vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-27 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have disputed fraudulent transactions on the Discover account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, 6 months after receiving an IRS Form -1099-C from Discover Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the 10 year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase Bank online website states that they are able to waive the fee for a new chase slate credit card for a balance transfer IF the original credit card was with chase bank. Yesterday ( XX/XX/2023 ), I went to the Chase Branch at XXXX XXXX in XXXX, Oklahoma so I could complete a balance transfer from one credit card to another in order to pay off some debt that I have accrued. They assured me that this was feasible so I opened up the credit card and attempted the balance transfer. They said it was approved and that I would be able to see the transfer within a few days. Today ( XX/XX/2023 ), I received a phone call from the woman who helped me yesterday stating that Chase bank can not accept balance transfers from an original chase credit card which was completely different from yesterdays conversation and the information that their website states. This is a major issue as it will likely affect my credit report, as I will have to close the new credit card. A reputable bank such as Chase bank should absolutely never market these lies, and have their employees state this, and then a day later after the credit card has been approved state that they are not able to do what they originally intended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American express failed to accept documentation that demonstrated I am a victim of identity theft. They have damaged my credit but I can live with that. The problem has become larger now that Ameeican Express has sold the debt to a third party but continues to report that I owe them. Companies are not allowed to double dip and the FTC will need to get involved to mediate in this illegal act. Companies like American Express need to be held accountable to the damage they have caused innocent consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: American First Finance, Inc.
State: NC

Complaint narrative:
XXXX collections are refusing to remove accounts from my credit report. I'm currently on the phone in regards to this matter with the agent/supervisor. This is damaging my reputation which is a violation pursuant to the FCRA. I've applied for credit and was denied due to this, I also have a right to privacy and theyre willingly and knowingly reporting inaccurate information on my credit file. I also never gave this company my written permission to furnish on my credit file. They have stated that theyre not required to provide a consumer with a validation of debt, and that a verification of debt is all theyre required to do. I'm disputing this account on those grounds. I do not validate this debt at all, so how can they validate?. They can not, so i'm requesting for these alleged accounts to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
I am looking over my credit report, and my credit age is being reported as only being XXXX months old. I have an account with XXXX XXXX XXXX, that is now closed, but that I had open for nearly XXXX years! With 100 % payment history at that, and I opened that account in XXXX. Screenshots will be attached. Misinformation on my report is hurting my score and leading me to many denials. Please fix this Im sure there is no way my credit age is XXXX months old!

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 2023-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I rec 'd a voicemail on XXXX from XXXX XXXX, pH. XXXX XXXX He said he was with Rdac, which is the name revealed on my caller ID. 
I XXXX the pH. # ; it showed debt collections. 
I have not attempted to contact XXXX XXXX. I am afraid this is a scam. 
I have no outstanding debt at this time that I am aware of. I have not received any written notification of any company to that effect. I have never heard of Rdac.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
My Mortgage company is Amerihome. 
Loan started XX/XX/XXXX and started paying more than I was supposed to into escrow account. {$2300.00} At the end of the first year I had an overage of {$2700.00}. 
I received my monthly statement in XXXX or XXXX of this year and my payment went up to {$2500.00} I was shocked and surprised by this and called them. They put a work order in and finished the research on XX/XX/XXXX. 
I was told that the check for {$2700.00} was mailed to me and cashed by me between XX/XX/XXXX and XXXX XXXX. That was why there was an increase to my monthly payment. 
I explained that this is impossible and never received anything in the mail, never cashed the check and checked all banking institutions. NO CHECK WAS EVER CASHED BY ME. 
I then asked for an image of front and back of the check, signature as well, but was told that was not part of the research they did. 
So I was told to put another work order in to request an image of the check with the understanding that they might not have it. 
I HAD MONEY FROM MY ESCROW BASICALLY STOLEN FROM ME AND DON'T KNOW WHAT RECOURSE I HAVE.

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 2023-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
After my initial payment for a XXXX month loan an XXXX withdrawal for an XXXX months balance was initiated for the XXXX payment leaving a balance of {$28.00}. Upon calling Lendumo I was informed an online request was made to change my password and request the payment. This was stopped and Lendumo could not tell me the XXXX  address and I must receive a phone text with access code to access the account. I would like the FTC to investigate these practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from 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 non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I have attempted several times to get a copy of my report through the company and their website is erroneous and does not work. I was denied a checking account based on BAD information supplied by the companyt to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed fraudulent transactions on the XXXX account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, 6 months after receiving an IRS Form -1099-C from XXXX Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the 10 year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: TX

Complaint narrative:
I have disputed fraudulent transactions on the XXXX account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, 6 months after receiving an IRS Form -1099-C from XXXX Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the 10 year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.

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 2023-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc.
State: WI

Complaint narrative:
Cash app is not letting me access one of my accounts someone locked me out of my account and they are dening me access to my funds that are on my name I tried today to fix this with them and they will not fix it I want my funds out of there over XXXX XXXX in that account my ss is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XXXX XXXX XXXX  I brought a XXXX XXXX XXXX from US AUTO SALES in XXXX, Ga at the dealership. Within a week, the transmission was already slipping. By month two the transmission had gone completely out. After taking the vehicle to XXXX located on XXXX XXXX, and waiting over a month and a half for a {$5000.00} brand new transmission and approval from the warranty company XXXX, I received the vehicle back. But unfortunately it was doing the same thing and a week later, the transmission fluid started leaking. The XXXX told me it was my fault because I had hit a median or pothole. But after getting a second opinion ( on camera this time ) I was told they had put a bad transmission in my vehicle. Rusted out was the exact phrase used. US AUTO SALES PROMISED TO REPLACED THE VEHICLE BUT KEPT GIVING THE RUN AROUND. This went on for almost a year with the vehicle constantly breaking down and almost causing numerous accidents. Then in XXXX they shut their doors indefinitely and unexpectedly. Taking the money out of the account for XXXX ( our warranty ), our roadside, and our GAAP. All with a broken down car and empty promises. And the day before they cut their phone lines, they repossessed my vehicle. They took over {$2000.00} from me as a down payment and I couldnt even submit a letter of remittance. I want my down payment back as well as the loan removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
I am looking over my credit report, and my credit age is being reported as only being XXXX months old. I have an account with XXXX XXXX XXXX, that is now closed, but that I had open for nearly XXXX years! With 100 % payment history at that, and I opened that account in XXXX. Screenshots will be attached. Misinformation on my report is hurting my score and leading me to many denials. Please fix this Im sure there is no way my credit age is XXXX  months old!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
I am looking over my credit report, and my credit age is being reported as only being XXXX months old. I have an account with XXXX XXXX XXXX, that is now closed, but that I had open for nearly XXXX years! With 100 % payment history at that, and I opened that account in XXXX. Screenshots will be attached. Misinformation on my report is hurting my score and leading me to many denials. Please fix this Im sure there is no way my credit age is XXXX months old!

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