vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax, XXXX, XXXX Im having a problem with XXXX XXXX XXXX XXXX being reported open and closed on my credit report saying its in good standing then it saying its not. FCRA Act Law everything must be exact across all three credit Bureau im seeing inaccuracies on my credit report. This stopping me from obtaining things in life to better me and family need help fixing this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: FL

Complaint narrative:
Dear CFPB, XXXX XXXX XXXX XXXX, # XXXX It is my understanding that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification I have sent letters to ( TRANSUNION LLC ) regarding inaccurate information in my credit file. They have failed in investigate and verify my disputes and the inaccurate information remains in my credit file. Now I would like to file my CFPB complaint formally. 
Again, I am requesting a re-investigation and verify that all the data for this alleged account is 100 % accurately reporting correctly including every notation, dates, and balances, whether they are currently reported or not. 
The report presented by Transunion LLC presents several inscorrect information 1 THE DATE OPENED : Is incorrect 2 THE DATE CLOSED : Is incorrect 3 HIGH BALANCE : Is incorrect I include credit report from Smart credit and Transunion where the different can be seen. 

( Include copies of the letters sent to the Credit Reporti

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 2024-01-03 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found multiple account of Affirm on my XXXX credit report that was not open by me. This has been hurting me as I am in the process oy buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: MI

Complaint narrative:
Need this account removed trying to buy a home soon.

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 2024-01-03 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: FL

Complaint narrative:
Dear CFPB, XXXX XXXX XXXX XXXX XXXX  # XXXX It is my understanding that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification I have sent letters to ( TRANSUNION LLC ) regarding inaccurate information in my credit file. They have failed in investigate and verify my disputes and the inaccurate information remains in my credit file. Now I would like to file my CFPB complaint formally. 
Again, I am requesting a re-investigation and verify that all the data for this alleged account is 100 % accurately reporting correctly including every notation, dates, and balances, whether they are currently reported or not. 
The report presented by Transunion LLC presents several inscorrect information 1 THE DATE OPENED : Is incorrect 2 THE DATE CLOSED : Is incorrect 3 HIGH BALANCE : Is incorrect 4 LAST PAYMENT : Is Incorrect. 
I include credit report from XXXXXXXX XXXX and Transunion where the different can be seen.

( Include copies of the letters sent to the Credit Reporti

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
I have a student loan through the servicer ECSI, opened in XXXX, which I paid off and closed XX/XX/XXXX. My monthly statements began in XX/XX/XXXX. I paid above the minimum payment every month until account closure. My credit, however, does not show the correct information for either XXXX or XXXX. 

With XXXX, this loan is not shown at all. I have had incredible difficulty submitting a dispute or contacting XXXX, and so have not had any contact with the company at all. I attempted to call XXXX at the number listed online ( XXXX ) on XX/XX/XXXX -- whoever answered asked me very personal questions, including my full home address and full SSN. He also texted me a verification code and asked that I give him the number. I stated that that behavior was strange, and I was nervous about being scammed. He said, " I need this information to verify your identity ''. This seemed very odd, so I hung up and have not tried again since then. 

With XXXX, I have submitted two disputes. At first, the loan showed at full balance, no payments, as of XX/XX/XXXX. I submitted the first dispute on that date, providing screenshots of payments and {$0.00} balance. The results of that dispute, ready XX/XX/XXXX, still led to inaccurate reporting -- the loan showed as closed, with payments of {$0.00} made from XXXX. I submitted the second dispute on XX/XX/XXXX to argue against these changes. The results from the second dispute, sent on XX/XX/XXXX, stated that the published information was correct and would not be changed. 

I called ECSI on XX/XX/XXXX to state that my payments were not being accurately reported to the bureaus. The representative stated, " There is no credit reporting on this account. You should reach out to the credit bureaus, '' and that there was nothing to be done on ECSI 's side.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
On the night of XX/XX/XXXX, I tried to call company to discuss a dispute. When I called I originally was on hold for 45 minutes waiting for the dispute team. When I finally reached that team the operator hung up on me before we even got a chance to talk. I then had to call back in 3 more times only to get transferred right back into the same queue to wait on hold again for a longer amount of time. This company needs a way to escalate calls for people that get hung up on, or the call center rep needs to call the individual back they hung up on. This company is not staffed appropriately. Nor is the company providing the level of technology needed to dispute charges. We attempted to upload video to the chase website, for only it to not work. Then they sided with the merchant without even accepting all the evidence required to make the right decision. Now I am asking that Chase kick off the arbitration process with the company instead of charging me for services not rendered. This company is going way out of the way to make the experience so bad, they are trying to drive customers not to call in. Then when I ask them to go back and review calls, or file complaints on previous call center reps, they say they dont have the technology or given the rights to do so. This company is so far out of line they need to be regulated to the point that the government oversight ensures the call center reps have all the technology they need to make the appropriate decisions. This company is doing this on purpose to protect themselves and the merchants and not the customer. They need to be fined for this activity. We are talking about technology that has been available for over 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have received 3 hard inquiries from JPMCB Card Services in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not apply for any credit cards or loans from this bank. I would like these hard inquiries removed and reported as fraudulent. I would like to stop the person from using my information to attempt to open an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: NY

Complaint narrative:
I contacted each credit report agency regarding information that is inaccurate on my credit report. They have not responded or given me the information I requested. I have waited over 30 days for a reply and still no reply. I would love to get this issue resolved asap.

