vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: CA

Complaint narrative:
My Credit Report was Beach from Credit Bureau agency.

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 2024-09-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Credit Report was Beach from Credit Bureau agency.

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 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Marlette Funding, LLC
State: VA

Complaint narrative:
I could not pay my XXXX as I was in the hospital for XXXX  days. I paid the minimum as soon as back home and called on the XXXX and explained my situation. Also, I asked about the promotional offer date, she mentioned it will expire in XX/XX/year>. Now they charge a XXXX $ interest fee. Again, I called about the charges and promotional offers going to end in XXXX but they are telling me they closed my promotional offer because I missed the XXXX payment ( paid XXXX, due date was the XXXX ). 
They never mentioned any of the statement promotional offers ' end dates if you see the statement. I requested to waive the interest charge and refused to do the charge even sent so many emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-03 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
Violation of 15 U.S. Code 1681s-2 : It has come to my attention that any payments during the COVID-19 pandemic are required to be deferred or forgiven. Despite this, my credit report reflects payments that were neither deferred nor forgiven, which is a clear violation of the law. 
2. Violation of 15 U.S. Code 1681 ( 4 ) : I have a right to privacy, and if I consider my payment information to be private, it must be deleted from my credit report. I hereby request the immediate deletion of all payment information from my credit report.

3. Violation of 15 U.S. Code 1681 ( a ) : Any transaction between myself and the creditors is required to be excluded from my credit report. I request the immediate exclusion of all such transactions from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hi, hope all is well. I am reaching out regarding an issue with Chase Bank on the business banking credit card side. I opened a chase Ink card through Chase with a signup bonus of XXXX back in XX/XX/XXXX. I completed the requirements but was issued only XXXX points. I reached out to the people that I directly worked with to have the acct opened and received no response. 

I also reached out to the support number on the back of the card - the agent confirmed that I should have been credited the remaining XXXX points but a week later, received a letter from Chase saying that I was not eligible. I have escalated this issue to no avail. 

Please see below note and attachments for additional information. Thanks! 

XX/XX/XXXX : XXXX XXXX, a XXXX XXXX employee reached out regarding a XXXX offer for a XXXX XXXX card. I said I will sign up. He connected me with XXXX XXXX who sent me paperwork online. I completed the paperwork and was approved. 

XX/XX/XXXX : Sign Up bonus posts, but only for XXXX. I email XXXX but not surprisingly receive an out of office reply given the holidays. I call chase support and speak with an agent who confirms that I should be getting the remaining XXXX points. ( There was a case ID but i have lost that record ) XX/XX/XXXX : I receive a Letter from XXXX stating that I am not eligible for the XXXX bonus. There is nothing else on it. 

XX/XX/XXXX : I email XXXX XXXX- receive no response. I raise this to XXXX- and still no response. I also raise this in person later in XXXX. 

It's nearly a year and I am resorting to the CFPB for assistance please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 non-monetary relief
Consumer complaint received 2024-09-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is violating my consumer rights under the Fair Credit Reporting Act, by allowing inaccurate/invalidated items on consumer file, and refusing to do an accurate investigation of into negative items. I want all unverified/inaccurate items remove from my consumer file asap.

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 2024-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX  personal savings account. Opened approximately XXXX  year ago. 
On XX/XX/year>, noticed an unauthorized transaction withdrawn from account on a routine check of my account ( no notification from bank ). Amount of {$72000.00} was transferred to XXXX XXXX XXXX  account, without my authorization. Bank not recognized. Account belongs only to me, with no other persons having access, passwords not shared with anyone. 
XXXX XXXX XXXX department notified and report created. I was told the account would now be on hold to prevent any further transactions. 
On XX/XX/year>, noticed on banking app that additional unauthorized transactions were conducted to account from XXXX bank, in amount of {$0.00}, {$0.00}, and {$0.00}. Fraudulent activity continues to account with no help from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I am filing this complaint on behalf of myself, XXXX XXXX regarding a charge-off account with American Express XXXX account number XXXX. The company has inaccurately reported this charge-off on the credit report, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ) by failing to ensure accurate and complete information. Despite disputing this charge-off, American Express has continued to report incorrect details without conducting a reasonable investigation, as mandated by law. 

Additionally, American Express has violated the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ) by using misleading representations in connection with this charge-off. They have also failed to properly verify the debt as required under 15 U.S. Code 1692g ( b ). 

I am requesting the immediate deletion of this charge-off account from XXXX XXXX XXXX XXXX MY ) credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA, 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 explanation
Consumer complaint received 2024-09-03 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: CA

Complaint narrative:
As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I assert my rights under 15 USC 1681b and 15 USC 1681c-2. 
The following inquiries were made without my authorization : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-09-03 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: TN

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$380000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: TN

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$380000.00}

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 2024-09-03 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: I.C. System, Inc.
State: GA

Complaint narrative:
Dear I.C Systems, you are in violation of the FCRA, And the FDCPA. You are to cease all reporting of inaccurate/invalidated accounts immediately.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: UNITED BANKSHARES, INC.
State: SC

Complaint narrative:
I received a construction to conventional loan from XXXX XXXX Initially I was paying interest only during the construction phase. During this time I made extra principal payments to decrease the interest while I was building. After final closing I paid several payments on the conventional loan with extra principal payments. On my last statement from XXXX XXXX XXXXXX/XX/year> the outstanding principal was {$720000.00}. When I received the new loan company United Bank statement XX/XX/year> outstanding principal was {$720000.00}. I called the new company to ask what happened, they told me to contact the old company. XXXX then informed me {$720000.00} is what United purchased the loan for. I went back to United and was able to talk to a local individual who sent it to her managers but nothing has ever come from it and after a few phone calls I have not received any explanation. I have requested a sit down at United bank for someone to walk me through the calculations showing where their numbers came from. I have all of the statements from XXXX and I just want to know that my extra principal payments were applied correctly and that I am not paying extra because the loan changed hands.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX, CA, XXXX and XXXX XXXX XXXX, XXXX, GA, 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 2024-09-03 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: MD

Complaint narrative:
The inquiries on my EQUIFAX credit report are fraudulent, inaccurate, and unverifiable and are not attached to any open accounts. They were deleted and removed months ago and then suddenly reappeared all on the same day about 30 days ago causing my credit score to plummet significantly clearly violating the FCRA and my rights as a consumer. ( PLEASE SEE ATTACHED )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX # XXXX Opened XXXX BALANCE {$820.00} XXXX XXXX # XXXX Opened XXXX BALANCE {$0.00} XXXX  # XXXX Opened XXXX BALANCE {$390.00} XXXX XXXX # XXXX Reported XXXX BALANCE {$590.00} XXXX  # XXXX XXXX XXXX BALANCE {$7200.00XXXX XXXX # XXXX $ XXXX Opened XX/XX/XXXX XXXX XXXX # XXXX $ XXXX Date Opened XX/XX/XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$3700.00} XXXX XXXX XXXX # XXXX Opened XXXX BALANCE {$440.00} XXXX XXXX XXXX # XXXX Opened XXXX BALANCE {$450.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX {$4200.00} Unauthorized inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: CA

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

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 2024-09-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

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