vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$720.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$720.00} Balance updated XX/XX/XXXX Never had account. Similar person by name. iD theft. Violation of federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XXXX, I received a credit alert about a hard inquiry from Barclay 's Bank. I immediately froze my credit through XXXX as they were the ones reporting the inquiry. 
On XXXX I called Barclay 's Bank and they said they do not see an application on their end and I should call XXXX. I immediately called XXXX and they saw an application submitted on XXXX. I have not applied for any credit. They gave me an old address that was used on the application and a phone number that I do not recognize. They told me to fill out the FTC.Gov forms to fix this and remove the fraudulent inquiry.

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 2024-02-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Texas XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i . I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX XXXX XXXX 
Account # : XXXX Amount {$2900.00} XXXX XXXX XXXX. 

Account number XXXX Amount {$830.00} Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Amount : {$1900.00} Account name XXXX XXXX XXXX  Account number XXXX Amount {$670.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$470.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Amount : {$500.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$790.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$1700.00} I do not have a contract with these companies and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within XXXX  days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.

If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past XXXX months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX

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 2024-02-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i . I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX XXXX  XXXX. 
Account # : XXXX Amount {$2900.00} XXXX XXXX XXXX. 

Account number XXXX Amount {$830.00} Account name XXXX XXXX XXXXXXXX XXXX  Account number XXXX Amount : {$1900.00} Account name XXXX XXXX XXXX Account number XXXX Amount {$670.00} Account name XXXX XXXX XXXX  Account number XXXX Amount : {$470.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Amount : {$500.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$790.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$1700.00} I do not have a contract with these companies and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.

If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past XXXX months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
An unauthorized hard inquiry was fraudulently conducted on my XXXX credit report, and other credit agencies by Sync-Amazon on XX/XX/year>. 
The inquiry was made using the address XXXX XXXX XXXX XXXX, PA XXXX and the telephone number ( XXXX ) XXXX, without my consent. This act violates my rights, and I strongly request that the inquiry be removed from my credit report. To address this issue, I kindly request a report that I can mail to XXXX and other credit reporting agencies.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Went to branch locations and was told account would be closed and not reporting late and the account has late reporting.

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 2024-02-25 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Paid, Closed. 
Status updated XX/XX/XXXX Went to branch locations and was told account would be closed and not reporting late and the account has late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barlcays is making it very inconvenient for JetBlue XXXX XXXX holders to downgrade to the regular JetBlue Card. I called this morning to request a downgrade since I'm not fully leveraging the card benefits, and they said I can only downgrade if " an offer is available ''. Also, if you'd like to downgrade from the XXXX card to the no-fee card, you need to close out the XXXX XXXX and submit a new application for a new regular card. 

As you may know this affects the consumer 's credit score twice, because you reduce your available credit, and it also adds a new inquiry to your credit score profile.

Is this practice legal? Do you know anything about this? It feels like they literally force you into having this card or otherwise get your credit score double penalized for not keeping a card which offers so little benefits. 

Please let me know if you have any questions or need any additional information, and I'll get back to you as soon as possible. 

Thanks!

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have a Chase credit card that went delinquent XX/XX/XXXX. The account went Charge off ( XXXX  ) XX/XX/XXXX. Chase reported it XXXX  until XX/XX/XXXX, then reported no data to XXXX until XX/XX/XXXX. This caused XXXX to report " Date of major delinquency reported '' to be XX/XX/XXXX. I have disputed this 2 times with XXXX. They know that because of the incorrect reporting my credit score went down around XX/XX/XXXX. They have stated that they will do nothing because Chase is reporting it as accurate even though they can clearly see inaccurate information. The decrease in my XXXX credit score has caused me to be denied credit. 
A supervisor at XXXX stated that if someone reports any inaccurate information, the company will always take the lenders information as true.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested my personal information to be updated and nothing has changed and I want this off of my report. 

I want the employer to be removed- XXXXXXXX of the month I want that removed off my report. 

I want XX/XX/XXXX put on my report and remove XXXX XXXX XXXX XXXX id not my name never used that name. I want that removed XX/XX/XXXX I want that removed XXXX XXXX XXXX XXXX TX XXXX non mailable address pls remove XXXX XXXX XXXX XXXX XXXX TX XXXX non mailable address pls remove

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 2024-02-25 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
The account was on a modification and should have not been reporting any late payments as the account was scheduled tp resume payments on XX/XX/24 however the home also sold on XX/XX/24 and they are reporting lateness on the month of XXXX as well have not deleted this from my credit report. 

also : In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Would like free copy of my credit report pursuant to my right. 

Attached are copies of my drivers license and social security card. 

My mailing address is XXXX XXXX XXXX, XXXX PA XXXX. 

Please update address on my credit report,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
My account balance is not correct on my bridgecrest account.

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 2024-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: KS

Complaint narrative:
Money orders were sent for the following months XX/XX/XXXX arount {$610.00} XX/XX/XXXX amount {$610.00} XX/XX/XXXX amount {$610.00} XX/XX/XXXX amount {$610.00} Direct debit was sent for the following months : XX/XX/XXXX amount {$610.00} XX/XX/XXXX amount {$610.00} Open court case through the city was open XX/XX/XXXX for unsanitary living conditions. As followed. XXXX in bath tub XXXX running down basement wall. XXXX infestation with no pest control treatment for several months. Had to stay in hotel months XXXX XX/XX/XXXX because of XXXX and drain floes. Kids school offered for family to shower at the school. This problem wasn't fixed until XX/XX/XXXX. Rental lease stated rent to be $ XXXX month until XX/XX/XXXX the property is charging $ XXXXmonth. Payments made have not been posted on property 's resident portal and have been blocked to view.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: OH

Complaint narrative:
in accordance with fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states that consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The accounts that harbor late payments that you are reporting are as follows : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XXXX XXXX

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 2024-02-25 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:
The account was on a modification and should have not been reporting any late payments as the account was scheduled tp resume payments on XX/XX/24 however the home also sold on XX/XX/24 and they are reporting lateness on the month of XXXX as well have not deleted this from my credit report. 

also : In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The account was on a modification and should have not been reporting any late payments as the account was scheduled tp resume payments on XX/XX/year> however the home also sold on XX/XX/year> and they are reporting lateness on the month of XXXX as well have not deleted this from my credit report. 

also : In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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: FL

Complaint narrative:
The account was on a modification and should have not been reporting any late payments as the account was scheduled tp resume payments on XX/XX/24 however the home also sold on XX/XX/24 and they are reporting lateness on the month of XXXX as well have not deleted this from my credit report. 

also : In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX has sent Transunion credit reporting agency information that my account is not closed. My account is open and has 11 months of on-time payments. XXXX XXXX updated Transunion on XX/XX/XXXX, XXXX.. Transunion has not updated my credit report. Therefore, my credit score is in jeopardy and has decreased astronomically.. If Transunion does not update my records soon, I will have no other choice but to file a lawsuit.

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 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had a credit balance on this card before I closed it of {$44.00} and some change. I contacted Citi via chat in XXXX, and was told I would get a check sent to me. After 1 month nothing was sent, so I contacted CITI again via chat end of XXXX. They told me they would resend the check. In XXXX, I still haven't received my refund, so I contacted them again. They said this time they would direct deposit into my bank account. So again, I still have not received this refund. When I contacted them again via chat, they have not been able to 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 monetary relief