vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 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: NY

Complaint narrative:
I called to request an update to my credit dispute filed with Transunion regarding XXXX late payments. I called Transunion today at XX/XX/ and spoke with Transunion representative XXXX. He looked up the dispute and told me that the XXXX dispute was investigated and Transuinion determined that in fact XXXX should not have marked my account late for 4 months and that as a result Transion deleted these late marks on my credit report. I thanked XXXX for providing the information. He also said he will send a copy of the report in the mail. Transunion 's system has been very slow and I've been unable to get a credit report online, which is why I called XXXX. After hanging up with XXXX, I tried to again pull up the online report and miraculously, it worked. However, to my surprise, Transunion never actually updated my report as XXXX promised that they did. All 4 months still show late for XXXX as they originally did despite XXXX confirming that Transunion investigated and confirmed they should not have been marked late. Transunions continual inaccuracies and incorrect information is plaguing my credit report and making it so very difficult to get update and accurate information that I am unable to appeal and don't know the proper steps because they simply lie to get out of doing their due diligence. Please hold Transunion accountable for their habitual and willful neglect. Thank you kindly.

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 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
Today, XX/XX/2023, I tried to make a payment for my mortgage through XXXX XXXX. When I tried to make a payment, the website said that there was an error and to submit again. I tried XXXX  more times with the same error. A XXXX of XXXX later, I received XXXX e-mails saying that my payment was received. This will cause an overdraft of my bank account. When I tried to call the mortgage service, I tried following every different possible option in their automated system, all of which eventually led to me being told that an agent would not be available to assist me.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX trans union reported a eviction on my report from the same apartment resident, with a civil dismissal and no court reported amount. 
Unaware of this report and its recording. In XXXX I was denied approval on multiple occasions from apartment complex after running my credit report. I was unable to lease an apartment so I end up living in an XXXX  for XXXX mos. While attempting to dispute credit report claims that were inaccurate. In some cases with other reporting agencies I was able to raise my score but this action did not change my rental history because I was unaware and not familiar with Rental screening solutions. No rental agency would forward the information to the consumer. 

Trans Union as we speak is still reporting that I was evicted twice from the same residence. I can assure you I have never been evicted. This has cause so much stress and anxiety in my life not to mention the amount of money from being rejected on applications.

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 2023-12-01 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: NY

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items

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 2023-12-01 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: NY

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items

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 2023-12-01 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: LEXISNEXIS
State: FL

Complaint narrative:
I demand that you exclude the following transactions from my consumer report. According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; and 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

See transactions below. 

RECORD XXXX XXXX XXXX XXXX XXXX Bankruptcy Filing Number : XXXX Bankruptcy Case Status : 1 Original Bankruptcy XXXX XXXX XXXX Bankruptcy Case Filed in Error : FALSE Bankruptcy Status Type : CLOSED Date Bankruptcy Status Last Updated : XXXX Record Source : XXXX Bankruptcy Court Details : Filing Details : Court Name : XXXX XXXX XXXXXXXX Voluntary or Involuntary : Voluntary XXXX XXXX : XXXX Individual or Joint : INDIVIDUAL Judge Name : XXXX XXXX XXXX Bankruptcy Jurisdiction : OH Proceeding Judge Initials : XXXX Filing Date : XXXX Recording Date : XXXX Number of Petitioners : SINGLE DEBTOR Additional Details : Split Case Indicator : FALSE Transfer Indicator : FALSE Scheduled Close Date : XXXX Bankruptcy Reopen Date : Assets Available : Yes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: FL

Complaint narrative:
I demand that you exclude the following transactions from my consumer report. According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; and 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

See transactions below. 

XX/XX/2017 XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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 am writing to seek your urgent assistance in resolving a persistent issue related to my credit report that I have been experiencing with Experian. 

I previously filed a dispute with Experian regarding certain accounts on my credit report, specifically highlighting the XXXX XXXX XXXX  account. Experian conducted an investigation and provided me with a response letter dated XX/XX/2023, assuring me that a thorough examination had been carried out. 

However, upon my request for re-verification of the accounts, I received another letter from Experian dated XX/XX/2023. In this letter, Experian claims that the disputed account, XXXX XXXX XXXX, is not listed on my credit report. This assertion contradicts their previous letter from XX/XX/2023, where the same disputed account was thoroughly investigated and acknowledged. 

To provide clarity on this matter, Experian attached an extract from my credit report to their letter on XX/XX/2023. This extract highlights the presence of the XXXX XXXX XXXX  account XXXX which seems to appear and disappear mysteriously. Despite the affirmative proof of the account 's existence and verification by the creditor, Experian continues to deny its presence. 

I am reaching out to you as a last resort, armed with evidence of Experian 's inconsistent reporting and violation of credit reporting laws. It is disconcerting that despite my efforts to bring attention to the discrepancies and potential violations, none of my accounts seem to be under proper investigation. 

