vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
experian needs to get this correct, this account is reporting illegal info, it reports a increase in balance of XXXX dollar, then it reports decrease XXXX dollar, then it reports closed, its making my score go up and down, its again the surpreme courts rule, im filing a complaint with this illegal info your letting destoy my life, im going to sue in court agai

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Receive XXXX separate offers incentivizing applying for a XXXX Chase credit card with a promotional balance transfer offer of XXXX XXXX into XXXX for XXXX  months. Based upon that information, I applied and obtained a XXXX Chase credit card. However, upon attempting to transfer a balance, Chase advised that the offer was no longer available but gave no reason as to why. See Attached. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Remove the fraudulent account ( XXXXXXXX XXXX XXXXXXXX ) from my credit report immediately. Your non-compliance puts me at risk and violates the law. Comply now or face legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: CO

Complaint narrative:
I called Penn Credit in XXXX about 2 accounts that they are trying to collect against me. They told me the address of that these 2 utility accounts were for. The address they gave me was the same NJ address as a XXXX account that was opened with my SSN. I have since resolved the XXXX  issue and just need to get rid of these collections. The gentleman on the phone said he needed to mail me a " fraud packet. '' I have received more than one letter from Penn Credit for the collections but have never received the fraud packet in the mail. It's unacceptable that Penn Credit has not provided what they promised in a reasonable time. I was told on XX/XX/XXXX  that they would mail me the packet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ensuring punctual payments, I have never experienced delays on this account. I'm unsure why there are indications of late payment remarks on my 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 2024-02-09 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: IL

Complaint narrative:
Ensuring punctual payments, I have never experienced delays on this account. I'm unsure why there are indications of late payment remarks on my 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 non-monetary relief
Consumer complaint received 2024-02-09 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: CA

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 Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: DMB Financial, LLC
State: MT

Complaint narrative:
I did a debt relief program on XX/XX/2018. when contacting them with all my credit card debt, they created the program to Follow with how much each month I would have to pay and I agreed to it and they sent me the paperwork. After Receiving the paperwork, it had all the credit cards that we talked about. I asked them if I could just keep a couple cards off it and just do the rest. I was told yes that was no problem. She asked if i wanted a new program because i could pay less with new paperwork. she said if I kept paying the same amount, i could pay it off faster so i agreed to the same payment amount 2 credit cards with around XXXX debt that i wouldn't have to pay to them. They did remove both those cards from what i had to pay. 
I started my monthly payments and followed their program I was never late with any payments. They would call with a settlement and asked if i approved it. Of course i did because it was their program. They constantly gave me knew people to handle my account. One of them told me they were quitting because they couldn't stay for what they were doing to the consumers. I didn't know what that meant until the end. Even though I removed XXXX of credit card debt to pay myself, they called to say they needed to add more money to finish paying it off so i agreed and bumped it up another XXXX kept making my payments on time. then later they asked again for the second time to add more money to pay off the debt. Now I was wondering what kind of scam are they pulling because i removed XXXX dollars of debt from their program but agreed for another XXXX then i got a new person to work on my account. they said she got promoted to management. then they asked for another XXXX to pay off the lowes card. The lowes card only had a XXXX dollars to pay off. I refused to make this 3rd payment because they were already way over what they promised and finished the program. they soon removed the lowes credit card from my account and i paid everything listed on my account. 

