vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 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: FL

Complaint narrative:
I reviewed my consumer reports and I notice that I have XXXX late payment 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 their ability with Maximum Accuracy I have never been late for payments for the account Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$90.00} Open balance {$2000.00} Credit limit, Also as you can check with the XXXX XXXX XXXXXXXX, I ALWAYS had a automatic payment set up from my bank account. 
What I believed that could happened, a XXXX months a go I was a victim of identity theft and some of my cards were hacked ( see FTC report Attached ), there was a purchased on my XXXX  XXXX XXXX account that was no me. 
I don't have {$90.00} dollars opened balance and I don't have late payments, my all my card the have automatic debit set up : since XXXX I have never miss a payment, and I never authorized to remove my auto pay. 
If proof cant be provided I DEMAND to these payments to be update to on time payments as they should be. 
thanks OVERVIEW Credit limit {$2000.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made XXXX XXXX  of payments on 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 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 non-monetary relief
Consumer complaint received 2024-05-17 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:
In accordance with the Fair Credit Reporting Act, your company is in clear violation of the law.

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1 681 violations for willful noncompliance-6 16. Civil liability for willful noncompliance ( 15 U.S.C 1681n )

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 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX : checking account closed due to bad customer service XX/XX/XXXX : advertising on Bank Of America Credit card application once logged on my account, inviting me to open a checking account opened to get a welcome bonus of {$200.00} ( {$2000.00} direct deposit under 90 days ). Application in pending for manual review. 
XX/XX/XXXX : application approved manually with the XXXX bonus code confirmed. 
XX/XX/XXXX : requirements met ( over {$2000.00} XXXX received ) XX/XX/XXXX and XX/XX/XXXX : I called multiple times to know why I did not get the bonus. The answer was " you had an account with us in the part 12 months so you don't quality ''. 

The advertising was inside my Bank of America account and was personalized, a coupon code was also pre-filled. 

Why presenting a {$200.00} offer in big letters if the customer does not qualify?

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 2024-05-17 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: 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: PA

Complaint narrative:
I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you verify the documents? Some accounts listed contain inaccuracies in terms of the reported amounts and dates.

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 2024-05-17 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: PA

Complaint narrative:
Could you please delete these inquiries? I am unaware of this, and the company acted without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: NY

Complaint narrative:
There was a hard inquiries on my report

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 2024-05-17 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: NY

Complaint narrative:
There was a hard inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a new Chase savings and checking account with coupon code XXXX XXXX XXXX XXXX on XX/XX/XXXX. In order to qualify for that {$300.00} checking bonus {$200.00} savings bonus and {$400.00} extra for opening up both ( total {$900.00} ) direct deposit had to be setup for the checking and {$15000.00} had to be deposited in my savings ( Account number : XXXX ) and kept for 90 days. Both activities were completed by me on XX/XX/XXXX. 

I received the {$300.00} bonus for the checking approximately 15 days after verifying that the coupon code had been entered in correctly. On XX/XX/XXXX ( approximately 4.5 months later ) the money for my savings account bonus+extra bonus had not been deposited into my account. It should have been deposited 15 days after meeting qualifying activity ( approximately XX/XX/XXXX ). I called and created a complaint ( XXXX ). On XX/XX/XXXX a Chase investigator, XXXX, left a voicemail stating to call them back with no other information. I called back the number the same day ( XXXX ) which was a general number and not a direct line. XXXX did not have a direct line but the customer service reps said they saw that the notes stated XXXX was working on a resolution. It appeared I had met the terms so they asked me to just wait. I called back again on XX/XX/XXXX, hoping I could get in touch with XXXX directly, but received the same response and that it would take one to two weeks and to just wait. I wanted to get a hold of my investigator but since there was no direct line they were unable to transfer me to her. On XX/XX/XXXX I called in and was then told that my case had been closed on XX/XX/XXXX with no explanation as to why-even though I was told on XX/XX/XXXX they were still working on my case. XXXX still has never called me back even though I have contacted customer support three times and spent hours on the phone. 

It has been more than 6 months and I have still not received my bonus. I followed all terms in their fine print, I created a complaint, was unable to contact my investigator directly, and had my complaint closed for no apparent reason and without explanation. I am hoping you are able to help me with this as I feel I am being completely ignored in this manner, thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX- XX/XX/XXXX, XX/XX/XXXX I don't know what this is. 
Sams- XX/XX/XXXX I have a Sam 's credit card and never applied for hotel and travel card. 
Lowes- I have a lowes credit card and never applied for hotel and travel. 
XXXX XXXX I did apply and was approved but never acted on the loan. 
TJX- I never applied for a dual card

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 2024-05-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
In XXXX  I was issued a 1099c for my second mortgage. At tax time I had to claim the amount forgiven as income. 
I was then informed that I still have to pay them for the forgiven amount. I was kinda XXXX on this and started making payments of {$200.00} per month. 
I later found out that if you had to claim the forgiven amount as income then you do not have to repay so I stop my monthly payments and they put a lien on my house

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: NC

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have always paid this account on time, avoiding any overdue payments. I don't understand why there are late payment remarks on my accounts. Per 15 USC 1666b, billing errors must be corrected.

