vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 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: NJ

Complaint narrative:
See attached. Settlement demand has been sent to the registered agent of Transunion as of XX/XX/2022, it's valid for only 15 days of notice before a civil lawsuit is filed with the Superior Court of New Jersey.

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 2022-10-14 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: FL

Complaint narrative:
I recently received my most recent credit report. 

In accordance with the Fair Credit Reporting Act 15 USC 1681i ( a ) ( 1 ) ( A ), Can you re-investigate the completeness and accurancy of the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX : XXXX DEPTEDXXXX  : XXXX DEPTEDXXXX  : XXXX DEPTEDXXXX  : XXXX DEPTEDXXXX  : XXXX US DEPT ED : XXXX US DEPT ED : XXXX Nelnet : XXXX XXXX : XXXX DPT EDXXXX : 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 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I received a copy of my credit report with the intention to improve my credit and take care of my responsibilities and noticed a few accounts that I want explanation on. I am not saying they are reporting right or wrong. I also read the fair credit reporting act where it says by law, that I have the right to challenge anything I deem to be inaccurate. 
Are you familiar with 15 U.S.C sec. 1681 ( a )? If proof cant be provided for any account they must be removed. I am asking for any erroneous accounts to be deleted, anything not 100 percent correct. I would appreciate a valid response and someone to respond within law and not statute. I was read in a lawyer forum on a credit website that a person has 30 days to complete this investigation. Please examine all account specimens and remove them if anything is missing or incorrect. 
I also read where I can get the updated report after you investigate this from the free lawyer forum. Could you please send it to me? Thank You and also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put in the from field.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Transunion placed an unauthorized security freeze on my credit when I need to have my credit pulled so I can move. They have done this to me twice already. I was an identity theft victim whom they did nothing for until I hired a credit repair company. Transunion sent me a letter suggesting I work with them to fix my credit. I terminated the credit repair company and suddenly I have a freeze on my credit and no changes. 
I sent a letter with a copy of my driver 's license, social security card, bank statement and another copy of my police report dating back a few years ago. I have to move. The house I am renting has mold and I am getting sick. I have already given my deposit to the property I want to move too and application so I can move in two weeks. Today when we went to pull my credit I was told I have to call Transunion. Same thing that happened to me before. This is the second time I have had to submit proof of identity and its unethical. I have been treated as a criminal not a victim.

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 2022-10-14 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: GA

Complaint narrative:
XXXX XXXX  updated my credit report stating that I missed two payments since XX/XX/XXXX. My account has never been late and the account was closed due to it being included in a XXXX  XXXX Bankruptcy Petition. The Petition was filed in XXXX and up until that date, the account was paid on time monthly since its opening in XX/XX/XXXX. The account was included in the bankruptcy and therefore the account status should reflect closed and the missing payments notation needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: VA

Complaint narrative:
On XXXX " XXXX XXXX XXXX XXXX XXXX '' address is XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Sold a car and acquired funding by forging an address to make it seem like I lived with another person in order to get approval from " WestLake Financial '' address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I was later informed that the loan officer for XXXX XXXX XXXX XXXX XXXX was fired for unethical behavior. I have tried to resolve this with WestLake Finical but the minute I informed them it was a fraudulent loan they made the dealership by back the loan and refuses to speak with me to get this resolved.

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 2022-10-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a problem with my Equifax credit score that I do not understand. My FICO score has fluctuated from XXXX in XXXX, to XXXX in XXXX, and in XXXX it dropped to XXXX. This does not seem right. I called Equifax and spoke to a XXXX. He told me that the reason it went down was because the balance on my XXXX  XXXX XXXX credit card, and XXXX card is over 50 % of my credit limit. This would be plausible had I just made the balance transfers in the past few months, but this is not the case. I made the two balance transfers last year, and my credit score has consistently been in the XXXX range, with the exception of XXXX, 2022. This is because a credit card company erroneously reported that I made two late payments, but I contacted them and they corrected the issue by sending the credit reporting agencies correct information. My credit score, then went up to XXXX in XXXX, and XXXX in XXXX, but in XXXX, my score dropped a whopping XXXX points! There is no viable explanation for this. 

After speaking to XXXX at Equifax, I lost confidence that he would be able to help me. He told me there is no time frame when Equifax will recalculate my credit score. In my mind, it told me that I could be waiting indefinitely for the matter to be resolved by Equifax, so I decided it was best to file a dispute with CFPB because at least with CFPB there is a 30 day time frame in which Equifax has to respond. 

The only negative factors that could have contributed to a drop in my credit score points might have been a change of address that I made in XXXX, 2022, and a credit card I applied for in XXXX, 2022. I should mention that my credit score had dropped already before I applied for the credit card in XXXX, 2022 so the credit card I applied for was most likely not a negative factor contributing to the huge drop in my Equifax credit rating. Other than that, I have been paying my bills 100 % of the time. 

My concern is basically that the huge drop in my credit score is what ruined my chance to get a credit line increase for a 0 % promo balance transfer I needed. 

