vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX has violated my rights XXXX XXXX Act # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX acct # XXXX has violated my rights XXXX acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX  XXXX Acct # XXXX has violated my rights XXXX XXXX  XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # 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 an account without my written instructions.

15 U.S.C. 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information other than records of convictions of crimes which antedates the report by more 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 2023-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: IL

Complaint narrative:
I paid the payments without going two payments past due. However, AFTER paying the payments, on XX/XX/2023, Midland reported the account as 30-days past due and failed to show the payments made, and instead showed two payments made without being two payments past due as being unpaid. it also shows the account currently past due for two payments. I was denied credit on an unrelated account based solely on this incorrect information.

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 2023-12-08 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:
My student loan was paid off in XXXX with the Public Student Loan Forgiveness Program, just over {$39000.00}, which is over 40 % of my debt. XXXX states they report the status monthly and the credit reporting agencies have up to 90 days to make updates. It has been over 90 days since they were notified and they still show me owing that debt. I submitted the letters and balance information from XXXX and they processed the disputes but determined not to change any of my information. I gave them all supporting documents I have access to, and according to XXXX they have sent the documents to them but they are unwilling to remove the debt from my report. They still show the entire balance as active.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please immediately remove my incorrect name and date of birth. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-08 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, you have violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This is proof that XXXX XXXX has disputed this with Experian however Experian never responded. 
Experian refused to remove this item from my credit file

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As of today XX/XX/23 at XXXX ; XXXX, XXXX is derogatory reporting an account with incorrect information! I have asked this be corrected on numerous occasions and nothing has been resolved. I went to my XXXX XXXX this morning to refinance my auto loan and discovered the report contains errors. Firstly, that XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting this account as " OPEN '' in the amount of {$550.00}. THIS IS INCORRECT -account # XXXX IS CLOSED! See the attached. 
Additionally, XXXX is showing me lender a current score of XXXX, but when I log in-the customer, the consumer, my score is shown as XXXX a difference of XXXX points!!!! I really wish this would get resolved, I have spent countless hours trying to get someone to help and they do not seem to care and are infringing ALLLLLLL OOVERRRRR MY RIGHTS! I am very closed to getting the Attorney General for the State of Florida involved. This is not right and they know it. 
Best, 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 2023-12-08 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
My first complaint though XXXX  and CF was as following Caliber has denied my PMI removal several times. My home valuation is {$520000.00} plus and I only owe {$310000.00} on the loan. I have sent in the XXXX check and form that states the updates/costs I have done to the home. It has been a drawn out response followed by a refund of the check and then denial of the request. The customer service since being bought out by XXXX XXXX has been awful. I dont believe it is the employees fault but that they are tied down by an awful automated system and slimy company tactics. My latest call was today XX/XX/23 and employee XXXX. Was not helpful in the least and it is frustrating in this day and age to not get something sorted out other than snail mail and poor communication prior to denial of the requests. I will never finance again through this company and can not recommend enough you do the same So a couple weeks later and multiple reps on the phone with caliber we finally did get to the point where a representative basically did admit they had done the process of the removal wrong and that an appraisal shouldve been ordered. Im sure they have audio recordings of this conversation. So they took my additional fee for the XXXX removal which increased 30 % since XXXX when I started this process. They said an appraisal would be ordered within 10 days. Guess what happened? They switched my loan servicer to XXXX XXXX and did not order the appraisal, they did not refund me, and they did not contact me about the XXXX. I can not believe this is still happening. I have never made a complaint formally about a company in my lifetime until dealing with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was looking at my credit report and noticed an account was added that I don't recognize so I want it removed from my account because it is showing as negative. Please remove it!!!!!!!! 


Account Name XXXX AS Account Number XXXX Date Opened XX/XX/2023 Balance {$130.00}

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 2023-12-08 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: NY

Complaint narrative:
I was looking at my credit report and noticed an account was added that I don't recognize so I want it removed from my account because it is showing as negative. Please remove it!!!!!!!! 


Account Name XXXXXXXX XXXX Account Number XXXX Date Opened XX/XX/2023 Balance {$130.00}

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 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Original Complaint On XX/XX/2023 I purchased a piece of furniture for {$2600.00} from XXXX XXXX. The purchase was made via my Chase credit card. The order form stated a delivery date of late XXXX - early XX/XX/2023. As of XX/XX/2023, the item was not delivered. I contacted the company and was told the item would be sent in XXXX. The item never came. I contacted the company again and was told it would be delivered in XXXX. Come XXXX the item never came. I contacted the company and was told maybe next month. At this point the company was not giving me an estimated date, and I felt the like the order was a fraud. I told the company in an email, " unacceptable '' I know longer want the merchandise. It was months past the delivery date. I did not get a response. Come XX/XX/XXXX, the company dropped the item off at my house. I did not sign for it. I contacted the store, and they are currently in XXXX XXXXXXXX. They are now run by a liquidation company. I called my credit card Chase to dispute the purchase. Chase opened the dispute under the category " item not received ''. The company provided the delivery date and Chase closed my dispute. I reopened the dispute, telling Chase all of the facts. Chase closed the dispute this time stating I did not attempt to return the item. I did in fact attempt to return the item, and I did not accept it either. 

