vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-30 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: GA

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint against Transunion for violating my rights under the Fair Credit Reporting Act. During a reinvestigation, pursuant to 15 U.S.C. 1681i ( 7 ) of the FCRA, I was supposed to receive a description of the procedure used to determine the accuracy and completeness of the information on my credit file from Transunion no later than 15 days after receiving my request for that description. I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my file through CFPB complaint numbers XXXX, XXXX, XXXX and by certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. It is now XX/XX/XXXX, and I have not received anything from Transunion regarding this matter. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to Transunions blatant disregard for federal law. It is my belief that Transunion feels comfortable committing blatant violations of the FCRA because they know the CFPB wont enforce the laws set forth by congress as shown time and time again. Transunion has caused me sleepless nights, stress, anxiety, and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ) If after any reinvestigation any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.

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 2022-01-30 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: MoneyLion Inc.
State: NJ

Complaint narrative:
I have been an active responsible member of money lion since XX/XX/2019. Since then I have paid off 4 successful personal loans one of them being the personal loan they have marked as payment status derogatory and charged off as ifI never paid the loan but I did and have evidence I will be attaching on here. 

Since then they have approved me for several personal loans that I have made right, made payments on time and paid back all of my loans. I have repeatedly reached out for them to make this inaccurate report right because it's affecting my credit score when it should be helping me. 

Not only that but it's also making harder to get approved for other loans and higher interest rate that would help me further my life because I have shown through my payments and my continuous loans they have given me that I can be trusted, I am responsible however this inaccurate report does say that and its affecting my self esteem in feeling like I can help my family being a co-signer on auto loans that would help them out but this stopping me from even helping my family and that really hurts me emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This account owned by JPMCB CARD, Account # XXXX is a credit card that was opened fraudulently and disputed. They refuse to remove the account from XXXX and after directly sending them documentation and disputes via certifies USPS they have not responded in a timely manner. I have sent them numerous disputes containing my identifying information as well as details of my dispute and i continually get a generic response of them requesting I send documents that were INCLUDED in each of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: TN

Complaint narrative:
This has happened on two occasions. XXXX as reporting an incorrect balance and multiple updates within a month on my credit file with XXXX, XXXX and Transunion. My last statement date is XX/XX/XXXX with a balance of XXXX. Since this date I had two purchases ( XXXX {$18.00} and XX/XX/XXXX {$780.00} ) and a payment of {$380.00} on XX/XX/XXXX. On XX/XX/XXXX, during the same reporting period and not the end of the period XXXX erroneously reported a balance of {$830.00} to my credit file with XXXX, XXXX and Transunion showing an 83 % utilization rate. I contacted an Account XXXX and she told me, any time you make a purchase XXXX will report it to the Credit Bureaus and I stated if that is the case why isn't the same thing done when I make a payment. If that was done the reporting would of indicated a balance of {$450.00} vice {$830.00} and a 45 % utilization rate. Additionally, she advised me the balance will update on XXXX which is the statement date. So this week I have to live with this erroneous information.

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 2022-01-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This has happened on two occasions. XXXX as reporting an incorrect balance and multiple updates within a month on my credit file with XXXX, Equifax and XXXX. My last statement date is XX/XX/XXXX with a balance of XXXX. Since this date I had two purchases ( XXXX {$18.00} and XX/XX/XXXX {$780.00} ) and a payment of {$380.00} on XX/XX/XXXX. On XX/XX/XXXX, during the same reporting period and not the end of the period XXXX erroneously reported a balance of {$830.00} to my credit file with XXXX, Equifax and XXXX showing an 83 % utilization rate. I contacted an Account XXXX and she told me, any time you make a purchase XXXX will report it to the Credit Bureaus and I stated if that is the case why isn't the same thing done when I make a payment. If that was done the reporting would of indicated a balance of {$450.00} vice {$830.00} and a 45 % utilization rate. Additionally, she advised me the balance will update on XXXX which is the statement date. So this week I have to live with this erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This has happened on two occasions. XXXX as reporting an incorrect balance and multiple updates within a month on my credit file with Experian, XXXX and XXXX. My last statement date is XX/XX/XXXX with a balance of XXXX. Since this date I had two purchases ( XXXX {$18.00} and XX/XX/XXXX {$780.00} ) and a payment of {$380.00} on XX/XX/XXXX. On XX/XX/XXXX, during the same reporting period and not the end of the period XXXX erroneously reported a balance of {$830.00} to my credit file with Experian, XXXX and XXXX showing an 83 % utilization rate. I contacted an Account Manager and she told me, any time you make a purchase XXXX will report it to the Credit Bureaus and I stated if that is the case why isn't the same thing done when I make a payment. If that was done the reporting would of indicated a balance of {$450.00} vice {$830.00} and a 45 % utilization rate. Additionally, she advised me the balance will update on XXXX which is the statement date. So this week I have to live with this erroneous information.

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 2022-01-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a secured credit card in 2018. Received a credit card in the amount I put down. After the first year showing I can manage my credit well, I have received my funds back and was issued a normal credit card for use with the same credit limit when opened. Since, I have been using this card regularly and have paid it off many times. It's been over three years and I haven't received an increase in my credit line. The brochure said I will undergo many account reviews ; and depending on my credit card behavior, I will get an increase to help build up my credit profile. Nothing has taken place and I feel I was misleadXXXX XXXX  needs to understand that I opened this account before they discontinued their secured credit card. They have not lived up to their promise. Moreover, I refuse to ask for a credit line increase since asking means XXXX will have to run my credit. Again I was promised during my account reviews I would be eligible for increases based on my good credit card management.

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 2022-01-30 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: GA

Complaint narrative:
This account owned by XXXX CARD, Account # XXXX is a credit card that was opened fraudulently and disputed. They refuse to remove the account from Experian and after directly sending them documentation and disputes via certifies USPS they have not responded in a timely manner. I have sent them numerous disputes containing my identifying information as well as details of my dispute and i continually get a generic response of them requesting I send documents that were INCLUDED in each of my 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 2022-01-30 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:
I AM A VICTIM OF IDENTITY THEFT.SOMEONE STOLE MY IDENTITY. ITS CAUSING ME SO MUCH HARDSHIP. I HAVE BEEN TRYING TO BUY A HOUSE AND THESE FRAUDULENT ACCOUNTS ARE CAUSING ME A HARDSHIP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE.

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 2022-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC
State: MI

Complaint narrative:
In XXXX of XXXX, I paid off my devices ( XXXX and XXXX XXXX ) and switched from XXXX post pay to XXXX prepay. The XXXX Representative failed to completely close my Postpay account before opening my prepay account so the system automatically billed me till XXXX XXXX. I had been on Prepay for over 6 months when the account closed. I would really appreciate it if this account would be closed and removed from my credit report it has literally stopped my from buying a home and has caused serious detriment to my credit and my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: FL

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX is incorrectly reporting a collection on my credit report. I have no knowledge of this account and I am not responsible for any debt reporting from this company. This account that is being reported negative on my credit report does not seem to be reported accurately and legally per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT.SOMEONE STOLE MY IDENTITY. ITS CAUSING ME SO MUCH HARDSHIP. I HAVE BEEN TRYING TO BUY A HOUSE AND THESE FRAUDULENT ACCOUNTS ARE CAUSING ME A HARDSHIP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE.

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 2022-01-30 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:
I AM A VICTIM OF IDENTITY THEFT.SOMEONE STOLE MY IDENTITY. ITS CAUSING ME SO MUCH HARDSHIP. I HAVE BEEN TRYING TO BUY A HOUSE AND THESE FRAUDULENT ACCOUNTS ARE CAUSING ME A HARDSHIP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express has issued a Credit Card in my name to someone else that is using it. When I applied for an American Express Card last year, I received a letter stating that my Credit Score was much lower than it actually was. I check my Credit Scores often and I knew that was a lie. American Express is now operating XXXX XXXX in XXXX. Also, I have asked for my late husbands statements, ( XXXX XXXX ) and American Express did NOT send me them after they said they would. My patience with their Egregious business practices have XXXX we orb me thin. If I dont get my, American Express Business Credit Card XXXX my late husbands file ( XXXX XXXX XXXX which I believe an, American Express Card ( s ) have been issued under his Social Security Number without his knowledge dnd consent, which is Elder Fraud by his alleged caregiver. If this matter is NOT handled to my satisfaction then, I am going to file a LAWSUIT against, American Express and their Board Members, who have allowed these, CRIMINAL practices to continue even after being notified. I have all of my documents to proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 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: FL

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX MD is incorrectly reporting a collection on my credit report. I have no knowledge of this account and I am not responsible for any debt reporting from this company. This account that is being reported negative on my credit report does not seem to be reported accurately and legally per FCRA.

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 2022-01-30 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:
FL XXXX XXXX XXXX XXXX MD is incorrectly reporting a collection on my credit report. I have no knowledge of this account and I am not responsible for any debt reporting from this company. This account that is being reported negative on my credit report does not seem to be reported accurately and legally per FCRA.

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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am unable to initiate an online dispute or view my dispute results. There is a message that says we are experiencing technical difficulties. This happened before and was due to the file size of my credit report mainly due to the number of experian and experian credit match soft inquiries which are generated from the credit monitoring service.

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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am unable to initiate an online dispute or view my dispute results. There is a message that says we are experiencing technical difficulties. This happened before and was due to the file size of my credit report mainly due to the number of experian and experian credit match soft inquiries which are generated from the credit monitoring service.

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 2022-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: U.S. Auto Sales Inc.
State: FL

Complaint narrative:
I got a loan on the vehicle in XXXX right before the coronavirus pandemic. Everything was in line until the XXXX XXXX cause my job to cut hours and then not being eligible for any XXXX relief checks I fell extremely behind due to me XXXX  XXXX as well during this time which caused me to be outta work for a month. And I struggled continuously to catch back up and still kept falling behind. I explained this to us auto sales and I have drained all my back payments they can offer. Then currently in XXXX I XXXX XXXXXXXX again within the time of me starting a new job and I explained this to us auto sales and they told me to either pay what I owe or there coming to reposes the vehicle. I just need them to be patient with me and there not understanding my circumstances. Please could you help me in this matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: NJ

Complaint narrative:
I have been an active responsible member of XXXX XXXX since XX/XX/2019. Since then I have paid off XXXX successful personal loans XXXX of them being the personal loan they have marked as payment status derogatory and charged off as ifI never paid the loan but I did and have evidence I will be attaching on here. 

Since then they have approved me for several personal loans that I have made right, made payments on time and paid back all of my loans. I have repeatedly reached out for them to make this inaccurate report right because it's affecting my credit score when it should be helping me. 

Not only that but it's also making harder to get approved for other loans and higher interest rate that would help me further my life because I have shown through my payments and my continuous loans they have given me that I can be trusted, I am responsible however this inaccurate report does say that and its affecting my self XXXX in feeling like I can help my family being a co-signer on auto loans that would help them out but this stopping me from even helping my family and that really hurts me emotionally.

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 2022-01-30 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: NJ

Complaint narrative:
I have been an active responsible member of money lion since XX/XX/2019. Since then I have paid off 4 successful personal loans one of them being the personal loan they have marked as payment status derogatory and charged off as ifI never paid the loan but I did and have evidence I will be attaching on here. 

Since then they have approved me for several personal loans that I have made right, made payments on time and paid back all of my loans. I have repeatedly reached out for them to make this inaccurate report right because it's affecting my credit score when it should be helping me. 

Not only that but it's also making harder to get approved for other loans and higher interest rate that would help me further my life because I have shown through my payments and my continuous loans they have given me that I can be trusted, I am responsible however this inaccurate report does say that and its affecting my self esteem in feeling like I can help my family being a co-signer on auto loans that would help them out but this stopping me from even helping my family and that really hurts me emotionally.

Company response to consumer: Closed with explanation