I attached my credit score, and my credit score history so you can see that it has always been on the high level, until the huge erroneous drop of XXXX points in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My mortgage lender has my flood insurance as part of my loan paid through my Escrow Account. They did not pay my flood Policy timely, and when they finally paid it late the issued the payment to the wrong carrier and sent to the wrong address. This has caused my policy to be canceled and the Flood Insurance will not reinstate my Policy. My agent now has to issue a new Policy which has a 30 day waiting period and the cost has increased from {$650.00} to {$1800.00}. They lender will not expedite the payment and they have left me with no insurance coverage on my home. They tell me today they will place a lender forced policy in about 45 days which the letter from them states it only covers the dwelling, it does not cover our personal belongings or cost of temporary living outside should we have damages. I have been without insurance coverage since XX/XX/22 we live in a flood zone, less than XXXX mile from the ocean and XXXX blocks from the inter-coastal. They are telling me that this can not be expedited even through they have admitted fault. They tell me should something happen between now and 45 days to call them and then they will place insurance they REFUSE to provide me with any written documentation. I am very concerned considering we are still in Hurricane Season especially what has just happened with XXXX XXXX to be without proper insurance coverage to protect my home and family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, Equifax or XXXX are neither complying with their own policies in a timely manner. 
I have made several attempts to contact via phone and mail and incorrect information is still being reported on my credit report. I have not received any information validating the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the federal credit 's bureau act, this creditor has violated my rights under 15 USC section 602 states I have the rights to privacy. 15 USC 1681 section 604A section 2, it also states that consumer agency can not furnish my account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and 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 2022-10-14 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:
Improper reporting of creditor 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 2022-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is a legal notice, see attached. Letter has been sent to the registered agent of KOHLS, XXXX as of XX/XX/2022. You have 15 days to respond to the offer of settlement before a lawsuit is filed in the Superior Court of New Jersey.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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:
Improper reporting of creditor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am interested in disputing the inaccuracies on my credit report with Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MA

Complaint narrative:
Called to request refund of loan payment made during covid period. Was told request was submitted. Called one week later, no request seen in system, re-requested the refund, still no updated balance on account portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TX

Complaint narrative:
I have some hard inquiries in both transunion and XXXX that are not mine, both companies refuse to delete them. I have contacted them several times by phone and certified mails and they just ignore 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 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I.C. Systems IncXXXX at XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Reference # XXXX XXXX has been sending me collection notices in the amount of {$720.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2022-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion, XXXX or XXXX are neither complying with their own policies in a timely manner. 
I have made several attempts to contact via phone and mail and incorrect information is still being reported on my credit report. I have not received any information validating the 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 2022-10-14 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: FL

Complaint narrative:
XXXX, XXXX or Experian are neither complying with their own policies in a timely manner. 
I have made several attempts to contact via phone and mail and incorrect information is still being reported on my credit report. I have not received any information validating the 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 2022-10-14 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: NJ

Complaint narrative:
Acct # XXXX improper credit 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 2022-10-14 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: NJ

Complaint narrative:
Acct # XXXX improper credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 I withdrew ( in the form of a cashiers check ) {$290000.00} from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I deposited this cashiers check into my account at Chase bank XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX XXXX The check did not clear despite being a cashiers check, and a hold for XX/XX/XXXX was stated on the receipt, after the funds were deposited. I told the branch manager this was unacceptable given that the check was a cashiers, or bank, and not a personal check and should be considered cash. I left that branch and went to the Chase bank branch in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is where I typically bank. The bank manager submitted a motion to lift the hold on the check although this did not work. I returned the following morning and with one of the bankers we applied to remove the hold. This morning again, on XX/XX/XXXX, I had the banker apply to remove the hold and this was once against declined. Ive spent several hours over the last few days on hold with Chase customer service and no representatives, or supervisors can lift this hold and state I must wait until XX/XX/XXXX until the release of funds. Ive had to cancel a business trip, postpone a transaction, and even lose a transaction as a result of Chase banks actions. They provide no sufficient cause as to why they are holding my cashiers check, especially after XXXX XXXX has verified the funds had left the account XX/XX/XXXX, immediately when the check was printed. Had I gone to another banking institution, this likely wouldnt be such a problem, but it appears this is too typical of an issue while banking with Chase. I regularly encounter issues with Chase/JP Morgan Chase where they hold my money, mind without paying interest, for extended periods of time, disrupting my personal life and business, without just cause. Recently I was in another country and Chase canceled my debit cards for suspected fraud, leaving me thousands of miles from home with no way to even pay for a taxi to my hotel or to even check into my hotel. I had no place to stay for one night and waited in the hotel lobby until Chase customer service was available

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have attached a copy of the account that is reported incorrectly. The Affirm account is reporting late 30 days on XX/XX/XXXX then 90 days late XX/XX/XXXX. This can not be possible! I know my rights as a consumer! I also have disputed this numerous times, but to no avail it has not been changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover has removed the ability for a lot of individuals to use the XXXX feature to send money. A lot of the people affected by this include those who were previous customers and had previous access to the XXXX  feature. The company claims this in for fraud reasons but I have had previous access before and I make payments from that account through XXXX.

Company response to consumer: Closed with explanation