vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$9200.00}

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, 2022, I contacted Citibank Shop Your Way credit card regarding the reward that was promised when I signed up for their offer : XXXX. 
A summary of Citibanks response ( Slide 1 ) is shown below : Offer : You can earn 10 % in a statement credit ( up to a total of {$90.00} ) on eligible online purchases which total {$700.00} or more each month from XX/XX/2022 ( or the date the offer is activated, Our record indicates that y0u activated the below offer on XX/XX/2022 Eligible purchases made prior to activation will not be eligible. 
Our record indicates that you did not qualify due to fail to meet spend hurdle. the total eligible spend was {$150.00} during the period of XX/XX/2022 06/30/2022.. 

In different communications on XXXX XXXX, I told Citibank that my total expenditures during the promotional period were above their minimum requirement. In fact, between XXXX.2022-XXXX.2022, I spent {$2300.00} ( Slides 2-4 ) well over the {$700.00} spend hurdle. 
I spent money in national grocery ( XXXX XXXX and pharmacy ( XXXX ) XXXX, fast food restaurants ( XXXX ) XXXX casual restaurants, doctors office, etc. and none of those transactions were considered. They only considered the purchase at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This is XXXX XXXX submitting this CFPB Complaint to follow up the previous complaint I submitted on XX/XX/XXXX. I sent a letter on XX/XX/XXXX to remove some of the XXXXersonal Information, Accounts and Inquiries that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Under the provisions of the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 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: SC

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these account. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I discovered that some of the accounts on my credit report are incorrect when I reviewed it. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: SD

Complaint narrative:
IQ data collections submitted my information to the credit bureaus, stating that I have a debt they are trying to collect. They are looking to collect {$5500.00} from me and someone else on a joint account for our townhome that we were staying in. They did not send written documents stating the nature of the debt. I also was notified from the original landlord, that we had 2 days to move out, or to pay the remaining balance for the townhome. I am confused as to why I was brought into collections by XXXX XXXX XXXX a year later, and why I was never notified before hand about said debt. Thank you! P.S. XXXX XXXX XXXX kept our entire deposit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$0.00}

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 2022-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Closed on my house today XX/XX/XXXX with JP Morgan Chase Bank. XXXX was XXXX XXXX nmls id XXXX. Yesterday, XX/XX/XXXX, I got the Final closing disclosure. At that point I found out my property taxes had doubled from the XXXX I received 6 days prior on XX/XX/XXXX and from what was shown on previous loan estimates. My monthly payment had now increased {$420.00} one day prior to closing. When I called the closing agent at Chase, she told me apparently they had a tax cert on XX/XX/XXXX and uploaded it on XX/XX/XXXX and that the property taxes were around {$9500.00}. Not the {$4500.00} that they used on all XXXX and previous XXXX sent to me after XX/XX/XXXX and prior to XX/XX/XXXX. That put me, my family, the sellers, the agents all in a predicament. My XXXX  previously suggested that XXXX was pretty accurate for taxes. So I believed her. I was completely blindsided when I saw the FINAL XXXX on XX/XX/XXXX showing my payment increase drastically and my cash to close increase about {$5000.00}. All because they didnt update the file with correct tax amounts they had already received. I felt strong armed into closing at that point because I would lose {$5500.00} in earnest and option money and put out the sellers who has sold all their furniture. So much for know before you owe. This is in Texas. I believe they used the previous owners homestead exemption taxes in all the XXXX and XXXX or the XXXX amount prior to XX/XX/XXXX. I assumed a seasoned XXXX or closing department would pull taxes from the county then account for exemptions and reassessments, especially in Texas. This seemed almost like a bait and switch or deceptive to me that they waited to the last minute and forced me in to a tough position. I truly would not have bought this home had I known this in the beginning. I asked my loan closer, to escalate the matter and see if they would refund my earnest and deposit money if I backed out. They had the operations manager XXXX XXXX call me and say this is the way it is. She did inform me I could file for a homestead exemption and my taxes should go down some. But I knew the current owners were seniors, so it probably wont get near as low as the numbers that were previously being used to estimate my loan. If Im lucky, my payment will be {$250.00} over what I had budgeted for my family. Im surprised this didnt throw off my Debt To Income and Ability to Repay. I know its my responsibility at the end of the day to check taxes so I admit fault there, but Chase had ample opportunity to present me with more accurate information and withheld that info until the worst possible moment. The title company said they had no issue using the tax rate from the XXXX XXXXssued to me on XX/XX/XXXX, but that Chase insisted on this change last minute. This doesnt feel right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have had Macy 's credit card for years. I used it occasionally and always paid full balance down if I get the statement in time or can access it online. 
It's extremely complicated to manage the account online. They have separate userid for Macy 's ( for online shopping ) vs store credit card vs store card with AmEx. 
They never send statements or payment reminders in time and mostly I got physical statement when I'm already past due and charged late fees and interests. Multiple occasions I ended up paying those extra fees and interests. 
Finally I was done with it as I closed my account over phone and paid outstanding balance one last time. 
Somehow they figured out a way to charge me additional fees or something. I have no idea what. But now I have a {$14.00} balance that 120 days due at credit bureaus! Only {$14.00}! 
I never received any communication about this {$14.00} ( no mail/ email/text/phone! ) For this my credit score has dropped by almost XXXX points! ( went to XXXX from XXXX! ) The reason I'm complaining to cfpb now instead of picking it up with Macy 's again I think their ambiguous practice may be hurting a lot more customers than just me.

I would expect cfpb to force them to take action in terms of cleaning up my credit history and take a hard look at their bad operational practices.

Also my shopping in Macy 's has reduced over last couple of years part of my annoyance with their credit card. I may never shop at Macy 's anymore and use others instead.

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 2022-09-02 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: KY

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00}, 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 XXXXXX/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 2022-09-02 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: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), The credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts payment history has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts late payment history must be removed and if you are unable to provide me a copy of verifiable proof, you must remove late payment statues from the account listed. XXXX XXXX According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), The credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts payment history has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts late payment history must be removed and if you are unable to provide me a copy of verifiable proof, you must remove late payment statues from the account listed. XXXX XXXX According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Santander

is reporting information on my consumer report without my information. I am the consumer, and I control w hat is placed on the report according to 15usc1681b no permissible purpose. Transaction history is not to be reported according to the consumer laws. The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report. The privacy law is broken according to The Privacy Act of XXXX ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.

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