vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX is Not showing up in my Transunion and Transunion and XXXX Aren't showing my XXXX card failing to disclose the revolving credit, Failing to provide Length of credit history and perfect payment history, Transunion and XXXX Keep claiming its XX/XX/XXXX fault for not reporting and when I call XXXX they Claim that they Are reporting my XX/XX/XXXX and that is not true as my credit report reflects missing my XX/XX/XXXXin transunion and XXXX. When I called XXXX they told me that I requested my XX/XX/XXXX be removed and that is just not true why on earth would I want my oldest XXXX XXXX to be taken off my credit history!? XXXX claimed they don't report to transunion qhich is also a Lie and this has caused my scores to be significantly Manipulated down from perfect XX/XX/XXXX at XXXX point and there is ABSOLUTELY NO REASO. for this chaos in my reports ad I have PERFECT PAYMENT HISTORY WILL ALL XXXX OF MY CREDIT CARDS. I keep all my usages below XX/XX/XXXX % and pay my cc off to XX/XX/XXXX every months. still XXXX is refusing to cooperate with me in regards to their lack of XXXX my PERFECT credit history to Transunion And XXXX is Refusing to disclose all XXXX of my creditcards and the revolving credit is only showing XXXX credit card. I have been CONSTANTLY REQUESTING THIS GET RESOLVED and NOTHING IS BEING DONE AT THIS POINT.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX is Not showing up in my XXXX and XXXX and Experian Aren't showing my XXXX card failing to disclose the revolving credit, Failing to provide Length of credit history and perfect payment history, XXXX and Experian Keep claiming its XX/XX/XXXX fault for not reporting and when I call XXXX they Claim that they Are reporting myXX/XX/XXXXand that is not true as my credit report reflects missing my XX/XX/XXXXin XXXX and experian. When I called XXXX they told me that I requested my XX/XX/XXXX be removed and that is just not true why on earth would I want my oldest XXXX XXXX to be taken off my credit history!? XXXX claimed they don't report to XXXX qhich is also a Lie and this has caused my scores to be significantly Manipulated down from perfect XXXX to XXXX at XXXX point and there is ABSOLUTELY NO REASO. for this chaos in my reports ad I have PERFECT PAYMENT HISTORY WILL ALL XXXX OF MY CREDIT CARDS. I keep all my usages belowXX/XX/XXXX% and pay my cc off to ZERO every months. still XXXX is refusing to cooperate with me in regards to their lack of XXXX my PERFECT credit history to XXXX And Experian is Refusing to disclose all XXXX of my creditcards and the revolving credit is only showing XXXX credit card. I have been CONSTANTLY REQUESTING THIS GET RESOLVED and NOTHING IS BEING DONE AT THIS POINT.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under XXXX which makes you financial liable for each inaccurate account. Also, under XXXX Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the XXXX. Please delete the following unverified fraudulent account : XXXX XXXX XXXX$240.00} THIS ACCOUNT IS A ERROR XXXX, XXXX MISSING INFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA XXXX VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
This company is trying to collect on something I have no knowledge of. This was a result of an identity theft. I have already send in my FTC AND POLICE REPORT. THIS COMPANY KEEPS HARASSING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: PA

Complaint narrative:
In account 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 XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : N/A # XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX  ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX  ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America sent the attached letter. Fradulantly stating that I had submitted an application for a cedit card. I never submitted an application. 
To me this is a fiching scheme.

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 2024-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I went to XXXX XXXX which was a fraudulent school. My federal loans were recently XXXX but I still have private loans that cant be XXXX. The school was found to be fraudulent and I believe all loans should be forgiven. I joined the military late in life to get money for school so I didnt have to fall into the same trap. navient is my loan provider and I owe over {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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:
I am reaching out to emphasize the urgent need for the removal of certain unauthorized inquiries from my credit report. Upon thorough examination, I have discovered XXXX inquiries that were conducted without my authorization, and I have no recollection of engaging with the respective creditors. 
The unauthorized inquiries are as follows : Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Creditor Name : XX/XX/XXXX Inquiry Date : XX/XX/year> I want to bring to your attention that XXXX, a prominent credit bureau, promptly deleted these hard inquiries from my credit report. You may verify this action by contacting XXXX directly. Failure to rectify this issue promptly may result in legal action being taken against your bureau. 