I kindly request your intervention in addressing this matter and ensuring that Experian conducts a thorough and accurate examination of my credit report. The persistence of this issue is causing significant distress, and I believe your involvement will expedite the resolution process. 

Enclosed with this email, please find copies of the relevant correspondence from Experian, including both the XX/XX/2023, and XX/XX/2023, letters, my recent request to comply, certified receipt of my letter, as well as the credit report extract for your reference. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these credit reporting discrepancies and ensuring that Experian complies with the applicable laws and regulations.

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 2023-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
The debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree to and I never signed anything or even know what the account was for. The 5 step validation procedure wasn't performed and according to the FDCPA I'm entitled to {$1000.00} per violation as my rights were clearly violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: LA

Complaint narrative:
I got a warning to my phone from transunion I put in a report they said it's accurate and it's a lie to XXXX XXXX XXXXXXXX in California I have never request a loan company don't answer phone. It's a XXXX loan. I promise I never borrowed no money

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 2023-12-01 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: FL

Complaint narrative:
I demand that you exclude the following transactions from my consumer report. According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; and 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

See transactions below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-01 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: GA

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-01 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: GA

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/ I attempted to withdrawal funds from my checking account and the ATM malfunctioned. It stated that an error occurred with the machine and the transaction could not be processed. It then stated my transaction was reversed and funds were in my account immediately. This did not happen. I have called Bank of America about 15 times since this has occurred and no one will assist me in returning my funds to me. In addition to this supposedly someone was assigned to my case but no one takes my phone calls or assists me in resolving this issue. This is a Bank of America atm and all they have to do is balance the atm and it will show there is an overage, or they can check the records and it will show the atm malfunctioned but Bank of America refuses to return my funds.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In XXXX of XXXX American Express was notified by consumer of a billing error nevertheless AMERICAN EXPRESS continues to increase the balance and past due amount in violation of 12 CFR 1026.13 ( 2 ), 12 CFR 1026.13 ( 3 ) American Express is violating the privacy act of 1974 by disclosing my consumer record to a person, or to another agency, without my written request and without my prior written consent 5 U.S.C. 552a ( b ). 
In addition American Express is reporting a charge off on my credit report, a charge off is a certificate of indebtedness according to the IRS which means it is Income and must be remove from my consumer credit report., Such reporting is a violation of 15 U.S. Code 1681 by reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of Equifax. Data breach and inaccurate information needs to be removed. And the following account. 

Per attached screen shot I did not reside here at the time of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: AR

Complaint narrative:
I will attach screen shots from the Albert company including all paperwork submitted and all contact I have had with the company. Transactions are : Dates will be in attached paperwork that was sent to Albert. 
{$400.00} XXXX XXXX XXXX {$320.00} and {$140.00} XXXX XXXX XXXX XXXX {$400.00} XXXXXXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX  {$210.00} and {$320.00} XXXX XXXX XXXX XXXX  These companys I can not find anything about, the transactions are fraud. I want my money back. ASAP

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: MOHELA
State: MA

Complaint narrative:
See attachment included below. 

In short, a presentment of tender of payment was made and I did not receive any notice that the presentment was dishonored. I asked for validation of debt, the company did not comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
XX/XX/ there was over 100 transactions equaling {$960.00} off of my bank account. I had filed a dispute with Chime stating the police report from when my cell phone and wallet had been stolen. I also sent in the list of transactions, the amount, a copy of the police report they denied the claim stating that, one of the merchants said there was no fraudulent activity. I then emailed both merchants who replied with. They both confirmed that there was fraudulent activity on my accounts. I took copies of those emails sent them into Chime, who then still denied my dispute a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: IL

Complaint narrative:
XXXX, XXXX and experian all have my personal info wrong and that can possibly result in INACCURATE credit reporting. I need my personal info updated between all 3 agencies.

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 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: LA

Complaint narrative:
I have a mortgage with AmeriHome Mortgage since XX/XX/. I have been unable to make any mortgage payments online since I started a loan with this company due to an error on their website that prevents me from making a payment. I called the company the day I had to make my first payment and asked to have the issue resolved. Their response was that the error I receive every time I try to make a payment online is due to their systems not accepting long names like mine, which falls into discrimination. It is absolutely unacceptable that this company uses outdated system and practices to keep me from making mortgage payments online on time. It has been 5 months as of today and the issue persists. I am required to use one of the alternate solutions this company gives me to pay for my monthly mortgage, which are ineffective and inconvenient, and defeat the purpose of having a website to make payments in the first place. By having a system that intentionally prevents customers with long names to make payments online, this company is engaging in discrimination. ( Attached is a screenshot of the error I receive every time I try to make a payment from their website, which is preventing me from making such payment. My name is prepopulated so I can't change it. )

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