vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 : XXXX XXXX  # : XXXX ; Account : Department of EducationXXXX # XXXX ; Account : US Dept of EDXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 2023-04-21 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 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 : XXXX XXXX  # : XXXX ; Account : Department of EducationXXXX # XXXX ; Account : US Dept of EDXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 explanation
Consumer complaint received 2023-04-21 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: Synovus Bank
State: MI

Complaint narrative:
I was in a car accident and I was hospitalized for several days and when I returned home I saw that my wallet and credit cards had been stolen and used. I filed a police report with the local police and I called the credit card companies and First Digital responed that I am responsible for the charges even though I reported the unauthorized use and proved that I was not in possession of the cards at the time. I called and spoke to a very rude associate to appeal the decision and he advised me that the appeal results would be the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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 am writing to dispute an illegal collection that has been reported on my TransUnion credit report. The collection is for a debt that I am not responsible for, as it was incurred due to a work-related injury covered by workers ' compensation in Texas. 
According to Texas Department of Insurance, Division of Workers Compensation, providers/collectors are required to send bills related to workers ' compensation claims to the carrier. However, the collector in question has disregarded this requirement and reported the collection on my credit report. 
This action constitutes a violation of my rights and is illegal. 
The continued listing of this collection despite previous investigation suggests that Their procedures have not been adequate in this case. I have attached copies of the relevant documentation, including the workers ' compensation claim and the insurance carrier info, to support 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 non-monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX my car was repossessed. Bank Of The West stated I was behind 3 months, but that was not the case I agree I was behind but I always make sure it was not 3 months. I got sick with XXXX  and started falling behind on bills but this in particular I new I I could only if you have more than three months so and XXXX are you, XXXX I cant find it. What are the stats on XXXX of XXXX I send two payments of {$560.00} an accident when I noticed that I called the bank because it to my financial situation I couldnt make those two payments so I told them I need one return if that was possible they said yes it was possible they will send me {$560.00} back to my account. Around XXXX, I called again because they never sent me anything to my bank nor did I received a check on the mail they told me the check was mail for me to wait about 2 weeks and call them back if anything was received again. So I waited and at this time I keep making payment and was still behind 2 payments. Around XXXX since XXXX didnt received the check I told them to just apply that money to my balance and they said they would but never did. In XXXX I email the bank and told them again to apply it to current balance but they never did. When the repossessed my car I call the bank immediately to see why they had done that and the guy who answer the phone told me it was a mistake that I was not behind 3 payments that a payment of XXXX was never apply to my loan for me to call another department and he provided me with the number. When I called over-there I explain the guys and he said the bank had the right to repossessed the car after one missing payment I told him that was not in the contract and the said he didnt know what contract I was talking by about for me to wait a few days and then call back. When I call back in about a week they told me in order for Me to get the car back I needed to pay {$3800.00} at front and I could go pick up the car but didnt had the money for that at the moment. About a month later I got a letter stated they had sold the car for {$19000.00} and that there was a balance reminding of $ XXXX since the mount left on the loan was XXXX for me to start making payments on that or they would sent me go collections. I feel the bank didnt respect the contract and I understand I was behind on payments but they should of fixed their system and apply the {$560.00} they had somewhere and I never received. At least I should be charged for the reminder amount since they never took the time to review my account in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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:
I was never late on the accounts listed below, I have asked for documentation showing proof of transactions showing I was ever late to support their inaccurate reporting on my accounts the failed to show proof but sent me a letter stating they were not going to delete or block the inaccurate information from my credit report. If they can not supply proof, they are to delete the alleged late payments. I am promised accuracy on my report based on federal law. Under 15 USC 1681 all unverified information must be promptly removed. Due to their current coding system error, they can not verify this information and validate it as being accurate. I am one of the many consumers that has been affected by this error. 

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 2023-04-21 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: TX

Complaint narrative:
I was never late on the accounts listed below, I have asked for documentation showing proof of transactions showing I was ever late to support their inaccurate reporting on my accounts the failed to show proof but sent me a letter stating they were not going to delete or block the inaccurate information from my credit report. If they can not supply proof, they are to delete the alleged late payments. I am promised accuracy on my report based on federal law. Under 15 USC 1681 all unverified information must be promptly removed. Due to their current coding system error, they can not verify this information and validate it as being accurate. I am one of the many consumers that has been affected by this error. 