Company 's Response We reviewed your account and confirmed that our previous findings for your {$2600.00} charge from XXXX XXXX on XX/XX/2023. The charge is valid because we have not received valid supporting documentation showing you attempted to cancel prior to delivery, and attempting to return the product. If you can provide proof that you told the merchant that you wanted to cancel prior to the delivery date and requested a refund with the merchants response ; we will review the case again. The documentation that we received is not valid, it does not indicate you requested to cancel and want a refund. The charge will remain on the account. We encourage you to work with the merchant directly, or seek other options outside of the dispute process to obtain a credit. 

My additional information, I did provide evidence that I wanted the order canceled. Attached I am providing the whole email change. I clearly asked to have the order canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and have found questionable reporting practices and failure to meet minimal requirements with XXXX XXXX and LVNV. I have written several letters to all three credit bureaus back in XXXX, as noted in your system asking for validation. All have claimed that they have verified the inaccuracies XXXX XXXX has reported on my credit report. 

On XXXX XXXX, XXXX I have sent a letter directly to XXXX XXXX and LVNV asking for a correction and/or prompt removal of incomplete, outdated or unsupported information. To date, nothing has been updated. 

As a consumer, I request to know all of the steps this agency took to ensure that these items were reported as 100 % accurate under 15 USC 1681i ( 7 ) Method of verification. Description of reinvestigation procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I requested to be removed as an authorized user on American Express Gold card through their online chat. I have tried to remove the account from my credit reports, but the dispute claims the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TN

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: VA

Complaint narrative:
I have been paying this car loan off for the pass two years and my loan balance is still pretty much what it was when I purchased this vehicle. No matter how early I pay this loan amount is not changing. Right now it states XXXX balance for a XXXX XXXXXXXX this is identical to the same price it was over a year ago and I pay XXXX a month. This can not be legal. The name of the company is flagship and this is predatory. I can not even sell this car to a company that buys financed cars because they stated this vehicle is not worth anything close to this when I purchased this vehicle it was for XXXX dollars. This car loan is not going down and I need to get out of this deal I have gave them all together well over XXXX grand and have not put a dent in this car loan. There is no way this company is using a legal practice for this car loan. Then when I asked the pay off amount if it was paid early its the same exact price thats left meaning the interest that would be for the future is automatically charged. I feel as if I was scammed into this contract when I was in need. I have a XXXX credit score please help me this is not ok.

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 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX or XXXX, I received a direct message via XXXX from a supposed painter. They had mentioned that they wanted to use a specific picture I had posted to make a painting. Since I had no problem with it, I had agreed. XXXX, the painters name, had said she was required to send me money because of protocol. I had sent her basic information to contact me to go further. When the client ( who was paying for the painting ), XXXX XXXX, had messaged me, he sent XXXX back to back checks to deposit via email. When I deposited both checks, they were placed on hold. Chase had said the check amount would be available a week after the check was deposited. Messaging the client, he had said that was fine and normal. Later, XX/XX/XXXX, Chase emailed saying I had insufficient funds due to the check removing {$500.00} instead of adding. When I brought this up to XXXX, he had the - {$500.00} removed some how. After this happened with the XXXX check, he had mentioned to deposit another XXXX to get the pairing project started. The same issue kept happening. Therefore I had called Chase to remove the most recent checks on XX/XX/XXXX, because I would not have cell service that weekend and I was frustrated dealing with the same issue despite the clientele changing etc. The representative had mentioned that out of the XXXX checks I deposited the first one would be removed and when the second one goes through, they made a note to remove it. I was not made aware of any fraud or fraudulent activity in my account by Chase, I only received letters stating the checks were removed from my account. On XX/XX/XXXX, I had attempted to make a payment at XXXX XXXX, however, it said not authorized. When I called my bank about my account, they said that my account is closed due to fraud and nothing can be done. I asked if there was anything I can do or resolve, but the representative said I couldnt and I could not open another account at Chase. In search of a new bank account due to this because my job needs to deposit money in my account, I went to XXXX XXXX ; however, the banker said my name/SS is not passing the background check. Chase did not mention any of this to me prior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-08 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested to be removed as an authorized user on XXXX XXXX XXXX card through their online chat. I have tried to remove the account from my credit reports, but the dispute claims the information is correct.

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 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I deposited a large check via BoA 's mobile banking app, and it is being held for a week. 

This is wrong, solely because the check is drawn on BoA. This means their protestations about wanting to verify the check are false, because the check is drawn on funds already deposited. 

I might have had the option of depositing the check in-person, but they have closed all the branches near me. The nearest one to me is in XXXX, XXXX miles from my home in 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 monetary relief