vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 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: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked a 3-day hotel room on Chase Travel through my Chase Sapphire credit card. ( Trip XXXX : XXXX ). I booked a one-king-bed room, but when I arrived at the hotel the front desk informed me that my reservation was for a 2-queen-bed room. So I called Chas

e Travel Support right away to confirm what happened, the customer representative told me that on Chase 's end I did book a one-king-bed room but on the hotel 's end it was a 2-queen-bed room, and it was clearly a technical issue from Chase Travel.

The Chase representative told me they needed to do some investigation on the back end. One month passed, and they called me telling me that it was a technical issue from Chase Travel and would like to offer me XXXX points ( XXXX $ ) as compensation. I declined the offer as I didn't get what I booked, so I requested a full refund because Chase was at fault. After I proposed my request, they immediately turned me down and also took away the original XXXX points offer, claiming they would close my case and complain as it is.\ I was shocked at how Chase treats their customer and how Chase doesn't address the wrong-doing caused by their technical issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

Company 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 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

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 2024-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2024-05-31 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: FL

Complaint narrative:
Im a victim of identity theft and I have a FTC Affidavit that Ive submitted to the Equifax but theyve refused to remove the fraudulent accounts. 
I have no knowledge of the accounts and requested the bureaus provide me with information regarding their decision and they are violating my consumer rights by refusing to provide me with proof. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I had a personal loan with PNC bank. I lost my job and got sick and was behind t payments. I have been customer for 10 years and not ever behind on payments before. My account had maybe {$100.00} in it. So they go into My XXXX XXXX XXXX sons account that stopped being connected to mind in XXXX of 2023, and they took the payment from his account. That was not my account. He is an adult and only his social and personal information is on that account. I opened the account when he was XXXX for college, but once he was adult we werent sent a letter that the 4 years for the college acount was over, and he would now have a standard bank. 
They had absoluetly no right to go into his bank, as he was never on the personal loan application or a part of the loan process, and take the money. 
I called and they claimed a phone was made to make the payment over the phone and that is absolutely incorrect and they could not provide me with who called and when. Then they said their policy is they can take the payment from your account if you are behind. I have an account, but it was only {$100.00}. If they could see my sons account then they could see I had a direct deposit pending for midnight and they could have taken it from me, or they could have overdraft me. I was NOT negative, I just hadnt made a payment. This is absolutley not legal, and completley unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am former XXXX student, XXXX XXXX XXXX most of my loans tied to XXXX. 
I discovered there was private loans, managed through Navient ( Sallie Mae ). I am challenging the loan as the school ( XXXX ) was found to be a predatory school and want to challenge Navient private student loans

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am working on purchasing my first home and have been checking my credit reports with all XXXX main credit bureaus. Experian is the standout for having a large amount of incorrect personal information and despite disputing these errors, I am receiving " notifications '' from Experian that my disputes have been updated as being correct, yet they have not removed any of the errors. The biggest issue is my student loans are no longer serviced by XXXX, as they have been transferred to XXXX. These XXXX student loans are appearing alongside the same exact student loans serviced by XXXX on my credit report- making it appear that I have open student loan debt through both servicers. This doubles the amount of student loan debt that I appear to have, and this is affecting my debt to credit ratio, my credit score, and my ability to get a mortgage loan. I have attempted to dispute with Experian and have sent them proof of the loan transfer that was provided to me by XXXX on XX/XX/year>. However, Experian has been unresponsive, and has failed to correct these duplications. This is a clear violation of the Fair Credit Reporting Act and is negligent behavior. 
I have also reached out to XXXX to request that they report the transfer of my loans to Experian, however, to my knowledge this has not been completed either.

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 2024-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
SPS has neglected to pay the property tax on my second parcel, and the County is going to foreclose on my home next month because of this neglect. I have been contacting them since XX/XX/year>, and I keep getting pushed off. Every person I talk to say they are sending it to the " Escalation Department '' and for me to contact them back in 10 days. Well, it has been over 3 months and I keep getting the same answer, and my taxes have not been paid. 

The money was taken out of my escrow to pay these taxes, but it has not been paid according to the County. I have given the County, SPS their " reference # '' they gave me, trying to appease our phone conversations, saying that they have paid but have not been able to give me a check number, nor given me a copy of a check. Their supervisors have given me different dates the check was sent, and different dates the so called check was cashed. Also, the amounts have changed with each person I have talked to. My first parcel was paid by wire, but how was this second parcel paid? No one can give me an answer. 

This is absolutely ridiculous, I feel they have stolen my money and not paid the County. They will not get on the phone with me and the County to resolve this issue. I have called over XXXX times, and they have all the notes every time I call in, but no one can give me a correct answer. I have emailed every department including their tax department every delinquent tax statement I have received ( Screenshot added ). The amount was originally {$3800.00}, with the monthly fees added, the total is now {$4400.00} and rising.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2024-05-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: MS

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2024-05-30 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: MS

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: TX

Complaint narrative:
Good Morning I recently reviewed my credit report and noticed an account that was not reporting accurately.I had a charge off status for over 5 years of something that I paid off in 2019 a charge of {$180.00} dollars the report number is XXXX with Florida XXXX XXXX XXXX XXXX 
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 XX/XX/year> to XXXX XXXXIm now requesting respectfully to investigate this account and update these payments to paid on time immediately. 

Thanks for the help and prompt action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I applied for a WELLSFARGO credit card thinking it was a Business Credit card on or about XX/XX/XXXX ; at that time I was not approved for the WELLSFARGO Credit card. However, I received a credit card in the mail from WELLFARGO on or about XX/XX/XXXX ; with a total credit limit of {$12000.00} and a Cash advance limit of {$2500.00}. I contact WELLSFARGO and spoke to a representative who I informed I was not approved for the credit card but received a card through the mail. I informed the WELLSFARGO representative to close the account ; the account was Officially CLOSED ; XX/XX/XXXX. As of XXXX, XXXX and XXXX of XXXX, Wellsfargo has continuously " reported '' to the Credit Reporting Agencies XXXX, XXXX and XXXX that the balance on the account has increased by imposing a {$40.00} LATE FEE on a CLOSED account that has caused my credit score to decreased on a monthly basis. The account is now reporting CLOSED with a - XXXX - balance as of 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 2024-05-31 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: PA

Complaint narrative:
I've consistently ensured that payments on this account were made on time, preventing them from becoming overdue. I'm unsure why there are late payment remarks on my accounts. According to 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 2024-05-31 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: MO

Complaint narrative:
I was charged a considerable finance charge by the dealership and Flagship Credit Acceptance and was not informed. I never would have made this deal.

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 2024-05-31 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: PA

Complaint narrative:
Ensuring timely payments on this account has always been my priority, and they have never been overdue. I'm uncertain about the reports of late payment remarks on my accounts. Based on 15 USC 1666b, these billing errors should be corrected.

Company response to consumer: Closed with explanation