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 2024-01-03 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: NY

Complaint narrative:
I contacted each credit report agency regarding information that is inaccurate on my credit report. They have not responded or given me the information I requested. I have waited over 30 days for a reply and still no reply. I would love to get this issue resolved asap.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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 2024-01-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I placed {$40.00} on a cd on XXXX at SUNTRUST BANK 's branch office in XXXX, Fl. The lenght of the cd was 4 years with an annual interest rate of 2 % .On XXXX of XXXX, while i was waiting to get my money released, i found out the bank had changed from Suntrust to TRUIST BANK XXXX and unauthorizedly renewed my cd until XXXX, and changed the annual interest rate from 2 % to 0.01 % .Since i am not able to visit a branch office, I have called several times, getting no response from any of the customer service operators i have spoken to. I've sent e-mails, i have mailed documents to the addressesn provided for it, yet i have not received my money or any answer regarding this issue.

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 2024-01-03 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: DC

Complaint narrative:
These companies have violated my rights by putting information on my consumer report without my consent

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 2024-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I relocated to the state of Tennessee from the state of NY and took a significant reduction in my pay. long story short we where forced out of our mortgage after we could no longer get caught up after covid job loses. I finally got a job in Tennessee making only $ XXXX from making $ XXXX and I am paid once a month at the very last day of the month with the school district. I called Santander to arrange for a 2 month extension so that I could get caught up. I was told that I have not made the require XXXX payments to qualify, b ut if I paid {$220.00} I would then qualify. I paid the {$220.00} and was still to this day told there is nothing they can do. I can not get blood from a stone if I don't have it I don't have it, but they are unwilling to cooperate and work with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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.

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 2024-01-03 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.

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 2024-01-03 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: NC

Complaint narrative:
i want my credit report fully investigated and show me who and how you investigated

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a student loan through the servicer XXXX, opened in XXXX, which I paid off and closed XX/XX/XXXX. My monthly statements began in XX/XX/XXXX. I paid above the minimum payment every month until account closure. My credit, however, does not show the correct information for either Transunion or XXXX. 

With XXXX, this loan is not shown at all. I have had incredible difficulty submitting a dispute or contacting XXXX, and so have not had any contact with the company at all. I attempted to call XXXX at the number listed online ( XXXX ) on XX/XX/XXXX -- whoever answered asked me very personal questions, including my full home address and full SSN. He also texted me a verification code and asked that I give him the number. I stated that that behavior was strange, and I was nervous about being scammed. He said, " I need this information to verify your identity ''. This seemed very odd, so I hung up and have not tried again since then. 

With Transunion, I have submitted two disputes. At first, the loan showed at full balance, no payments, as of XX/XX/XXXX. I submitted the first dispute on that date, providing screenshots of payments and {$0.00} balance. The results of that dispute, ready XX/XX/XXXX, still led to inaccurate reporting -- the loan showed as closed, with payments of {$0.00} made from XXXX. I submitted the second dispute on XX/XX/XXXX to argue against these changes. The results from the second dispute, sent on XX/XX/XXXX, stated that the published information was correct and would not be changed. 

I called XXXX on XX/XX/XXXX to state that my payments were not being accurately reported to the bureaus. The representative stated, " There is no credit reporting on this account. You should reach out to the credit bureaus, '' and that there was nothing to be done on XXXX 's side.

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 2024-01-03 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: NC

Complaint narrative:
I have a student loan through the servicer XXXX, opened in XXXX, which I paid off and closed XXXX XXXX, XXXX. My monthly statements began in XXXX XXXX. I paid above the minimum payment every month until account closure. My credit, however, does not show the correct information for either XXXX or Equifax. 

With Equifax, this loan is not shown at all. I have had incredible difficulty submitting a dispute or contacting Equifax, and so have not had any contact with the company at all. I attempted to call Equifax at the number listed online ( XXXX ) on XX/XX/XXXXXXXX  -- whoever answered asked me very personal questions, including my full home address and full SSN. He also texted me a verification code and asked that I give him the number. I stated that that behavior was strange, and I was nervous about being scammed. He said, " I need this information to verify your identity ''. This seemed very odd, so I hung up and have not tried again since then. 

With XXXX, I have submitted two disputes. At first, the loan showed at full balance, no payments, as of XX/XX/XXXX. I submitted the first dispute on that date, providing screenshots of payments and {$0.00} balance. The results of that dispute, ready XX/XX/XXXX, still led to inaccurate reporting -- the loan showed as closed, with payments of {$0.00} made from XXXX. I submitted the second dispute on XX/XX/XXXX to argue against these changes. The results from the second dispute, sent on XX/XX/XXXX, stated that the published information was correct and would not be changed. 

I called XXXX on XX/XX/XXXX to state that my payments were not being accurately reported to the bureaus. The representative stated, " There is no credit reporting on this account. You should reach out to the credit bureaus, '' and that there was nothing to be done on XXXX 's side.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: VW Credit
State: CA

Complaint narrative:
Audi rep types in wrong account number on XX/XX/XXXX when payment made on phone. 
XX/XX/XXXX rep took payment by phone after I thoroughly explained history of payment being rejected, per " my bank ' nothing posted or rejected on my checking acct. 
XX/XX/XXXX same process as XX/XX/XXXX. Audi rep assured me payment processed. Payment made XX/XX/XXXX posted XX/XX/XXXX for XXXX payment. 
XX/XX/XXXX received letter " XXXX payment late ''. Called XXXX XX/XX/29 to inquire as to why? Since my bank showed payment went through. Per Audi that payment posted to XXXX payment which was rejected. After much deliberation with rep, he took the time to look at account. Audi rep was able to find the problem, the rep on XX/XX/XXXX had typed in incorrectly the checking account number. This was Audi rep failure to listen to customer and the facts. I feel I did due diligence in communicating with Audi, however they did not take time out to ascertain why payment being " rejected '' even after me reprising of what my bank had advised

Company response to consumer: Closed with explanation