vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
hom it may concern I have these closed accounts with XXXX XXXX XXXX Closed on XX/XX/XXXX & XXXX XXXX XXXX Closed on XX/XX/XXXX. XXXX agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to transunion, XXXX and XXXX or any other credit reporting agency.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
hom it may concern I have these closed accounts with XXXX XXXX XXXX Closed on XX/XX/XXXX & XXXX XXXX XXXX Closed on XX/XX/XXXX. XXXX agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to XXXX, equifax and XXXX or any other credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: GA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-05-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to request the immediate removal of the late payment entries from my credit report the are in violation of the fair credit reporting act specifically 15 U.S. Code 1681 a ( 2 ) a ( I ) According to the FCRA late payments should not be reported as negative information. This effects my creditwillingnss and ability to obtain favorable credit terms. I kindly request that you investigate this. Per FCRA, I expect acknowledgement of this law In accordance with the fair credit reporting act the creditor has violated my rights under 15 U.S.C 1681 section 602 states that I have the right to privacy U.S.C 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681A section 2 exclusions does not contain solely as a transaction or experiences. Experiences between consumer or person making report 15 U.S.C 1661A section I transactions are NOT included in the consumer report. I have filed a dispute with XXXX XXXX they refuse to remove it and I have talked to them multiple times, they are very hard to deal with and I want this negative remark removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: GA

Complaint narrative:
I am a victim of identity theft. Attached is a copy of my identity theft report with all fraudulent accounts and inquiries listed. Below are all listed fraudulent accounts and inquiries that are being reported to my Transunion Credit Report Fraudulent Transunion Accounts XXXX XXXX XXXX  Account # : XXXX Balance : {$390.00} XXXX  XXXX Bank Account # : XXXX Balance : {$420.00} XXXX  XXXX XXXX  Account # : XXXX Balance : {$390.00} XXXX XXXX XXXX Account XXXX XXXX XXXX Balance : {$680.00} Transunion Fraudulent Inquires XXXX XXXX XXXX  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 2024-05-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit Health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to urgently follow up on my previous dispute regarding two accounts that remain inaccurately reported on my credit report. Despite my previous communication via mail dated XX/XX/2023, I have recently obtained an updated copy of my credit report, which still shows the same discrepancies. These inaccuracies are adversely affecting my creditworthiness and financial standing.

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 2024-05-29 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: TX

Complaint narrative:
You are in violation for reporting the wrong balance for the account XXXX XXXX XXXX. Furthermore, the alleged debt is uncollectible since the statute of limitations is 4 years in the state of Texas. Please see the company 's response showing that the true balance was {$94.00}. You are reporting an additional {$100.00} on this account, and I can sue your company for negligence and false reporting. This account is to be removed within 7 business days. XXXX has already deleted this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2024-05-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a 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 2024-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Freedom Mortgage is the lender. The County I live in increased the property taxes. Freedom Mortgage Increased my mortgage payment by {$1000.00} to offset the increase in property taxes. 

On XX/XX/XXXX Freedom Mortgage paid half of the XXXX taxes {$4900.00} : Reference Receipt # XXXX On XX/XX/XXXX I, the homeowner paid the remaining balance of {$4900.00}. After which, I contacted Freedom Mortgage to inform them I will pay all homeowner taxes directly to the state, whereby relieving Freedom mortgage the responsibility to collect escrow. I sent the same information to them and they denied my request stating taxes were still owed. They simply failed to review the documentation and contact the state and county to verify the taxes were paid. They were to ignorant to just review the receipts. Customer service says is escrows problem to fix. Escrow says its customer service problem. No one wants to take ownership. It is my right as the customer to stop having my lender pay my taxes. 
Equity in my home is double the amount of the loan.

