vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, XXXX XXXX! 

Update the account to Paid on time and never late. Or remove it from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: CA

Complaint narrative:
I have an open unpaid collection account XXXX XXXX XXXX.. the statue of limitations has past from the original creditor. i provided proof of the timeline by submitting copy of the last payment to cash central on XX/XX/2016, which clearly shows that this collection account should be removed. i requested a review of the dispute and the item remains on my credit report. i would expect them to provide some type of proof that would allow it to remain. 

i have made several attempts to have this item removed and have no other options but to file a formal complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I currently have a Loan through XXXX. They have falsely reported two 30 day late payments to my TransUnion report. I have called multiple times to resolve this issue and was told by a manager i have no late payments and they have not sent any late payments to my credit. All of my payments have been up to date and on time. I currently am in the process of purchasing a new vehicle but am unable to due to the false claims on my credit. There is now an investigation on why it is on there but the manager has already let me know everything is on time and there should not be any credit issues. However 2 weeks later nothing has yet to be done about 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 non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I purchased the card on XX/XX/2023, and was unable to use it for a particular payment and it did not work. Today is XX/XX/2023 and NO merchant will accept this card. I have contacted American Express regarding this ECARD at least 5 times and have been advised to try different merchants, I have tried at least 8 different merchants, and no one will accept this card. American Express will not give a list of merchants that will accept it. The refuse to send a card that I can attach to my personal information to use. The refuse to do anything. The leave you on hold for a long as you will hold, on hold right now for 38 minutes. So, no customer service is provided. This is a scam!!!!!!! They are stealing the money of their customers! I have read review after review after review stating the same thing. American Express I have always considered a company you can trust so I did not think twice before purchasing. People are getting ripped off every day by this egift card garbage. They outsource customer service and NO ONE cares or tries to help. This really needs to be addressed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had my credit report sent to me while I was XXXX  with the XXXX XXXX XXXX XXXX from XXXX until XXXX, during that time frame someone created a account with XXXX # XXXX open date XXXX using my identity to with out my knowledge or consent. As you can see the account was created while I was XXXX, and I couldnt possibly create it. I sent XXXX XXXX, trans union, XXXX, and XXXX a letter stating the same thing with copies of United States district court order of my self surrender sedated and signed by a federal judge for the date of XXXX, also enclosed a copy of my discharge date which is XXXX Im currently in a XXXX XXXX XXXX still in the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. What Im asking is for this to be removed and blocked I have a XXXX police report # XXXX also reported to the FTC report # XXXX I clearly proved this wasnt me and they claim its verified which is impossible cause I was in the custody of the United States government during that time frame. Please delete from credit report. 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 non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
I have submitted disputes the XXXX, Transunion and XXXX to report the below credit inquiries that I did not authorize or recognize nor do I have any open accounts with. Please see the below : XXXX of 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 explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, 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:
I have submitted disputes the XXXX, XXXX and Equifax to report the below credit inquiries that I did not authorize or recognize nor do I have any open accounts with. Please see the below : XXXX of 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America allowed someone to create a checking account in my name with NO social security number or form of ID. 

I contacted BOA about this issue and assured me there was no checking account under my name. Two weeks later I find that there is and a user has been able to update all of the contact information on my account with none of my knowledge. 

I asked BOA to wipe all of this info clean. I found today that the fraudulent email is STILL the primary contact on my account and I am unable to delete it. 

BOA has also asked that I send out a form to them with a photo of my social security card and license which is ridiculous since none of this was required for the account to be set up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM THIS MAY CONCERN, I am a victim of identity theft, and I did not make or authorize those inquiries. I am requesting that those inquiries be removed. 

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 2023-05-19 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: GA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX, TX XXXX You are in Direct Violations of The Fair Credit Reporting Act ( XXXX XXXX XXXX violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violations of several laws under The Fair Credit Reporting Act. 


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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: IL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!

Update the account to Paid on time and never late. Or remove it from my consumer 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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
CFPB, please be sure that they address my complaint, and please don't close the case simply because they claim they resolved the issue- they didn't. 

