vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
Regarding the above mentioned loan ( loan # : XXXX ), the mortgagors, XXXX XXXX XXXX and XXXX XXXX XXXX, are currently under an active forbearance which was effective starting XX/XX/XXXX through XX/XX/XXXX. However, as of XX/XX/XXXX, you, Ameris Bank, have reported to the credit bureaus that both mortgagors are delinquent on this loan which is totally and completely incorrect. Per the forbearance agreement dated XX/XX/XXXX ( which has been signed and returned back to your loss mitigation department ), it states that This is an Approved Forbearance Agreement with suspended monthly payments of {$0.00}, from XX/XX/XXXX through XX/XX/XXXX. In addition to this, the mentioned loan is a government backed loan and in accordance with the XXXX XXXX XXXX, the status of our account will be preserved throughout the forbearance period. The Ameris Bank XXXX states exactly Please be assured that if your account was current at the time the forbearance began, we will continue to report your account as current throughout the forbearance period. The referenced loan was in fact current and up to date prior to the time the forbearance was accepted. Based on these facts, the agreement between the mortgagors and Ameris Bank, as well as the XXXX XXXX XXXX, a delinquent report should have never been made against the mortgagors credit. The mortgagors on this loan, XXXX XXXX XXXX and XXXX XXXX XXXX are requesting that any and all delinquencies reported to credit reporting agencies be corrected and removed immediately as this is a breach of contract and has a negative impact on our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Kia Finance XXXX America my lawyer sent a reaffirmation letter to this company informng that the XXXX XXXX will not be in the bankuptcy and they stop reporting the balance and payments and that is causing problems refinancing my vihicle

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 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been banking with Chase for many years. 
Several months ago, I set up a XXXX account THROUGH CHASE. 
When I set up the XXXX account, I created only ONE recipient, my landlord, XXXX XXXX, which was linked to his XXXX ADDRESS. 
For several months, I successfully transferred money to him through XXXX to pay my rent. 
On XX/XX/2022, using XXXX, I transferred {$2000.00} to XXXX XXXX for the XXXX rent. 
The next day, XX/XX/2022 I transferred {$1100.00} to him to cover the remainder of the XXXX rent. ( The total rent every month is {$3100.00} ) On XX/XX/2022, I received an email from XXXX XXXX saying that he NEVER RECEIVED the money I sent via XXXX. 
I checked my checking account at Chase and saw that both payments, totaling {$3100.00} had been taken out of my checking account. 
Then I discovered that someone ( NOT ME ) had created a second ( phony ) XXXX recipient. 
This second recipient was also named XXXX XXXX but it was linked to a PHONE NUMBER. 
This phone number is the SAME as my landlord 's phone number except for one digit. 
As I already mentioned, the one recipient I created was XXXX XXXX and it was linked to his XXXX account, NOT his cell phone. 
So, the questions are : 1 ) WHO got into my Chase XXXX account and created a second ( phony ) recipient? I repeat, IT WAS NOT ME. ( Is it possible that XXXX XXXX did this? ) 2 ) WHO received the {$3100.00} I sent for XXXX, 2022 rent? 
SOMEONE received the money. 
3 ) HOW did someone get into my account to create a second recipient?? 
I have spent HOURS on the phone with both XXXX and Chase. BOTH blame the other. 
Neither Chase nor XXXX have offered any information, nor have they refunded the stolen money. Neither have attempted to identify the thief. 
Allegedly, Chase carried out an investigation ( at my request ) They concluded that there was no evidence of fraud and offered no information about the so-called investigation. 
I already filed a complaint with CFPB against XXXX. XXXX responded that I need to take it up with Chase. That is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-01-09 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: IN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS.15 U.S.C. SECTION 602A STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C. SECTION604A SECTION2 IT ALSO STATES NO CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-01-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX HAS VIOLATED MY RIGHTS.15 U.S.C. SECTION 602A STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C. SECTION604A SECTION2 IT ALSO STATES NO CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-01-09 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize and need them to be deleted ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I FILED AN FTC COMPLAINT AND WILL ATTACH THE REPORT. I SENT LETTERS TO ALL 3 CREDIT BUREAUS XX/XX/22 AND XX/XX/22 AND MY REQUESTS FOR VALIDATION HAS FALLEN ON DEAF EARS. I DON'T UNDERSTAND HOW A COMPANY CAN REPORT INACCURATE INFORMATION WITHOUT SENDING ANY TYPE OF VALIDATION ESPECIALLY WHEN IT'S BEEN REPORTED THAT THIS IS POSSIBLY A FRAUDULENT ACCOUNT. PLEASE HANDLE THIS IN A TIMELY MANNER AND REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT 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 2023-01-09 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I FILED AN FTC COMPLAINT AND WILL ATTACH THE REPORT. I SENT LETTERS TO ALL 3 CREDIT BUREAUS XX/XX/22 AND XX/XX/22 AND MY REQUESTS FOR VALIDATION HAS FALLEN ON DEAF EARS. I DON'T UNDERSTAND HOW A COMPANY CAN REPORT INACCURATE INFORMATION WITHOUT SENDING ANY TYPE OF VALIDATION ESPECIALLY WHEN IT'S BEEN REPORTED THAT THIS IS POSSIBLY A FRAUDULENT ACCOUNT. PLEASE HANDLE THIS IN A TIMELY MANNER AND REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: NY