It is imperative to address these unauthorized inquiries swiftly to ensure the acuracy and integrity of my credit report. Failure to do so may necessitate legal action to uphold my rights under the Fair Credit Reporting Act ( FCRA ). 

I trust in your understanding of the significance of this matter and urge your imediate action to rectify it. By removing these unauthorized inquiries, your bureau will not only fulfill its obligation under the FCRA but also demonstrate its commitment to providing accurate and reliable credit reporting services. 

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorzed inquiries from my credit report. Your cooperation in resolving this issue expediently 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 non-monetary relief
Consumer complaint received 2024-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.

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 2024-05-11 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: PA

Complaint narrative:
In account 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 XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX. XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX has violated my rights. I looked at my TransUnion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: CA

Complaint narrative:
I been using cashapp for along time and I keep asking for cash card and it just says unable to transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: CO

Complaint narrative:
After filing a complaint with the cfpb, the company response is TOTALLY incorrect. I have provided them with the information that they requested. As your site request that I not include any personal information in the complaint, there is no way for me to prove that I have provided the information which I have a copy of letter containing the information sent to them and copy of XXXX tracking that proves that they received the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have been using my XXXX XXXX from Synchrony Bank since XX/XX/2023. I earn XXXX Dollars for XXXX purchases that can be applied to my monthly XXXX bills. While Synchrony shows that I have earned these dollars on my statement, when I go to XXXX, there are {$0.00} XXXX dollars available. Both companies blame each other. Synchrony said they completed a form to link accounts, and XXXX says I have to solve this with Synchrony. As a consumer, I am stuck in the middle and being volleyed between both companies ( who are partners -- and the card is issued as the XXXX card! ). I want to see the XXXX dollars that I have earned and be able to apply them to my account. Why does this seem to be so hard? This is how the card is marketed and advertised.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: WI

Complaint narrative:
Account number XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  loan .... XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX  account XXXX with these accounts I've been trying to get them off my credit report for the last couple of 3 years serious violation of my actual rights.. so I have sent certified letters to all the creditors and also I send picture documents to your place of to view that I have sent certified letters to all my creditors I would love for y'all to remove these accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: WI

Complaint narrative:
Account number XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ...XX/XX/XXXXXXXX and XX/XX/XXXXXX/XX/XXXXXXXX and XXXX at set management account XXXX with these accounts I've been trying to get them off my credit report for the last couple ofXX/XX/XXXX years serious violation of my actual rights.. so I have sent certified letters to all the creditors and also I send picture documents to your place of to view that I have sent certified letters to all my creditors I would love for y'all to remove these accounts immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-05-11 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The FCRA 605B stipulates the eradication of any misrepresented accounts from my credit report. These accounts exhibit inaccuracies in their reporting. Compensation of {$1000.00} per inaccurate entry in my credit file is warranted.

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 2024-05-11 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: SC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
On XXXX XXXX I contacted XXXX mortgage to ask about why I was showing a negative balance in my escrow account. I was told that it was a payment sent to XXXX XXXX, XXXX  tax office for property taxes. 

I informed the person I was talking to that I am a XXXX XXXX  XXXX veteran, and I do not pay property taxes. She didn't care. I told her that I have been XXXX XXXX XXXX for XXXX XXXX, this is not a new development, she didn't care. The company would not listen and were VERY dismissive of everything I said. 

The mortgage company knew when I closed that I was XXXX XXXX  XXXX veteran, I provided them a letter at closing. I have made payments for nearly a year and this has not been an issue. 

I informed the person I was talking to that I have a letter from the XXXX XXXX XXXX XXXX approving my tax exempt status. The person I was talking to did not care about the letter. Very dismissive and rude about the whole thing. 

She said they sent tax payment to the tax office and I now owe them their money back. I asked if the tax office sent them a bill, and she did not know. I asked them why I am just now being charged taxes, she said they could not verify with XXXX XXXX of my tax exempt status. I offered to send her the letter I have from XXXX XXXX and she said they could not accept it. 

I now have a $ XXXX tax debt to XXXX Mortgage for taxes that I do not owe, which is making my mortgage payment $ XXXX more per month. This is creating a financial hardship on my family.

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