vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have sent the credit agency copies of my FTC report and other information to delete these identity theft accounts from my credit report. They are not doing the correct disputes and not attaching the correct information to them. I am not getting copies of the verification process per the FCRA. 

This are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20 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: CL Holdings LLC
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
a dispute from you on XX/XX/2023 totaling {$10000.00} XXXX said within 10 days I would received a credit. The error is the banks fault. The bank attached XXXX debit cards to my account with an unauthorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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 accounts are note mine I ask the credit bureau to validate the accounts The credit bureau could not validate the charge off I asked the credit bureau to send me a copy of the original contract with my name and signature on contract and they were unsuccessful doing so. Please delete accounts off credit report thanks Accounts : 1.Account XXXX XXXX  XXXX Account number : XXXX 2.Acount XXXX XXXX XXXX Account number : XXXX 15 us code 1681 15 us code 1692 Unfair practices

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 2023-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-20 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 accounts are note mine I ask the credit bureau to validate the accounts The credit bureau could not validate the charge off I asked the credit bureau to send me a copy of the original contract with my name and signature on contract and they were unsuccessful doing so. Please delete accounts off credit report thanks Accounts : XXXX XXXX XXXX  XXXX Account number : XXXX 2.Acount XXXX XXXX XXXX Account number : XXXX 15 us code 1681 15 us code 1692 Unfair practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: SC

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. 

Account Names XXXX XXXX Account # TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account # TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # TransUnion XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX  Account # TransUnion XXXX XXXX XXXX XXXX XXXX Will not show account number XXXX XXXXXXXX Account # TransUnion XXXX XXXX XXXXXXXX  Account # TransUnion XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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. These inaccuracies are preventing me from buying a new car for my work. I am not able to get a new home for my family. I can not get business credit to grow my business so I can provide for my family.

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 2023-09-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
On XX/XX/2023 I paid Stenger & Stenger ( case number XXXX ) in full. I have requested several times ( last call XX/XX/2023 ) that Stenger & Stenger notify the court that this judgement has been satisfied. As of today 's date I have not received a satisfaction of judgement letter from the court. Spoke with XXXX today, she offered to send a XXXX balance letter to me, I declined. I requested a " satisfaction of judgment '' letter be sent to the court asap!! It appears this judgement was filed in XXXX XXXX Georgia and XXXX XXXX Georgia court, I requested the letter be sent to both courts. XXXX said she would file another complaint today to get this take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
As a sole proprietor doing business as my name, I applied to open my Huntington Business Checking account ( ending in XXXX ) on XX/XX/2023 and got approved on XX/XX/2023. The account is good and the bank provides great service. But, my business was not very good so far, so I tried to close my business account. When I called the Huntington Bank, the representative told me the only way is to close in branch. However, I already moved out of state and there is no branch in the state where I am living now. They said they could not do anything but asked me to close it in the branch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-20 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: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
This account and inquiry are not mine they was made without my permission, consent. Inquiry and account XXXXXXXX XXXX XXXXXXXX Account Opened : XX/XX/ is and are fraudulent and according to The Court FCRA this account violated my rights in many ways this account is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 XXXX which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: TN

Complaint narrative:
I called XXXX on XX/XX/2023, regarding account # XXXX due to financial difficulties and was enrolled in their 3-month hardship plan. I clarified that my plan enrollment intent was to preserve my credit standing and avoid adverse credit reporting to the account. The representative assured me that no adverse credit reporting would occur while I enrolled in the plan and made timely payments. Under the hardship plan, my first payment of {$110.00} was due on XX/XX/2023, and the plan duration was XX/XX/2023 - XX/XX/2023. I made my XXXX payment of {$110.00} on XX/XX/2023. I made my XXXX payment of {$110.00} on XX/XX/2023. I made my XXXX payment of {$110.00} on XX/XX/2023, thus fulfilling the terms of the hardship agreement. On XX/XX/2023, I received a XXXX XXXX alert from XXXX indicating that Upgrade reported that my XX/XX/2023 and XX/XX/2023 payments were 30 days late. I called Upgrade, and the representative confirmed there were no indications of late payments. I called Upgrade again on XX/XX/2023, and again was told there were no indications of late payments. In both cases, I asked for a letter or email from Upgrade indicating the reporting error so I could send it to XXXX directly for swift resolution. I was instead told that Upgrade would initiate the process of sending the correction to XXXX, and I would have to wait 45-60 days for the credit correction process. I feel strongly that Upgrade should provide me, the consumer, with some written communication on Upgrade letterhead stating my credit history was incorrectly reported to the credit bureaus so that I have recourse to resolve the credit reporting issue. I am not confident that Upgrade will work as diligently to resolve this issue as I would. I also bear the consequences of my credit score dropping because of something that was not my fault. The Fair Credit Reporting Act ( FCRA ) states that credit reporting companies and furnishers have obligations to ensure that credit reports are accurate. Based on Upgrade 's own records and the supporting documentation provided, it is clear that Upgrade provided erroneous information, which has negatively impacted my credit rating. The FCRA also states that there are legal remedies that I could pursue including actual or statutory damages, which, at this point, I am not interested in. I want Upgrade to update my correct payment history to XXXX in an expedited manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20 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: IL

Complaint narrative:
Please update my credit report and promptly remove the public record that is currently present. I have attached the necessary supporting documents for your reference. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
During the COVID-19 Pandemic I was under economic hardship and had to close my credit cards with JP Morgan XXXX I was behind on a few payments and entered into a debt consolidation program with them. This began on/around XX/XX/XXXX and make a monthly fixed payment to pay down XXXX independent accounts. My payments have always been on time and will continue until all balances are paid in full. 

In XXXX of XXXX I was notified of a +-100 point drop in my credit score and was very concerned. After much investigation ( and phone calls ) I was informed by JPM they changed internal systems on how they report to credit agencies and this was likely the cause of my score lowered at XXXX. My JPM accounts ( while in current repayment and good standing ) were being reported to agencies as a 'closed'/'default'/'etc '. 

How can my accounts be listed in reports to reporting agencies in default when I am in current repayment? How is this coming up after 2 years of a consolidation program with my provider? How did a system change error result in my credit score cratering by almost 100 points when I am in good standing with JP Morgan. - no one at JPM or XXXX could answer my questions. 

I feel there has been little accountability by either party here and imagine this impacts a broad community of folks that were economically impacted by the Pandemic - but wanted to be current in the debt repayments. 

There must be 1000s of people like me out there that have been negatively impacted by this problem at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2023-09-20 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-09-20 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have received Amex gift card, I start using it online and in store sometimes it works sometimes is not, so later it stop working in any stores or online purchases I ask the company for help but they just told me that everything is fine with my card and I can use anywhere besides XXXX. But it actually not works even if I have a balance over XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo mortgage co. Is stating I owe {$24000.00} for nonpayment of mortgage payments in XXXX. They state I was put on a deferment at that time. The documentation that they sent me does not show I missed that amount of payments during that time. I never requested or signed any deferment papers with Wells Fargo in XXXX. I was never sent any annual emails or letters stating that. When I applied for a deferment in XXXX I finally received a letter in XXXX hat stated I had made XXXX deferments. One in XXXX For {$24000.00} and than one in XXXX. I did make the deferment in XXXX but not in XXXX. The bank has been lax in sending the documents proving I had a deferment on my mortgage for XXXX. I need documentation from Welks Fargo and the credit bureaus for XXXX that shows the mortgage delinquencies

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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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