vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 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: FL

Complaint narrative:
On XX/XX/XXXX, I contacted the company to request an account update. The representative provided information regarding XX/XX/XXXX, even though I specifically requested details for XX/XX/XXXX. Despite my repeated inquiries, I was consistently informed that the information provided was accurate. I want to emphasize that I made all my payments on time for XX/XX/XXXX. 

Additionally, I submitted documentation through the portal, as per their instructions, but the representatives refused to review my documents during phone conversations. They claimed to have received only one document, which, according to them, was unrelated to the dispute. However, I possess a certified receipt confirming the submission of both my bank statement and a copy of the payment history from XXXX XXXX to TransUnion. 

I also uploaded these documents through the Consumer Financial Protection Bureau ( CFPB ) portal, but I have been informed that TransUnion has no record of this documentation. The results I received from TransUnion did not reflect the necessary updates for XX/XX/XXXX. 

Given this situation, I am left with no choice but to consult with an attorney and consider taking legal action against TransUnion. This is imperative because I am currently in the process of purchasing a home and require accurate information to be reflected on my credit report. I would like to reiterate that XXXX and XXXX have already updated my payment history to reflect a 100 % accuracy rate, but TransUnion has thus far refused to do the same.

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 2023-10-27 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: TX

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from 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 explanation
Consumer complaint received 2023-10-27 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: MO

Complaint narrative:
Once again closing this with no fix can't fix my account but pushing hundreds of worthless credit cards

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 2023-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. See below : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. See below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: TX

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Fig Tech Inc.
State: TX

Complaint narrative:
Per the Company 's website, you need to have deposits of at least {$1400.00} a month, but on my account, my deposits from working were only {$1200.00} ( my income had recently dropped dramatically, and I didn't realize it due to medical issues ), and the other deposits were another payday loan and money I borrowed from family. They also state that you should have a positive account balance my account was negative $ XXXX, and last but not least, an excessive amount of overdraft fees XXXX in XXXX, XXXX in XXXX, and XXXX in XXXX. I've been dealing with a lot of health issues, and my new medications at that point made it easy to miss things that I normally would catch on to but this is why its also up to the lender I certainly couldn't afford the loan then or now and they knew it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: CT

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-10-27 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:
XXXX XXXX XXXX  XXXX ACCOUNT XXXX XXXX DATE OPENED : XX/XX/XXXX. This account has been written off/ charged off therefore i request that it be removed from my credit report immediately, i am no longer responsible for it. It has been written off on XXXX of XXXX  in the amount of {$2700.00}. And i also have not received my 1099-C letter from this company.

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 2023-10-27 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:
XXXX XXXX XXXX  XXXX ACCOUNT XXXX XXXX DATE OPENED : XX/XX/XXXX. This account has been written off/ charged off therefore i request that it be removed from my credit report immediately, i am no longer responsible for it. It has been written off on XXXX of XXXX  in the amount of {$2700.00}. And i also have not received my 1099-C letter from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 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:
XXXX XXXX XXXX  XXXX ACCOUNT XXXX XXXX DATE OPENED : XX/XX/XXXX. This account has been written off/ charged off therefore i request that it be removed from my credit report immediately, i am no longer responsible for it. It has been written off on XXXX of XXXX   in the amount of {$2700.00}. And i also have not received my 1099-C letter from this company.

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 2023-10-27 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: CBC Companies, Inc.
State: DE

Complaint narrative:
per 15 U.S.C Subsection 1611 Truth In Lending Act Requires creditors who deal with customers to make certain written disclosures concerning finance charges and related aspects of credit transactions ( including disclosing an annual percentage rate ) and comply with other mandates, and require advertisements to include certain disclosures. The Act had been amended on numerous occasions, adding requirements for credit cards and open-end credit ; for mortgage credit such as ability to repay standards, appraisal independence, and mortgage servicing ; and others. A number of laws amending and enforced under this Act are listed separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: CA

Complaint narrative:
This companies listed accessed my credit information. 
I have never applied anything from this companies. 

BARCLAYS BANK DELAWARE 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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank Business Checking Account Offer : I saw a banking offer for {$750.00} when depositing {$15000.00} and keeping the funds in the account for 60 days. I wasn't sure about the details, so before I've opened the account, I've called the bank and ask if the representative can look at my other account to see if I would qualify for this offer. I've had a relationship with US Bank with other credit cards for about 5 years. The representative looked at my accounts and confirmed that I would qualify for this promotional offer. 

I've opened this business checking account on XX/XX/23. 
After I've made the {$15000.00} on XX/XX/23 I've called again to verify that my account is set to receive the promotional offer in which the representative confirmed that my account would receive the {$750.00} bonus offer after 60 days. 

I have been informed that all calls are recorded when speaking with a US bank representative. And the manager can access these calls to verify the information spoken over the phone with the representative. 

After the 60 days were past, I've called in to see when they would deposit the promotional offer, and they've told me that I would not qualify. 

My complaint is that I've spoken with 2 representatives at the bank and they both told me that I would qualify for this promotional offer. I honestly was not sure if my account would qualify, so I've called to get this verification. Now they are refusing me of the offer after 60 days. Not 1 representative but 2 representative had informed me that I would qualify for this promotion. 