XXXX XXXX XXXX, XXXXXXXX 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 2023-04-21 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: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit cards are not reporting to my Equifax credit report. It shows on my XXXX and XXXX but Equifax shows my lower score with out of date information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: IN

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-21 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi Sirs, Have a problem with Capitol One card. I had it almost two years with payments paid after being posted.. I provided a document with my complaint. I asked Capitol One to increase my limit. they keep on insisting i charged low. However, I charged about XXXX XXXX on the card last month, then i paid it off in full. After that i asked again for an increase. they decline it. This is the problem i have with them. I have to go into dept to get an increase, so they can go after me. I talk it over with others and we both determined it is a scam.I dont like dealing with scammers, It is something how these companies are gettin away with stuff. if nobody deals with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Started a claim on XX/XX/2022 with XXXX, a travel insurance company contracted through my credit card Chase Sapphire. Our trip was cut short due to the death of my mother in law. We are trying to make claims on costs owed back to us from unused portions of our trip. After being requested to send document after document after document, they will keep coming up with new documents to suddenly " need ''. They are obviously playing the long game to tire us out, because it's been half a year now and they still dont have enough documents after being sent 19 documents, everything covering from flight, hotel, hotel receipt with breakdown of unused portions, proof of death, proof of receiving no credit back from flight or hotel, they still want more. This is a never ending scam and i am demanding the money owed to me be paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 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: IN

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: IN

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-04-21 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: IL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2023-04-21 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: IL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I have a Countrywide Mortgage that originated in XXXX. 

Bank of America services the mortgage for XXXX XXXX XXXX XXXX XXXX ( as of XXXX ). 

On XX/XX/XXXX I received the attached response from Bank of America which was also sent to The Consumer Financial Protection Bureau responding to my complaint in case number : XXXX. 

The fifth paragraph of the letter from XXXX XXXX XXXX, Resolution XXXX, Regulatory Complaints states : " During a telephone conversation on XX/XX/XXXX, I discussed that in order to be approved for a payment deferral, your loan must be no more than 18 months past due. At the time of the call the loan was paid through the XX/XX/XXXX installment and didn't qualify as it exceeded the deferral program requirements. 

In XXXX of XXXX I made four full payments of {$4600.00} to bring the payments down to 17 months past due and in the beginning of XXXX I made an additional full payment of {$4600.00} to keep the payments at XXXX past due. 

The customer service representatives I spoke told me me that I would be approved for a deferral of the 17 months of payments that were allowed to be put into forbearance during the Covid-19 period and that they would be tacked onto the back of the mortgage as a balloon payment. 

I relied on those statements and statements of XXXX XXXX XXXX when I made the four payments. 

If a Bank of America employee from the Regulatory Complaints Department makes a statement in a letter responding to a complaint the consumer has filed with the Consumer Financial Protection Bureau and the consumer relies on that statement and then Bank of America should honor those statements. 

As of today 's date, Bank of America has has not deferred the 17 months of Covid-19 forbearance.

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 2023-04-21 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: WI

Complaint narrative:
Vanilla Gift Card, was not able to be used. Have tried to contact card holder using XXXX # on back, automated loops me around then sends me to customer service on hold with repeated recording for XXXX min first ( XXXX ) try, XXXX minutes other try ( XXXX ) tried another number on website, same process, same problem. No one picks up. Tried to look up information on line, states error try again later, attempted this method six times. 

I used internet to try to track the issuer of this master card gift card it leads to Incomm Financial Services, tried their number it flipped me back to Vanilla Gift. This card should have XXXX on it. I can not get a history, can not get a balance and can not use the card. 
I have the receipt where purchased, along with the activation information. I would like to have my money returned. If for some reason there was a scam or scimmer I would like to file a claim and have my money returned. 

Perhaps you can reach someone who can assist. I will write a letter, but need to know if Incomm in XXXX is in fact the issuer for this card.

Company response to consumer: Closed with explanation