My complaint is that Transunion is getting revenge for a previous complaint I filed by eliminating my name and SS # from their database. 

They have repeatedly lied to prevent me from logging in to my Transunion account. They claim that there is a problem with the library computer I am using, or with the browser- but there is no problem with it, as I have used the same computer and the same browser they recommend to log in to other accounts. And Transunion recognized my name & SS # just recently, as they send me an email to change my password- which didn't work, as per previous complaint, but it DID recognize my name & SS #. Just recently, since filing a CFPB complaint, Transunion has removed my name & SS # from their system. Is this revenge for filing the CFPB complaint? 

I don't just want my credit report, I also want to be able to access my information online regularly without going through this hassle, possibly to put a lock on the account or for whatever other reason. Just sending me my credit report is NOT sufficient. I want to be able to log in to my account- like I used to be able to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: MD

Complaint narrative:
I have attempted to have updated information report on my credit report to represent my name as XXXX XXXX XXXX XXXX. I reside at XXXX XXXX XXXXt, XXXX MD XXXX. On numerous attempts disputes have been filed with all three credit entities without resolve

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: IL

Complaint narrative:
My loan keeps getting moved around as the mortgage companies keep getting bought out. First my loan was through XXXX then to XXXX then to XXXX XXXX and now XXXX. Every single time my loan gets moved around, the month that their transition happens the new lender marks my mortgage as 30 days late. I have NEVER been late on my mortgage, it gets automatically taken out of my bank account every single month. Every time this happens I call the lender and they tell me there is nothing they can do and I have to dispute it on my end. This is negatively affecting my credit score for no reason and it's not fair that I suffer the consequences. I have no say in my loan being moved over when the mortgage company gets bought out and I have never done anything wrong. None of these companies have ever been willing to fix this and they have no explanations for why it keeps happening. To me this is illegal, I am paying every month exactly like I should and I get punished because they sell their company to another. I have been able to get a couple of them fixed but I have a new one from XXXX and I absolutely have proof that I paid it and they won't reverse the late payment mark. I also have one from XXXX last year that has not been reversed that I have fought.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My loan keeps getting moved around as the mortgage companies keep getting bought out. First my loan was through XXXX then to XXXX then to XXXX XXXX and now XXXX. Every single time my loan gets moved around, the month that their transition happens the new lender marks my mortgage as 30 days late. I have NEVER been late on my mortgage, it gets automatically taken out of my bank account every single month. Every time this happens I call the lender and they tell me there is nothing they can do and I have to dispute it on my end. This is negatively affecting my credit score for no reason and it's not fair that I suffer the consequences. I have no say in my loan being moved over when the mortgage company gets bought out and I have never done anything wrong. None of these companies have ever been willing to fix this and they have no explanations for why it keeps happening. To me this is illegal, I am paying every month exactly like I should and I get punished because they sell their company to another. I have been able to get a couple of them fixed but I have a new one from XXXX and I absolutely have proof that I paid it and they won't reverse the late payment mark. I also have one from XXXX last year that has not been reversed that I have fought.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: IL

Complaint narrative:
My loan keeps getting moved around as the mortgage companies keep getting bought out. First my loan was through XXXX then to XXXX then to XXXX XXXX and now XXXX. Every single time my loan gets moved around, the month that their transition happens the new lender marks my mortgage as 30 days late. I have NEVER been late on my mortgage, it gets automatically taken out of my bank account every single month. Every time this happens I call the lender and they tell me there is nothing they can do and I have to dispute it on my end. This is negatively affecting my credit score for no reason and it's not fair that I suffer the consequences. I have no say in my loan being moved over when the mortgage company gets bought out and I have never done anything wrong. None of these companies have ever been willing to fix this and they have no explanations for why it keeps happening. To me this is illegal, I am paying every month exactly like I should and I get punished because they sell their company to another. I have been able to get a couple of them fixed but I have a new one from XXXX and I absolutely have proof that I paid it and they won't reverse the late payment mark. I also have one from XXXX last year that has not been reversed that I have fought.

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