I kindly ask that you would please help me with this issue. 

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 explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
All addresses need removed. Except 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 explanation
Consumer complaint received 2023-10-27 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: LA

Complaint narrative:
Child support is not a credit transaction. Therefore it is illegally RE-AGED and furnished. XXXX memo

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
Loan servers, now Shellpoint and their predecessors could not release a mortgage note stamped paid in full. When I had the resources to pay them off in full, they could not release the mortgage because they claim there was a title issue. 
Instead, the loan servicers sold servicing rights multiple times, knowing or shouldve known there was a problem with the title. 

Instead of correcting the title issue in XXXX, so the note and mortgage could be paid off in full in XXXX, loan servicers, now Shellpoint, sell the servicing rights and create fraudulent documents, including assignments to different bank trusts mortgage- backed securities. 

Shellpoint claims they have all servicing and previous servicing records. 

I am asking through the consumer financial protection bureau and asking Shellpoint Why didnt I receive a welcome letter when the servicing rights were sold to new residential mortgage XX/XX/XXXX? 
XXXX years later we receive an email. 
Please see email dated XX/XX/XXXX. 

What is XXXX relationship with new residential mortgage mortgage?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: SC

Complaint narrative:
FTC REPORT NUMBER XXXX These are not mines I was a Victim of Identity Thief. This is wrong on my credit report, I want these removed in XXXX days. 

I DEMAND PROOF OF VERIFICATION WITHIN XXXX DAYS, IF NOT? YOU WILL BE VIOLATING MY CONSUMER RIGHTS!! 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 




( These is the follow law that been broken during this span ) 15 U.S. Code 1681a-Definitions ; rules of construction | U.S. Code | US Law | Lil/Legal Information Institute 15 U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( 1 ) - EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: PA

Complaint narrative:
I paid for a flight on XXXX XXXX, business class for me and my wife on XXXX. The return flight, our seats that were supposed to recline flat for rest on a XXXX hour flight, and the tv monitor with movies, did not work for me and my wife. The airline would not give us a partial refund from a very expensive flight ( {$3200.00} each for that segment from XXXX to XXXX ). I asked chase sapphire to intervene, claiming that the advertised perks of Business class were not provided to us. I asked for 10 % of the flight to be returned, which I believed to be very reasonable. The dispute was rejected, stating that the credit card company delivered the service by transporting us. 
My dispute is that I could have been transported in the baggage compartment and according to the cc company, that would constitute satisfaction of the terms under which I paid. The service I and my wife received was clearly not as advertised by the airline, and Chase should have worked this out for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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:
XXXX XXXXXXXX XXXX XXXX XXXX # XXXX DATE OPENED : XX/XX/XXXX This account has been written off/ charged off therefore i request that it be removed from my credit report immediately, i am no longer responsible for it. It has been written off on XXXX of XXXX in the amount of {$3000.00}. And i also have not received my XXXX letter from this company.

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 2023-10-27 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: FL

Complaint narrative:
AS MUCH AS I ENJOY BEING A XXXX XXXX XXXX XXXX CUSTOMER ON THE BANKING SIDE. 

BEING A CREDIT CUSTOMER HAS NOT BEEN SO GREAT. THEIR REPORTING IS VERY GLITCHY ALONG WITH THEIR NOTICES. 

I PAID OFF A CREDIT ACCOUNT AND FOR SOME ODD REASO THE XXXX XXXX REPORTED THE ACCOUNT AS CLOSED WITH A BALANCE, THEY HAVE FAILED TO REPORT THE XXXX USAGE STATUS TO THE BUREAUS FOR A WHILE AND ONCE THE ACCOUNT WAS REDUCED TO XXXX. 

AS OF TODAY THE BALANCE HAS SHOWED UP AGAIN AS UNPAID FOR {$980.00} WHICH AGAIN DAMAGES MY SCORES WHICH THIS ACCOUNT HAS BEEN AFFECTING FOR SEVERAL MONTHS. THEIR OWN REPORTING REDUCED MY SCORE AND MADE ME NO LONGER ELIGIBLE FOR THE ACCOUNT WHICH THEY CLOSED BUT I PAID IT OFF PRIOR TO THE STATEMENT CLOSE AND REPORTING DATE AND THIS COMPANY DID NOT REPORT THAT. 

THEY KEEP THROWING THE DELINQUENT BALANCE AND INCREASED USAGE ON MY CREDIT WHICH IS GREATLY AFFECTING MY SCORE DURING A TIME WHEN I AM APPLYING FOR A LOAN AND UNDERGOING UNDERWRITING.

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 2023-10-27 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: FL

Complaint narrative:
i started receive letters from companies i didn't recognize, so i requested credit report and i saw, that they reporting XXXX accounts which i never had, i believe, that someone using my personal information and applying for credit cards. i have never sign any agreement with these creditors. I don't understand why do i have to be responsible for these debts.

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 2023-10-27 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: OK

Complaint narrative:
I got a copy of my credit report and was shocked to see what was on my credit report. N accordance with the FCRA the Department of EducationXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written consent

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