vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00}

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 2022-02-09 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I received the following message from XXXX, " We have located your Social Security number on a Dark Web site on XX/XX/2022. '' ( and ) " Next Steps : You can take immediate action by going to Experian.com/fraud to add a fraud alert to your credit file. '' I went to XXXXfraud and completed the process to add a fraud alert to your credit report. As part of Experian 's fraud reporting process I reported a name on my credit report that is NOT me with explanation of " Details : Never known by this name. '' When I submitted my fraud report I received the following error message, " The below XXXX item ( XXXX ) were not submitted and need your attention. '' ( and ) " Our system is unable to process this item. Please Cancel to Continue and contact us at XXXX XXXX XXXX XXXX so we may better assist you with this item. '' I called the number provided 4 times. All 4 calls I entered my SSN and my identity was verified. On each call I quickly hit a road block dead end in their automated voice prompt telephone system. They continuously asked me either or questions with no remotely reasonable answer. After 45 minutes of frustration and attempting to find alternate ways of contacting Experian I gave up and the only reasonable solution was for me to fill out this complaint. 

Example Teleprompts : - Are you calling about the active fraud alert on your account? Yes- Do you want to add an alert or remove an alert?... no that's not what I'm calling about and there is no possible way to exit the teleprompt... eventually they disconnect the call and then I have to call back- Are you calling about the active fraud alert on your account? No - For questions about your Experian membership press 1 if you have general questions press 2. 

I find it concerning they're unable to assist with my actual problem and yet they seem to be " soft marketing '' their Experian membership program.

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 2022-02-09 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: LA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-09 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: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXperian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00}

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 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
hi there got a check for XXXX from XXXX XXXX XXXX  on XX/XX/2022 deposited it in my new business account with jp morgan chase bank on XX/XX/2022. the said the funds will be available on XX/XX/2022 the funds where not. i went into the back and they told me the maker of the check had to come in the chase branch ; he can not, XXXX XXXX XXXX XXXX XXXXXXXX ; chase fraud call me, then called the maker of the check, then called the XXXX XXXX XXXX ; they verified the funds but said they will have to hold the funds until XX/XX/2022. they closed my account on XX/XX/2022 and keep the money and refuse to released my funds. I have been on the phone with them for over 11 hrs trying to resolve ; their answer is the maker of the check 's phone number is not listed. so they will not release my funds. AND will keep the funds because I am unable to verify the check that was written to me. 

JPMorganChase is steeling money from its customer 's!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I HAVE VARIOUS ACCOUNTS THAT I AM DISPUTING AND THAT ARE REPORTED IN CORRECTLY

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 2022-02-09 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 — Problem with personal statement of dispute
Company: I.C. System, Inc.
State: MD

Complaint narrative:
This complaint is related to complaints XXXX, XXXX, & XXXX, the last of which was filed yesterday. This involved a single alleged debt of {$110.00} which I have disputed with the company and which the company before today had reported to the credit agencies 4 separate times. In response to yesterday 's complaint, the creditor responded : " This account has been closed and returned to the original creditor. We will request deletion from the credit reporting agencies. '' However, I have just received notification from XXXX that the debt has been reported a fifth time today. Please see attachment. I'm pretty sure duplicate reporting of a single debt is illegal but now we are up to five times. 
This involves a disputed debt wherein XXXX charged me for a phone line that I never requested and never used. The contract that I signed with the company did not contain a phone line and the company 's records will show that no calls were ever made or received. Yet XXXX refuses to refund all overcharges because of the company 's " policy ''. In addition, the company is charging me for weeks of services that I never used after I cancelled my service and returned all equipment, contrary to the terms of the contract that I signed.

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 2022-02-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every statement date and balance whether reported or not. I have sent letters every month From XX/XX/XXXX to XX/XX/XXXX trying to get this account corrected. 

XXXX XXXXXXXX XXXX Account XXXX : XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to XXXX status ( Paid as Agreed, Never Late ) and supply a corrected credit report to my creditors who have requested a copy of my credit report in the last XXXX months. Im also requesting the description of the procedure used to determine the accuracy and incompleteness of the information, I have read that this must be provided within XXXX days of the completion of your reinvestigation. I also read that under federal law, you have XXXX days to complete your investigation. It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this reject the complete within XXXX days of receipt of this letter, or you must remove the incorrect information please send an updated copy of my credit report to the above address. Thank you for your prompt attention, time and help in this matter.

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 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NY

