vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
XXXX is trying to collect on a debt that is not owed. I have requested several times that XXXX remove all reporting from the all 3 credit bureaus. I do not owe any debt to XXXX. In fact, XXXX has provided documentation dated XX/XX/XXXX stating my account payments have been timely and I do not owe any debts. Additionally, I have attached the email from XXXX stating my coverage ended on XX/XX/XXXX, which is well before the date on the letter of XX/XX/XXXX. Despite XXXX having this documentation and me providing them with it further, XXXX is willfully reporting inaccurate, fraudulent information which is resulting in massive harm to my credit report. I demand XXXX delete all reporting from the credit bureaus 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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX is trying to collect on a debt that is not owed. I have requested several times that XXXX remove all reporting from the all XXXX credit bureaus. I do not owe any debt to XXXX. In fact, XXXX has provided documentation dated XX/XX/XXXX stating my account payments have been timely and I do not owe any debts. Additionally, I have attached the email from XXXX stating my coverage ended on XX/XX/XXXX, which is well before the date on the letter of XX/XX/XXXX. Despite XXXX having this documentation and me providing them with it further, XXXX is willfully reporting inaccurate, fraudulent information which is resulting in massive harm to my credit report. I demand XXXX delete all reporting from the credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These account are. hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

These account was charged off on the following date XX/XX/XXXX, & another account on XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts Equifax XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX accounts And XXXX XXXX closed on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These account are. hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

These account was charged off on the following date XX/XX/XXXX, & another account on XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts XXXX XXXX XXXX Experian XXXXXXXX XXXX account XXXX XXXX accounts And XXXX XXXX closed on XX/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 non-monetary relief
Consumer complaint received 2024-04-24 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: NY

Complaint narrative:
I reviewed my credit report and noticed that there was an inaccurate account that is not mine. I contacted experian XXXX and XXXX about the issue. But I have not gotten a communication from the third party XXXX XXXX XXXX that is allegedly saying I owe them which I have never had a contract with or done business with. 

XXXX XXXX XXXX is saying I owe them {$680.00} 15 USC 1681b Clearly states 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.

Thats aggravated identity theft 18 USC 1028A Because they have possession my information and they are also using it without consent from the consumer ( me ) 15 USC 6802 A financial institution may not disclose non public personal information to a non affiliated third party unless, They give me the consumer the opportunity to exercise the right to opt-out.

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 2024-04-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I have 5 prepaid cards XXXX $ Amex, I got them in 2022, I used cards several limes to make a purchases. Then, suddenly all place where I tried to buy something using these cards started to refuse them. Sellers used to said me that I need to connect with issuer. I tried to called support multiply times, but there is the bot and nobody can help me I can't get my money. The total amount that left on my cards is XXXX $ it's big money for me, I have kids and I need them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I consistently make on-time payments, and I am confident about this. However, I am uncertain about why this company is reporting me as late in certain months, which should not be the case. According to XXXX XXXX, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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:
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 non-monetary relief
Consumer complaint received 2024-04-24 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: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted trom an alleded identiv then. not ater than & ousiness davs ater the date on receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2024-04-24 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: IL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-24 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:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with TRANSUNION.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-04-24 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:
I am writing to request the removal of the following information from my credit report, which has resulted from identity theft. The items I need to be deleted are detailed in the accompanying report. 
As a victim of identity theft, I did not authorize nor make the charges in question. I ask that the items be deleted to correct my credit report. 
I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for your reference. Please remove items promptly.

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 2024-04-24 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:
I am writing to request the removal of the following information from my credit report, which has resulted from identity theft. The items I need to be deleted are detailed in the accompanying report. 
As a victim of identity theft, I did not authorize nor make the charges in question. I ask that the items be deleted to correct my credit report. 
I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for your reference. Please remove items promptly.

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 2024-04-24 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:
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 informationisinaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: IL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see attached

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 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I consistently make on-time payments, and I am confident about this. However, I am uncertain about why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I consistently make on-time payments, and I am confident about this. However, I am uncertain about why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was offered a job, then sent a check to buy equipment, told to transfer the money and once I did they bounced the check and the bank took the money from my account.

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 2024-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XXXX of XXXX contracted with Security Services Federal Credit Union to finance the building  of my home. For the last 13 months I have been paying interest on a construction loan as my builder has not finished or been reasonable in a resolution. I have spent nearly {$40000.00} in legal fees, loan extension fees, taxes, and interest payments. 

I signed a one time close contract where my loan would convert to a 30 year mortgage when the construction was complete. During the building process I had challenges with the builder as he was having financial issues to finish the home. The builder is in default of the of Security Services Federal Credit Union 's contract following reasons. 
XXXX. Not providing change order request or approvals from the bank for any overages or any overages outside the contracted budget. 
XXXX. Completing the building process within the allotted contracted time. 
XXXX. Not completing the building process with quality industry standard workmanship. 

Furthermore during this process there were several inconsistencies in mistakes from Security Services Federal Credit Union for example .... I was told funds could not be disbursed to the builder because the builder didn't carry builders risk insurance even though I did. For several months I actually carried builders risk insurance and homeowners insurance simultaneously per the SSFCU 's request. Security Services Federal Credit Union has since apologize for this mishap. This caused delays with the building process and started a down hill snowball effect. Most recently on XX/XX/XXXX Security Services Federal Credit union offered to convert the loan for the amount that was used and rescinded that offer the same day. When I asked why this happened I was only told I must work things out with the builder. 

Security Services Federal Credit Union has stated that the loan must convert on XX/XX/XXXX or I must pay {$360.00}, full amount what has been used in the construction account.

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 2024-04-24 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: IL

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should 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 non-monetary relief
Consumer complaint received 2024-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-25 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:
XXXX, XXXX, and Equifax all have incorrect or incomplete information on my credit reports regarding the only XXXX XXXX Account ( # XXXX ) on my report. I sent them dispute letters in XXXX, XXXX, XXXX, and XXXX, and they have yet to fix the problems with the reporting. They are also reporting inconsistent information across the three of them.

Company response to consumer: Closed with explanation