vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-06-13 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: TX

Complaint narrative:
Hello, On XX/XX/2023 Transunion reported that my account with XXXX was 30 days late and as a result it has tanked my credit score considerably and some other creditors are now lowering or closing my other credit account. This is also messing with my utilization. 

I have disputed this information with Transunion ( which has now spread to the other bureaus XXXX and XXXX ) 6 different times and even confirmed with XXXX and provided documents to Transunion from XXXX and letters that both My husband ( who is a joint owner on the XXXX account ) and I have written and submitted. 

Even after XXXX has confirmed and stated they have no late payments in their system and not sure why Transunion has reported this it is still incorrect and my credit score has not been updated to reflect this correction which is effecting my ability to make any large purchase at this time. 

It seems Transunion is the credit bureau that is mostly inaccurate and doesn't correct errors promptly. 

Below are all of the disputes I have submitted with Transunion and adding another one today : Date Submitted Date Completed XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023

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 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had XXXX charges made on my account back to back XXXX charging me XXXX dollars and the secound XXXX dollars i disputed this with Chime and they refunded me my money while doing their investigation and then took it back with no reasoning. i recently called them again to see what happened and still they have not contacted me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bought a XXXX XXXX  on line for {$220.00}. The watch they send me is fake and not working, just a toy. I sent them a notice to refund my money on XX/XX/XXXX XXXX. Requested them to send me the refund authorization, They refused and offered me a partial refund of 10 %. I refused and requested to refund me the full amount. 
Then I contacted my Credit Card co and dispute the charges. Credit card co they gave me the credit. 
Later on they debited my account telling me that I have missed the opportunity to respond their inquiry in a timely manner. 
I requested them that for one month I was in XXXX and had not received their inquiry. 
I have provide all correspondence and proof of purchase with the supplier. 
Credit card co should help me to provide refund not the Fraud co and encouraging them to continue doing fraud. 
Supplier Co : XXXX Credit Card : Capital One, Account No : XXXX XXXX Case Ref : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: UT

Complaint narrative:
Please REMOVE to my credit report the FRAUD ALERT I did not authorize anyone to add it to my report, kindly remove it ASAP.

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 2023-06-13 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Please REMOVE to my credit report the FRAUD ALERT I did not authorize anyone to add it to my report, kindly remove it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: TN

Complaint narrative:
I sent SEVERAL letters to EXPERIAN starting from the months of XX/XX/23, XX/XX/23, and XX/XX/23 disputing said account XXXX XXXX to be removed from my account. However each dispute comes back as " REMAINS '' but according to Usc 1581a section ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they investigate besides the CREDITOR?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX XXXX. I am writing today to resolve an issue that has caused damage to me financially and reputation wise. EXPERIAN claims to have verified an account named XXXX XXXX XXXX is accurately reporting to my consumer report as of XX/XX/XXXX. This is impossible because the account STILL has a date last active of XX/XX/XXXX reporting on EXPERIAN and a date last active of XXXX  reporting on XXXX. My consumer report is my life and EXPERIAN has been purposely damaging me and it has to stop immediately. I have provided proof in the attached screen shots of Experians willful noncompliance which is a violation of the FCRA. I am prepared to file a civil lawsuit to rectify this matter if need be and have already filed the necessary paper work in with the federal court in the state which I reside.

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 2023-06-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX customer service doesn't have access to my account nor does anyone on the backend. The account closed in XXXX and I paid off the balance XX/XX/XXXX in a one time payment for the account to be removed from my credit reports. XXXX has been reporting my account 8 late payments 120days and everything else up to XXXX as a charge off. 
I have also requested my data multiple times over there years and no answer. just today I've spoke with over 35 reps from all departments and no on has access to it. This account should reflect its removal from all my reports. I have disputed every month with the bureaus, XXXX XXXX  and XXXX and still it has not been updated. Now when I am in between homes and explained the emergency I was in.

