also opt out of any promotions due t the privacy act of 1974. XXXX and Transunion continues to do what they want to do with my consumer report and they are not complying to federal laws. Also the following companies are reporting that they continue to have deleted from my XXXX XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX  They have not sent me a free report due to identity theft they continue to want me to pay them and all the promotional inquires lets me know that they continues to sale my identity to companies which is against the law when i have already opted out of them doing so years ago.

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 2023-07-02 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: NY

Complaint narrative:
I have told experian, XXXX and XXXX that I was a victim of identity theft. someone was even filing taxes under my name. I have a report number of identity theft with the irs, also have a report of identity theft on the federal trade commission on identitytheft.gov and that report number is XXXX they are reporting all these accounts as verified 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 explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I had a technical issue with the citi.com website that prevented me from being able to make a payment on time in XX/XX/XXXX. It happened again in XXXX, and I was charged a late fee. When I complained I was told I had been given a break in XXXX, and thus the late fee couldn't be forgiven. I argued that no way should I be held liable for a late fee when it was their website that was the issues, and I sent screenshots to prove it. I escalated the issue, got nowhere, so I found the CEO of Citi 's email and emailed her. ( XXXX XXXX ). Within a day her executive response team reached out, I explained the issue and the late fees were credited back to me. A few weeks later I lost my card, and when I called to have a new one sent I was told that was impossible as my account was being closed by Citi. They claimed it was due to a periodic review of creditworthiness. Now, interestingly, from the time I opened the account I had bought a {$260000.00} house, changed jobs to where I am making 3 times more since opening the account, and my credit score had climbed quite a large bit. I complained to XXXX again, and was told tough, go away, though I am still convinced it was retribution. When pressed for when and how I'd be notified of the official end of the account, I was told I'd be sent a letter. As of today, no letter has been sent. XX/XX/XXXX. I just checked my credit report and it states my Citi card was closed on XX/XX/XXXX by the grantor. However, this entire time my online portal shows it is active and I have available credit .... Today I called Citi, and suddenly they said they could reactivate my account with no issues. Supposedly a new card will be sent to me within a few business days.

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 2023-07-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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 Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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 Section 2 : It also states a consumer reporting agency can not Furnish a 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 explanation
Consumer complaint received 2023-07-02 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Unfortunately, Experian has not responded to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act. 
Upon reviewing my credit report, I have identified several instances of inaccurate information that require correction. The details of the inaccurate information and the required corrections are as follows : XXXX. Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$710.00} XXXX. Account Name : XXXX XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$940.00} XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$8500.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3500.00} XXXX. Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6300.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3600.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$60.00}

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 2023-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to request an increase on my Chase XXXX credit card. I love my business credit card and the credit limit that I was started with. It has helped me scale my business. In the last year and a half since I've had this card, I unfortunately have not received a credit limit increase. My current limit is insufficient to cover my potential monthly business expenses. My payment record with Chase is perfect and I do not anticipate any difficulties in dealing with an increase in my credit limit. I have a Chase preferred personal credit with a XXXX credit limit. I am asking for an increase on my Chase XXXX from {$8000.00} to {$17000.00} to match my Chase XXXX. I have banked with chase for over 15 years and have a bank account with sufficient funds, so I am more than capable of making my monthly payments. I submitted this via CFPB because I did not receive an email back, and I did not want to request an increase over the phone or online because I wanted to explain some things on my credit report and send in documentation. There is a late payment reporting for XXXX XXXX  which is inaccurate, and I am in the process of filing a lawsuit against the credit bureaus for incorrect reporting and defamation of character due to many missed opportunities. I have also paid down balances on other cards that may not be reflected. My 3-bureau credit report is attached so there is no need for a hard pull. I will also attach the cfpb report filed against the bureaus with the intent to sue. My credit profile is great, but the late payment is recent therefore it is hurting my score. I wanted to share so this would not prevent me from an increase. I am hoping to hear a favorable outcome from XXXX. Please contact me if you need any information to expedite this process. I am looking forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  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 Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  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 Section 2 : It also states a consumer reporting agency can not Furnish a 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 explanation
Consumer complaint received 2023-07-02 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I reported to XXXX on XX/XX/XXXX. Unfortunately, XXXX has not responded to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act. 
Upon reviewing my credit report, I have identified several instances of inaccurate information that require correction. The details of the inaccurate information and the required corrections are as follows : XXXX. Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$710.00} XXXX. Account Name : XXXX XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$940.00} XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$8500.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3500.00} XXXX. Account Name : XXXXXXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6300.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3600.00} XXXX. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$60.00}

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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was going over my credit report when I noticed a Item that was not authorized and i would like it to be removed. 
XX/XX/XXXX Experian, XXXX, XXXX XXXX XXXX XX/XX/XXXX {$880.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XXXX  XX/XX/XXXX {$670.00} XXXX XXXX XXXX XX/XX/XXXX {$1300.00XXXX XXXX XXXX XXXX  XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$480.00}

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 2023-07-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: ERC
State: FL

Complaint narrative:
An unauthorized purchase was recorded on XX/XX/2023 at XXXX. The purchase was for a XXXX XXXX XXXX XXXX priced at {$820.00}. I am disputing this transaction because I do not have the credit or the means to buy such an expensive device. My credit score does not qualify me to afford or purchase an XXXX of this caliber. I wouldn't even be able to manage the monthly payments, considering the high cost of the phone and the phone plan. I believe this is either a glitch or an error in the system. In the past, I have attempted to purchase much cheaper phones but failed to meet the eligibility criteria. It is impossible for me to qualify and possess a phone like this according to my credit history. I request that this error be removed from my credit report as it has severely impacted my credit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I settled the account, and it was removed from other credit reporting scores, but it has not been removed from my XXXX score yet and also my Experian score. Before I opened a new policy with XXXX auto insurance, I paid off the remaining balance of {$120.00}. I chose XXXX because I believe they have my best interests in terms of insurance. Additionally, I have already paid my first month 's bill. ''

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