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 2024-05-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 of 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 2024-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: IN

Complaint narrative:
My loan was supposed to be charged off. They were litigated against and I received a settlement check. But they are still coming after me for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: IL

Complaint narrative:
FCRA 605B obligates the removal of any erroneous accounts from my credit report. These accounts have been inaccurately reported. I am entitled to {$1000.00} for each incorrect entry on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I disputed personal information incorrect address and name on my credit report to reflect the correct information on my drivers license. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will see attached drivers license! The credit bureaus refuse to correct this information several times! They incorrectly updated it 5 or more times. Also, at one point deleted my address completely off my credit profile. This is cause extreme stress and anxiety. Also, XXXX due to inability to obtain credit. I am going to seek legal counsel soon and sue for emotional and financial damages for {$500000.00} This is cause extreme distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-05-29 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
In XX/XX/2023, I made a purchase of a macbook pro for {$2400.00}. I returned the laptop within a few days for a FULL refund, within the valid return window. I made the original purchase on an Apple Card account, and was told 100 % of the cost would be returned to that card. This is the only charge I had on the card and opened the account specifically for that purchase, and never used it again. Fast forward 3 months, and I get a notification that I've been delinquent on my credit payment and my credit score dropped XXXX points after never missing a payment in my entire life. I called apple to complain and they stated that I had a {$130.00} charge on the card. When I asked how that was possible, they insisted that I was paid " cashback '' and that I needed to pay it back. I did not receive any cashback, and that single transaction was the only transaction on the account so it wasn't possible that it credited me back for some other balance I had. They stated I had been paid out to my " Apple Wallet '' on my iPhone. I do not own an iPhone. They stated it must have gone to my iPad. I do not own an iPad. They stated I must have gotten it somewhere " or else it wouldn't say we paid you ''. I stated that the Macbook I had just purchased and returned was the only apple product I owned, and that there was no way I could have possibly redeemed, spent, or accessed this cashback. I paid off the full balance anyway, just to stop the bleeding in my credit score, so I now have actually OVER paid and am owed that money back as it was never money I should have owed to begin with. Every time I call Apple or Goldman Sachs ( the card issuer ), I wait on hold for hours, repeat the entire story, and am told that they will have a supervisor call me back within a few days. I never receive a call from a supervisor or anyone. I have done this 5 times now. I also filed disputes with credit agencies like XXXX and XXXX, and they " investigate '' it before coming back and telling me " Apple said you owed the money and we see it on the account so the credit impact is valid ''. Now when I try to log in to access my Apple card account to access documentation, I'm told my account has been locked. My credit score dropped XXXX points from this and still has not recovered despite never missing any payments before. This took me from XXXX to below XXXX and I am only back up to XXXX. This is impacting my ability to look at loan rates for a car or mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I contacted Midland Credit Management and asked for proof of debt with Midland Credit Management and asked for original documents and written agreement with Midland Credit Management showing proof of the debt with them. If they are a debt collection agency and the original debtor closed or wrote off the debt that belonged to me according to 15 USC 1681 S2A1A my information can not be transfered without my written consent and if I did have a debt with an original company other than Midland Credit Management they should have given me a 1099C showing that the debt has been written off and it is now according to the Internal Revenue Service it is considered to be income and that can not be shown on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to urgently follow up on my previous dispute regarding two accounts that remain inaccurately reported on my credit report. Despite my previous communication via mail dated XXXX XXXX XXXX, I have recently obtained an updated copy of my credit report, which still shows the same discrepancies. These inaccuracies are adversely affecting my creditworthiness and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: MD

Complaint narrative:
I am writing to urgently follow up on my previous dispute regarding two accounts that remain inaccurately reported on my credit report. Despite my previous communication via mail dated XXXX XXXX XXXX, I have recently obtained an updated copy of my credit report, which still shows the same discrepancies. These inaccuracies are adversely affecting my creditworthiness and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern I have these closed accounts with the following banks closed accounts. 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 XXXX XXXX. Each credit company listed agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to XXXX, equifax and XXXX  or any other credit reporting agency.

Company response to consumer: Closed with non-monetary relief