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 2023-06-13 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: FL

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank has released a new 124 page Digital Services Agreement. On XXXX, while trying to access my current credit card balance on Chase 's website, Chase notified me of the new agreement and also notified me that I am required to read and agree with said agreement before I can access any details about my account on their website, including my financial statements of credit card balance which are only available on their website. I contend that review of a document of this type and size should reasonably take 30 days, and should include opportunities for questions and requested revisions. On XXXX I requested on 3 separate occasions access to my account details without accepting or denying said agreement, but Chase unilaterally denied access to my account details. I also submitted feedback on XXXX to Chase via their " Contact Us '' system but did not receive any acknowledgement of my concern or any indication that they would address my concern within a reasonable time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: MO

Complaint narrative:
I had a total loss on my vechicle and my insurance paid the XXXX XXXX  value and I have gap which paid the difference ins paid {$21000.00}, gap paid {$780000.00} and waiting for extended warranty to pay {$420.00} they are still charging interest and they charge me late fees on a vechicle I no longer have and the total amount I paid was {$31000.00} that was left on the vechicle minus those fees from that amount. They say I still owe {$2100.00} I feel they shouldnt charge me anything else because the car is not worth that amount any more I in a hardship because of my total loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX, and I can't even sleep properly because of this problem.

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 2023-06-13 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I have a mortgage that was taken out in XX/XX/XXXX ( an 80/20 loan ), due to the issue of the housing, I stopped making the payment. In XXXX, I filled for bankruptcy and the loan for both mortgages were discharged. I understand now that it didn't remove the lien against this house and it is still part of my home. I have been in contact with the lender and requested a payoff statement ( which one has been received, 2nd Mortgage ) however they will not provide one to me as my file was purged and they will not provide me with a release. I am trying to sell my property and this has been holding up the sale. My escrow company has tried to get them to provide what we need and they have been giving me the run around as to what my next step is from them with no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: CA

Complaint narrative:
I reached out to each of the XXXX credit bureaus by mail to investigate two XXXX accounts on my credit report. The account numbers are XXXX and XXXX. Each of the bureaus stated that they updated or modified the accounts. In particular, I wanted the bureaus to verify the account the history where I observed the discrepancies. As a result, after their investigations, the credit bureaus continued to illustrated different information that is not 100 % accurate. 

For instance, the XXXX account ending in XXXX is reporting 180 days late on XX/XX/XXXX in my XXXX report but is reporting 120 days late for XXXX and TransUnion for the same month, XX/XX/XXXX. 

Similarly, the XXXX account ending in XXXX is reporting 180 days late on XX/XX/XXXX in my XXXX report but is reporting 120 days late for XXXX and TransUnion for the same month, XX/XX/XXXX. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. ''

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 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have complained for 2 years to stop mailing me promos. 

I even went online and changed my setting to stop!!! 

But bank of america does not care so now i have to complain to you PLEASE GET BANK OF AMERICA TO STOP MAILING ME!! 

I only want mail that i am legally required to get via mail

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 2023-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
On XX/XX/2023, XXXX ( manager of XXXX, TX branch ) came to my home/PLACE OF BUSINESS ( on the loan records my income is listed as sole proprietor income with the address listed, she visited on file ). Her visit was not only DANGEROUS FOR HER especially with her bad and aggressive attitude but unwarranted, embarrassing for my business, and ILLEGAL. She was asked to leave, numerous times, as I was not there and out with a client, and she kept discussing my account via my ring camera in the public where I conduct business ( video can be sent if necessary ). Then left a notice on my door that was ALREADY mailed to me. 

After speaking with me numerous times via phone from their company lines and personal ( I assume ) numbers ( phone log can provided ), she showed up to my place of business unwarranted and looking for a fight ( she was aggressive, again I have the ring footage ) attempting to collect a debt, that she/Towerloan has been in full contact with me about since BEFORE my first missed payment as I contacted them to make arrangements/notify them of my situation. Since my initial contact to notify them of my situation, Towerloan has contacted me literally 2 to 3 times a week for the past month, the phone harassment got so bad I asked them to stop contacting me and notified them AGAIN I would pay when settlement is received, and I would no longer be answering calls due to their consistent harassing phones calls. Her visiting my place of business is pure harassment ( on camera she stated she was there because I told them to stop calling harassing me ) and intimidation, especially saying they have been in consistent contact with me! I reached out to them BEFORE the account went into late status, the harassment is unnecessary and again ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: GA

Complaint narrative:
I received an email from the Dept. of Education on XX/XX/XXXX that my student loans were being discharges. In the email I was told that there was nothing I needed to do that the loans would eventually be removed from my credit report. Here it is now XX/XX/XXXX and that has yet to happen. I have called my servicer multiple times and get no where. They transfer me from person person, leave me on hold and it seems that no one cares to look into why the loans are still being reported. I do have a copy of the email and even received a refund check in the mail from dept. of edu.

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