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 2024-05-17 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX : XXXX XXXX : XX/XX/XXXX **Experian** XXXX XXXX XXXX XXXX, TX XXXX **XXXX XXXX, XXXX XXXXTo whom it may concern : ** I am writing to express my severe disappointment and frustration with Experian 's handling of my credit disputes. Your recent response stated that the accounts listed on the FTC report were not present on my credit report. However, upon reviewing my most recent credit report, I found that the XXXX XXXX XXXX and XXXX XXXX accounts are still listed, contrary to your assertion. 

XXXX XXXX XXXX Reinserted Items : XXXX. XXXX XXXX XXXX - XXXXAccount Number : ** XXXX - **Status : ** Account charged off. {$7900.00} written off. {$7900.00} past due as of XX/XX/XXXX. 
- **Balance : ** {$7900.00} - **Date Reported : ** XX/XX/XXXX - **Remarks : ** CONSUMER STATEMENT LITIGATION PENDING. 
- **Payment Status : ** Collection/Chargeoff 2. XXXX XXXX - **Account Number : XXXX XXXX - **Status : ** Account charged off. {$4500.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
- **Balance : ** {$4500.00} - **Date Reported : ** XX/XX/XXXX - **Remarks : ** CONSUMER STATEMENT LITIGATION PENDING. 
- **Payment Status : ** Collection/Chargeoff These accounts were previously confirmed as deleted following my disputes, as documented in the following CFPB complaints : - **CFPB Complaint No. XXXX ( XXXX XXXX XXXX ) - **CFPB Complaint No. XXXX ( XXXX XXXX  ) Your failure to accurately maintain my credit report and the reinsertion of these accounts without proper notification is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). This incompetency has significantly impacted my credit score, causing undue stress and suffering in my personal and financial life. 

I demand that these accounts be immediately deleted from my credit report within 24 hours. Your prompt action is required to rectify this situation and to prevent further harm to my credit standing. 

I am enclosing copies of the relevant documents, including the recent Experian response, the latest credit report, and the CFPB complaint responses confirming the deletions. I am keeping detailed records of all communications regarding this matter. 

Please investigate this issue promptly and confirm in writing that these negative items have been permanently removed from my credit report. 

Sincerely, 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 2024-05-17 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:
I recently reviewed my credit report and noticed and account that was not reporting accurately I had 1 late payment on the account the was in fact paid on time and in the correct amount The consumer reporting agencies need to report information with complete accuracy this account has not ever been late or paid inaccurate I have attached a copy of this report XX/XX/2024 Im now requesting you investigate this account and update this payment to be paid on time and not past due immediately thank you

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 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2018 Opened a new Business Checking account at the Bank of America branch located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Immediately after opening and making my {$100.00} cash deposit at the ATM, I was informed that my account will be closed and that I will need to call to retrieve my deposit. I was informed that the account was closed on the grounds that it was a " business decision. '' XX/XX/XXXX - XXXX, XXXX  My {$100.00} deposit was returned to me. 

None of the accounts ( personal and business checking, savings and credit cards ) I have had with Bank of America ever had negative balances or unpaid debts. 

Despite my clean record, I am banned for the rest of my life ( until the year XXXX ) from opening a personal or business deposit account or credit card with Bank of America with no tangible cause. I am not even able to be a co-signer for a family member 's safe deposit box.

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 2024-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Received notice of an escrow refund from Carrington Mortgage in the beginning of XX/XX/2024 for just above XXXX. After a month of not receiving the check I called the lender and requested they sent a new check in the beginning of XXXX. After not receiving the check in the month of XXXX I called once again and requested information for tracking or another means of receiving the payment. I was told the only way to send the check was via the USPS and they can not send a certified for tracked letter. Requested they send the check for the third time. After a week I went to my local post office hub facility to see if they received anything or if there is another way to locate the missing mail. They told me that since there is no tracking number there is no way for them to locate the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: FL

Complaint narrative:
These inquiries were made without my consent, and I have no knowledge of them. Please have them removed.

Company response to consumer: Closed with non-monetary relief