vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my 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 non-monetary relief
Consumer complaint received 2024-02-29 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: NY

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information XXXX adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my 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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I did not schedule or verify payments to chase credit cards. My checking account is linked to the cards. They reported my credit cards as delinquent to the credit company 's and removed money from my debit card with my authorization or notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I XXXX XXXX and my wife XXXX XXXX, have been trying to receive to pay off our time share with XXXX. We have not been able to receive a payoff or response in reference to what we need to pay to satisfy the debt. We are trying to make a major financial purchase for our own betterment, and this is standing in the way. 



Thanks,

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 2024-02-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am refilling this complaint to EXPERIAN with report number XXXX for allowing fraudulent account and unauthorized inquiry on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account and unauthorized inquiry are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Total of {$560.00} fraudulent charges at XXXX XXXX after the fraud prevention alert to which I responded no and to send me a new card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have requested documents from this company and I have not received any document til this day

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my 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 2024-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

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 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
Good afternoon, i am 3 months behind on my mortgage. i called to set up auto draft payment to come out of my account so that it may be auto payed and i do not have to fall behind in the future, i have called this mortgage company in the past provided routing and account number. i called today ay XXXXXXXX XXXX  they told me i can not call and provide routing and account number or set up auto pay. I demand to speak to speak to someone regarding this matter. how can i get my loan current if they refuse autopay my ach has never been rejected. i am a law student in an internship i am paid XXXX and XXXX i have called and completed this before on a recorded line. this company seems fraudulent and shady they stated they never take numbers over the phone however i have proof of past auto drafts.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information on my credit profile. They are remaining late payments as 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 

A late payment can not be reported as 120 days late in XXXX XXXX XXXX and then reported as 90 days late in XX/XX/2024. That is inaccurate reporting and a violation of my consumer rights. 

Per consumer law- 15 U.S. Code 1681- Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information on my credit profile. They are remaining late payments as XXXX XXXX XXXX  days late, XXXX XXXX XXXX days late, XXXX XXXX XXXXXXXX days late, XXXX XXXX XXXX days late, XXXX XXXX XXXX XXXX  late and XXXX XXXX XXXX days late. 

A late payment can not be reported as 120 days late in XXXX XXXX XXXX and then reported as 90 days late in XX/XX/. That is inaccurate reporting and a violation of my consumer rights. 

Per consumer law- 15 U.S. Code 1681- Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: SC

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information on my credit profile. They are remaining late payments as XXXX XXXXXXXX XXXX  days late, OXXXX XXXX XXXX days late, XXXX XXXX XXXX days lateXXXX XXXX XXXX XXXX days late, XXXX XXXX XXXX days late and XXXX XXXX XXXX days late. 

A late payment can not be reported as 120 days late in XXXX of XXXX and then reported as 90 days late in XXXX XXXX That is inaccurate reporting and a violation of my consumer rights. 

Per consumer law- 15 U.S. Code 1681- Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2024-02-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Real Estate Equity Exchange, Inc. d/b/a Unison
State: NC

Complaint narrative:
On XX/XX/2019, my husband and I entered into an " Equity Sharing Agreement '' with Unison Investment XXXX XXXX, for a {$40000.00} cash advance, in exchange for 56.4 % of the profit from the sale of our home, over its appraised value, at the time of the agreement - example : value of my home in XXXX  was approximately {$300000.00}, if I sold my home today, approximate sale price would {$420000.00}, Unison would receive the return of their $ XXXX plus 56.4 % of {$120000.00}, = {$110000.00}. 
While we did sign this agreement, we only had a rudimentary understanding of exactly what we were getting into. This became apparent when we tried to re-finance our mortgage. Unison assured us during the process, that refinancing our home would be easy, no problem at all- which turned out to be totally untrue. The refinance wasn't at all similar to any refinance we had ever done in the past. It was a drawn-out affair, where we had to jump through many hoops, lost our first refinance partner, and it was next to impossible to find a refinance company who would be willing to work with Unison. 
My husband and I were contacted by a law firm asking if we would be interested in participating in a class action suit against Unison, as they several families who had the same experience as we did. 
Ultimately the law firm was not able to move forward with the suit because of the arbitration clause in the contract we all signed. It was clearly written in such a way as Unison anticipated this blow back and took measures to protect itself. 
I feel believe strongly that Unison acted in a predatory and manipulative way. Their marketing and salespeople empathized acting quickly, before potential customers could really understand the depth of how bad this deal is for the home owners. I feel like a victim of their greed, taken advantage of, bamboozled, and that Unison operates without transparency or integrity, lacking any true benefit to their customers. 
I would like out of my deal with them. The thought of having to be in an agreement with them for a total of 30-years makes me sick to my stomach. I do owe them the original {$40000.00} and will figure out a way pay them off, to have them out of my life. They are crooks and should not be allowed to operate, with this financial product, anymore and with any other nave people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I received an alert from XXXX on XX/XX/XXXX that Equifax had changed my address on my credit report. When I tried to log into the Equifax Lock and Alert website I was informed that access was not possible at that time and was instructed to call them directly. When I called the Equifax number, I spoke with an individual by the name of XXXX who barely spoke understandable English. When I explained my issue to XXXX, he stated he was unable to tell me why an address change had been made to my credit report and offered no other assistance. The issue is that we updated our current address with all of the credit reporting agencies when we moved into our current address almost XXXX  years ago. Although the update that apparently occurred today ( from our old address in XXXX XXXX XXXX  to our current address in XXXX XXXX  ) was accurate, I want to know who/what prompted the update to my credit report -- especially since that had already been done almost XXXX years ago. When I expressed my frustration about not being able to get an answer to my questions, XXXX responded that he took my frustration about not being of any assistance as a compliment. Due to the constant threat of identify theft, I feel I have no choice but to pay for the services provided by Equifax. That said, the quality of the support they provided to me today is appalling -- and is only amplified by having to deal with overseas call centers that use individuals that do not speak English well enough to be able to communicate clearly -- and that have absolutely no interest in providing a reasonable level of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: DISCOVER BANK
State: MA

Complaint narrative:
If you have any questions or would like to provide additional information, please feel free to contact me at XXXX XXXX. I am typically available XXXX, XXXX XXXX p.m. ( ET ). XXXX of the XXXX XXXX XXXX XXXX XXXX neither answers nor returns calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter. Please REMOVE all of the fraudulent information listed below from my credit profile, pursuant to section 605 ( b ) of the Fair Credit Reporting Act. 
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