Complaint narrative:
Good afternoon! In XXXX of XXXX I took out a vehicle loan with XXXX XXXX XXXX. The last payment was due XX/XX/XXXX. I had autopay set up because I was ( and still am ) in the military so the convenience of the payments coming out automatically was important. All payments were made on time from XX/XX/XXXX to XX/XX/XXXX. For the final payment, there was an issue with the autopay on XXXX XXXX XXXX 's end as it was closing out the account. I reached out to XXXX XXXX Services via phone immediately upon seeing it showed the account past due. I spoke with a customer service representative, who understood the situation, admitted it was an error on their end, and sent me an email to complete a document and send it to have the account ( which then showed delinquent ) properly updated to closed with no missed payments as they stated they do not update credit reporting via phone. I completed that form, which was a typical dispute form. I've attached the document XXXX XXXX XXXX sent me in XX/XX/XXXX. 

Upon going through my credit report in XX/XX/XXXX, I saw on one of my three reports ( Experian ) the account showed delinquent for a missed payment in XX/XX/XXXX, but the other two credit reporting bureaus were annotated correctly. I sent a dispute through Experian. Because it had been almost five years, I did not quickly have access to the correspondence with XXXX XXXX XXXX, so I was able to provide an explanation of the situation and not much else. Luckily within the last few days I was able to get access to the email XXXX XXXX XXXX sent me outlining the delinquency would be removed, and have since updated Experian with this information. 

In the meantime, XXXX XXXX XXXX has incorrectly told Experian the account was delinquent, and went a step further to update XXXX with the incorrect reporting information, meaning now - almost five years later - a new delinquency for an account closed XX/XX/XXXX is showing up in XX/XX/XXXX for the first time. 

I've since furnished the email to Experian so they can reopen the dispute, but can not provide it to XXXX due to the fact that XXXX does not accept updated information mid dispute, but rather must wait until the dispute is closed and then open a new dispute 180 days later. I do not want to prolong this incorrect information being on my credit 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 explanation
Consumer complaint received 2023-01-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: AL

Complaint narrative:
I did not file this complaint in error nor am I being represented by a XXXX party but I have been studying the FCRA every since I have been fighting to get an inaccurate, false Bankruptcy removed from my report. Now I keep finding errors on my report that are not being corrected. I sent a letter certified mail back on XX/XX/XXXX and received tracking via XXXX when I contact the credit reporting to follow up on my complaint I was told the letter was not received however I have proof of delivery and I'm trying to understand my the company is ignoring my request and continue to violate US Code 1681b ( 2 ) no permissible purpose to furnish report without my written consent as well as violate my right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation of Aggravated identity theft of Public Records when the furnisher does not report and also XXXX  XXXX XXXX for inaccurate unverifiable but somehow you still verify something that is not on my report... .make it make sense I have sent you proof several times that this has been deleted and you still violate me XXXX  XXXX Bankruptcy case # XXXX XXXX  XXXX Bankruptcy case # 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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX card was never used. There is no information in their computer system. It is eight year old account. It is still on all three credit reports. It needs to be deleted off.

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 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  was never used. There is no information in their computer system. It is XXXX year old account. It is still on all three credit reports. It needs to be deleted off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  was never used. There is no information in their computer system. It is XXXX year old account. It is still on all three credit reports. It needs to be deleted off.

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 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: NM

Complaint narrative:
I can't seem to talk to anyone in XXXX, Texas about my money this month.

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 2023-01-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-09 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-01-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: AR

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights.

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

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 2023-01-09 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: EQUIFAX, INC.
State: AR

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp
State: IN

Complaint narrative:
XXXX XXXX appointment XX/XX/XXXX at which time new insurance card provided by client ( recently turned XXXX and now under individual plan via employer ) ; XXXX XXXX  provides full coverage of all preventative services with {$0.00} copay. 

Sometime after XX/XX/XXXX ( as evidenced by mail forwarding per XXXX from prior residence ) statement sent from dental office with unpaid balance on account dating back to said appt prior year ; no contact prior to this. 

Several phone calls exchanged between myself ( client ) and dental office to refute charges. Discovered Incorrect insurance billed, therefore XXXX XXXX  information provided. Claim rejected as was billed outside the service window. Argued against fault for improper billing as charges are not responsibility of client from clerical error. 

Received call summer/fall of XXXX from collections agency regarding outstanding balance that had been forward. Explained situation and again disputed fault for improper billing as charges were not the financial responsibility of client. Noted these events as if disputed claim would be taken care of/ resolved with dental office. No additional contact from either entity. 

Now XX/XX/XXXX informed of negative impact from unresolved dispute on credit report, affecting favorable mortgage loan rates when believed to be resolved months ago.

Company response to consumer: Closed with explanation