This year I have a XXXX credit card that was in their program added to my credit report. I now have a debt collector wanting to go to court about it. So I talked to a lawyer and he recommended me to go this way first. Then if it does go into court, he will take it on and bring in DMB Financial to recieve all their documentation and communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am making a complaint on XXXX XXXX XXXX because there is a XXXX  XXXX bankruptcy reporting on my credit reporting file with XXXX XXXX XXXX, I have disputing this item with XXXX several times, and I have provided documents supporting my claim to XXXX, also there is a letter from the courts and a letter from XXXX to XXXX advising them to have the information removed off, XXXX uses XXXX to get there 3rd party information, XXXX is on XXXX 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 2024-02-09 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Unauthorized withdrawals or charges — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
Hi I'm almost XXXX XXXX and on XX/XX/XXXX I was issued a refund for the amount of {$4.00}, XXXX for my student loan from school of which was a federal loan upon receiving the money and my Chime account I had called XXXX because the money was not being shown in my balance and once I got finished talking to a person who stated they work for a customer service rep stole all my funds and sent it to XXXX people that I have no recognition of who he sent these transactions to they are not affiliated with me in any kind of way he had added them on my some kind of way to my child account and then he sent these people money for my chime account. I called Chime once again hoping that I had got in contact with the right person and told Chime what happened with my account that upon speaking to a representative my money was stolen for me and XXXX said they are disputing the situation but I will have to wait until XX/XX/XXXX for them to make up a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate accounts in my file. 
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 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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

has violated my rights. Or list of inquiries 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am not Liable for this debt of {$890.00} with TRANSWORLD SYSTEMS INC account number XXXX I do not have a contract with TRANSWORLD SYSTEMS INC. They did not provide me with the original contract as I requested with my wet signature and ID verification. 
15 U.S.C 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: MA

Complaint narrative:
XX/XX/2024 : I signed up for myEquifax to check/manage my Equifax report as well as dispute/correct any incorrect information. I noticed I could only see my credit score but not my credit report. 

XX/XX/2024 : I tried to pull my report from XXXX and was unable to. ( It sent a code to my number but then gave me an error. I knew it was a technical issue because even my creditors couldn't pull my Equifax report whenever I tried to apply for something I would get instantly denied. ( Due to a technical error pulling my Equifax report ). I called Equifax 's XXXX XXXX team and they told me they have escalated my case to the technical department and I should expect a reply between XXXX XXXX. 

XX/XX/2024 : I call again since I haven't received any update. They tell me to wait and they escalated another case. 

( I have done this a few times so I will skip to a XXXX  later ) XX/XX/2024 : A XXXX  later still facing the same problem and found out that the technical department hasn't even looked at my first case, all the cases were still pending with no update. 

This issue has caused me to get denied for multiple applications purely due to a technical issue that I have no control over. There is no excuse for a credit bureau to be this incompetent when dealing with consumer cases, especially when it has major repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: LA

Complaint narrative:
XXXX cc bank flag my account with a collection agency don't know where this debt came from

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Credit Bureau is reporting XXXX negative accounts that do not belong to me this has been long reviewed as I was a victim of XXXX data breaches and identity theft and XXXX  card usage. I have sent all the necessary items for removal and they have now added the accounts bac again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: CA

Complaint narrative:
XXXX Credit Bureau is reporting XXXX negative accounts that do not belong to me this has been long reviewed as I was a victim of XXXX data breaches and identity theft and XXXX  card usage. I have sent all the necessary items for removal and they have now added the accounts bac again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: MD

Complaint narrative:
I am writing to submit a complaint the following information XXXX XXXX supplied to XXXX, Transunion and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to XXXX accounts ( XXXX opened XX/XX/XXXX ). 

During XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to your company to request hardship payment options, I agreed to do a covid forbearance with your company. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and XXXX XXXX. 

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( XXXXU.S.C. XXXX ( a ) ( XXXX ) ( F ). ) This has been an ongoing concern. I have also reached out to XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately XXXX XXXX history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to submit a complaint the following information XXXX XXXX supplied to XXXX, XXXX and Equifax credit bureaus ; whose report has incorrect information that has not been updated in reference to XXXX accounts ( XXXX opened XX/XX/XXXX ). 

During XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a XXXX  XXXX  and a XXXX  of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to your company to request XXXX  payment options, I agreed to do a covid forbearance with your company. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( XXXXU.S.C. XXXX ( a ) ( XXXX ) ( F ). ) This has been an ongoing concern. I have also reached out to XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately XXXX XXXX history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.

Company response to consumer: Closed with non-monetary relief