Complaint narrative:
I was recently denied a credit extension by DISCOVER who discriminated against when I applied for a credit card.DISCOVER took adverse action against me.included are both my proof and evidence of the violations commited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I was behind on my payments, then they called and we arranged to make XXXX payments which would catch my account back up. Both payments were deducted from my bank account but were not applied to my loan as agreed and it still shows i am behind. I have called and spoke with customer service, who confirmed the payments were not applied correctly and they would forward for correction, but it has been a week and has not been corrected. This contines to reflect as overdue on my credit report, although I have paid as agreed, and I am tired of having to continue calling to try to get anything done since nobody can seem to help me. Please help me get my payments applied as agreed so my account is caught up. I have done my part. Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
The mortgage company PennyMac suddenly increased my mortgage payment by {$22.00} month in XX/XX/XXXX. Without any explanation. On or about XX/XX/XXXX, my monthly mortgage payment increased to {$640.00} with no justifiable reason or explanation. For the past 24 months, I have made additional Principle Only monthly payments in the amount of $ XXXX {$310.00} each month. My monthly mortgage payment should not have increased. This company is gauging customers for additional money. I have requested that my account be reviewed, corrected and my normal payments show as paid in full. Please contact me at the above address regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
All documents and/or actions are representation attempt to lawfully acquire information made accessible under government rule/act. None have I received ANY information or investigation results from the company ( s ) ( XXXX, XXXX, and TransUnion ). In XX/XX/XXXX credits reports are viewed online. Information is inconsistent and contains inaccuracies. 
XX/XX/XXXX Annual credit reports are viewed. Various inaccuracies, missing data, and incorrect items are noticed again. Website times-out frequently while using. The site requires many cycles of refreshing. I am unable to print viewed reports I used authentication to view because of unknown error, printing inaccessible. Authentication consists of unrelated questions about report content. This is very confusing and consequently leads to mistakes and unfamiliarity about identity verification. A disclaimer on the site mentions only being able to view the reports once. I panic. Luckily (? ), a glitch allows me to view reports the next day without authentication to prove identity. This is an identity risk and feels unsafe. 
In XXXX, the credit company ( s ) are contacted by phone and REMOVE items deleting incorrect data. Authentication is required once again verbally now and calls recorded. Representatives remove INCORRECT data ( names ) and CORRECT data during the call. However, incorrect names, incorrect address ( es ), and unreported data said to be fixed remains even after much time given to complete. 
( XX/XX/XXXX ) I mailed using XXXX  XXXX services, Fair Credit Reporting Act, Section 609 Letters to the company ( s ) XXXX, XXXX, and TransUnion. 
XX/XX/XXXX, Two-week notice of noncompliance ( Demand to Comply ) Letters mailed to acquire information and/or investigation results. Also requesting REMOVAL of ALL Negative Items, inaccuracies, and unverifiable information. 
XX/XX/XXXX, Fair Credit Reporting Act, Section 609 : Demand to Comply:30 Day Letters sent requesting all of my verifications, investigation results, and IMMEDIATE DELETION of ALL Negative Items, inaccuracies, and unverifiable accounts. To all requests I received NO RESPONSE.

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 2022-02-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
All documents and/or actions are representation attempt to lawfully acquire information made accessible under government rule/act. None have I received ANY information or investigation results from the company ( s ) ( XXXX, Experian, and XXXX ). In XX/XX/XXXX credits reports are viewed online. Information is inconsistent and contains inaccuracies. 
XX/XX/XXXX Annual credit reports are viewed. Various inaccuracies, missing data, and incorrect items are noticed again. Website times-out frequently while using. The site requires many cycles of refreshing. I am unable to print viewed reports I used authentication to view because of unknown error, printing inaccessible. Authentication consists of unrelated questions about report content. This is very confusing and consequently leads to mistakes and unfamiliarity about identity verification. A disclaimer on the site mentions only being able to view the reports once. I panic. Luckily (? ), a glitch allows me to view reports the next day without authentication to prove identity. This is an identity risk and feels unsafe. 
In XXXX, the credit company ( s ) are contacted by phone and REMOVE items deleting incorrect data. Authentication is required once again verbally now and calls recorded. Representatives remove INCORRECT data ( names ) and CORRECT data during the call. However, incorrect names, incorrect address ( es ), and unreported data said to be fixed remains even after much time given to complete. 
( XX/XX/XXXX ) I mailed using XXXX  carrier services, Fair Credit Reporting Act, Section 609 Letters to the company ( s ) XXXX, Experian, and XXXX. 
XX/XX/XXXX, Two-week notice of noncompliance ( Demand to Comply ) Letters mailed to acquire information and/or investigation results. Also requesting REMOVAL of ALL Negative Items, inaccuracies, and unverifiable information. 
XX/XX/XXXX, Fair Credit Reporting Act, Section 609 : Demand to Comply:30 Day Letters sent requesting all of my verifications, investigation results, and IMMEDIATE DELETION of ALL Negative Items, inaccuracies, and unverifiable accounts. To all requests I received NO RESPONSE.

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 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have XXXX CITI Cards- XXXX for XXXX XXXX and the other for XXXX. Recently they lowered my credit limits on both cards to the point of where my credit cards were now right at their limits. What this means for me is that when they add their interest, each time it takes me OVER the new credit limits they moved me to and are reporting that action to the credit bureaus!!! Up until now I have been making my payments on these cards, true a few may have been late but they were paid inside the same month. I was furloughed for over a year and continued to pay them without asking for any type of recovery or forbearance. 
This appears to be a very unprofessional way to do business and my credit rating is suffering because of it. Until now I have been over XXXX for years and for the first time have dropped below that level due to this hidden money making scheme by CITI. 
Due to this I am in the process of having to take out a Home Equity line of credit to protect my credit. The good news if there is any, I will be closing out any accounts I have with CITI and staying with XXXX XXXX and my own bank card.

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 2022-02-09 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: WI

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I never had any relation with the creditor nor received any good

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Use of my information was reported without my consent. have Demanded the company to correct or remove. 

Pursuant 15 usc 1681a2 ( S ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant 15 usc 1681s -3 ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation