vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 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: IL

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion has repeatedly refused to run disputes on multiple accounts that are not mine. They have incorrectly processed disputes, handled the wrong disputes, and ignored requests to run disputes for the past 12 months. Attached is a letter they sent requesting verification of my address. This verification wouldn't be necessary if they weren't disregarding the information I have sent them on multiple occasions. Also attached is the address letter that has been sent to them via certified mail 19 times. Each time, they have ignored and disregarded this letter and requested the same email verification. 
TransUnion is responsible for mixed files and furnishing and reporting inaccurate information intentionally. They have been informed multiple times over the phone and through the mail about the inaccurate accounts ( XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ). They have failed to investigate these accounts as other credit bureaus have, and have now completely ruined my credit score, making it unable to be pulled accurately. When applying for credit union accounts, they are unable to pull a correct score due to TransUnion reporting so much fraudulent information compared to other accounts. 
When asked to run previous disputes, TransUnion never processed them correctly within 30 days and reopened another 30-day dispute period, hoping it would go unnoticed, which is also a FCRA violation. TransUnion should not be given the chance to dispute information, and it should be removed immediately as they have shown they are not legally running disputes.

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 2024-06-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$49000.00} XX/XX/XXXX XXXX XXXX {$15000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$5900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$290.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$49000.00} XX/XX/XXXX XXXX XXXX {$15000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$5900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX  XXXX {$290.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2024-06-30 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: MD

Complaint narrative:
I am asserting my right to dispute and investigate these erroneously reported accounts on my credit file. According to the Fair Credit Reporting Act, I should be compensated {$1000.00} for each incorrect entry. I know that FCRA 605B obligates us to report any incorrect accounts on a consumer 's 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 explanation
Consumer complaint received 2024-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion has repeatedly refused to run disputes on multiple accounts that are not mine. They have incorrectly processed disputes, handled the wrong disputes, and ignored requests to run disputes for the past 12 months. Attached is a letter they sent requesting verification of my address. This verification wouldn't be necessary if they weren't disregarding the information I have sent them on multiple occasions. Also attached is the address letter that has been sent to them via certified mail 19 times. Each time, they have ignored and disregarded this letter and requested the same email verification. 
TransUnion is responsible for mixed files and furnishing and reporting inaccurate information intentionally. They have been informed multiple times over the phone and through the mail about the inaccurate accounts ( XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX ). They have failed to investigate these accounts as other credit bureaus have, and have now completely ruined my credit score, making it unable to be pulled accurately. When applying for credit union accounts, they are unable to pull a correct score due to TransUnion reporting so much fraudulent information compared to other accounts. 
When asked to run previous disputes, TransUnion never processed them correctly within 30 days and reopened another 30-day dispute period, hoping it would go unnoticed, which is also a FCRA violation. TransUnion should not be given the chance to dispute information, and it should be removed immediately as they have shown they are not legally running disputes.

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 2024-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion has repeatedly refused to run disputes on multiple accounts that are not mine. They have incorrectly processed disputes, handled the wrong disputes, and ignored requests to run disputes for the past 12 months. Attached is a letter they sent requesting verification of my address. This verification wouldn't be necessary if they weren't disregarding the information I have sent them on multiple occasions. Also attached is the address letter that has been sent to them via certified mail 19 times. Each time, they have ignored and disregarded this letter and requested the same email verification. 
TransUnion is responsible for mixed files and furnishing and reporting inaccurate information intentionally. They have been informed multiple times over the phone and through the mail about the inaccurate accounts ( XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX ). They have failed to investigate these accounts as other credit bureaus have, and have now completely ruined my credit score, making it unable to be pulled accurately. When applying for credit union accounts, they are unable to pull a correct score due to TransUnion reporting so much fraudulent information compared to other accounts. 
When asked to run previous disputes, TransUnion never processed them correctly within 30 days and reopened another 30-day dispute period, hoping it would go unnoticed, which is also a FCRA violation. TransUnion should not be given the chance to dispute information, and it should be removed immediately as they have shown they are not legally running disputes.

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 2024-06-30 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: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.

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 2024-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: DC

Complaint narrative:
For Heartland ECSI, their payment handling systems add fees that are nonsensical. I went to pay off the last ~ {$60.00} of my loan, and was almost hit with a {$3.00} fee for paying from my bank account. 
Upon further review, they waive fees for recurring payments, but not for one-time payments ( even if to pay off the entire balance ). This is very frustrating & predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/year> - I was in the process of booking a flight on XXXX XXXX. As I was preparing to checkout and pay, there was a promotion for the Citi AAdvantage credit card. If I apply for the credit card and use it on this purchase I can earn a {$200.00} account credit making my flight purchase net {$200.00} less and I would earn XXXX bonus miles due to the amount of the purchase. I clicked the " Learn More '' button which took me to a Citi website where it also advertised a " XXXX XXXX '' offer of the {$200.00} account credit and XXXX bonus miles. I clicked the " Apply Now '' button and began my credit card application. 

I was immediately approved and my credit limit is {$28000.00}. I received an email indicating my account is considered open as of today ( XX/XX/XXXX ), and I will receive my credit card in the mail within XXXX business days. 

That being said, I am unclear how I can use this card to complete my purchase on the XXXX XXXX website. 

I called Citi hoping to get access to a temporary account number so I can complete my purchase, but after getting transferred to multiple different departments and speaking with different agents and a supervisor, I was told they could not give out any information and I have to wait for the physical card to come in the mail. 

The only reason I opened the credit card was to get the " XXXX XXXX '' rewards ( bonus miles the statement credit ) from this purchase and the card member benefits when traveling on AA. I need to book the today flight because the rate will go back up and I wanted to get the rate I found today which was {$500.00} less than what I have been watching. 

This is predatory marketing and completely misleading. This is terrible customer service. I don't even have the card yet and I am upset with the company. Applying for the card made a hard inquiry on my credit for no good reason as I can't even use the card today. 

I will have to use a different credit card to complete my purchase which means I will not get any of " XXXX XXXX '' promotions advertised or any of the cardmember benefits for this flight with XXXX XXXX ( free checked bag, priority boarding, discount of in-flight purchases, etc. ). Citi needs to find a way to make this right with me.

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 2024-06-30 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: FL

Complaint narrative:
I am writing to formally dispute an incorrect late payment entry on my credit reports. This incorrect information has been reported to the credit bureaus Equifax, XXXX, and XXXX by XXXX XXXX XXXX. 

Account Details : Account Number : XXXX XXXX XXXX XXXX Last Reported Date : XX/XX/XXXX ( LATE PAYMENT ) Reported Late Payment Amount : {$90.00} Open Balance XXXX {$90.00} Credit Limit : {$2000.00} Statement of Dispute : Upon reviewing my consumer reports, I discovered a late payment entry that is factually incorrect. I have never been late on any payment for the aforementioned account. Since XXXX, I have had automatic payments set up from my bank account to ensure all payments are made on time. There has never been an authorization to remove this auto-pay setup. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, the term " consumer report '' excludes transactions or experiences directly between the consumer and the business. Reporting agencies are required to ensure the maximum possible accuracy of the information they provide. Reporting an inaccurate late payment constitutes a violation of this requirement. 

Action Requested : I demand that this incorrect late payment be immediately removed from my credit reports. If proof of the alleged late payment can not be provided, I insist that my payment history be updated to reflect on-time payments as they have always been.

Consumer Reporting Agencies have a vital responsibility to report consumer information accurately. The incorrect late payment reported by XXXX XXXX XXXXXXXX has caused unnecessary damage to my credit score and financial reputation. I urge you to investigate this matter promptly and correct the inaccuracies in my credit reports. 

( 15 U.S. Code 1681a ) : Consumer Report : A consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Maximum Accuracy : Agencies must ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Attached copy of my documents for verification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute an incorrect late payment entry on my credit reports. This incorrect information has been reported to the credit bureaus XXXX, Experian, and XXXX by XXXX XXXXXXXX XXXX. 

Account Details : Account Number : XXXX XXXX XXXX XXXX Last Reported Date : XX/XX/XXXX ( LATE PAYMENT ) Reported Late Payment Amount : {$90.00} Open Balance XXXX {$90.00} Credit Limit : {$2000.00} Statement of Dispute : Upon reviewing my consumer reports, I discovered a late payment entry that is factually incorrect. I have never been late on any payment for the aforementioned account. Since XXXX, I have had automatic payments set up from my bank account to ensure all payments are made on time. There has never been an authorization to remove this auto-pay setup. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, the term " consumer report '' excludes transactions or experiences directly between the consumer and the business. Reporting agencies are required to ensure the maximum possible accuracy of the information they provide. Reporting an inaccurate late payment constitutes a violation of this requirement. 

Action Requested : I demand that this incorrect late payment be immediately removed from my credit reports. If proof of the alleged late payment can not be provided, I insist that my payment history be updated to reflect on-time payments as they have always been.

Consumer Reporting Agencies have a vital responsibility to report consumer information accurately. The incorrect late payment reported by XXXX XXXX XXXXXXXX has caused unnecessary damage to my credit score and financial reputation. I urge you to investigate this matter promptly and correct the inaccuracies in my credit reports.

( 15 U.S. Code 1681a ) : Consumer Report : A consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Maximum Accuracy : Agencies must ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Attached copy of my documents for verification

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 2024-06-30 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On XX/XX/XXXX, I was pressured into buying a timeshare which I quickly realized was a mistake. On XX/XX/XXXX, I submitted paperwork in accordance with the contract to withdraw authorization for withdrawals/debits from XXXX on my Chase Credit card . I also sent a stop payment order to Chase and locked my card on XX/XX/XXXX. 

In XXXX ( only ), Chase let a payment go through to XXXX. I have filed XXXX disputes and Chase has sided with XXXX even though Chase betrayed me as their customer. I will attach the documentation I have sent to Chase twice. 

I disagree with Chases ' resolution because XXXX violated a federal statute when they took money from my account without my permission. I provided Chase with proof that I terminated my permission to XXXX to take money from my account. However, XXXX took it anyway, even though they did not have a legal right to do so. Chase is now a participant to this act of fraud, as Chase is allowing them to steal money from my account that they did not have my permission/authorization to take. 

I expect Chase to issue a full refund to my account, as XXXX no longer had my permission to take the monies and I met the federal requirements when I submitted my termination of my authorization to XXXX in writing, which XXXX received more than five days prior to the payment draft date, as required. I met the burden of proof requirement for Chase to resolve this dispute in my favor, when I provided evidence to Chase that XXXX received my written termination as required by the federal statute. I expect to see a permanent refund on my account and I expect CFPB to support my case. 

This is the statement from the contract where I have the legal right to revoke authorization which I did on XX/XX/XXXX : " I may choose to revoke this Authorization : ( i ) by telephone at XXXX ; or ( ii ) in writing by mail to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX. This Authorization in no way limits any right I may have under federal law to stop payment by contacting my financial institution. '' This is the second time I have sent this to you. Chase contacted me but literally the person who contacted me from Chae did NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NY

Complaint narrative:
I am a victim of identity theft. there is also address and names on my credit reports that I do not recognize

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