vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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: CA

Complaint narrative:
I am permanently disabled ; I have XXXX XXXX. I received a letter from the Department of Education XXXX XXXX XXXX that due to my XXXX, my loans have a XXXX balance and this has been resolved which I received on XX/XX/2023. I sent that information to XXXX via the online website on XX/XX/2023, with the Department of Education XXXX XXXX XXXX letter. I received a letter from XXXX on XX/XX/2023, stating they will not change the balance. XXXX won't report this as a XXXX balance on my credit report. This affected my credit and the opportunity to move to another apartment. It affects any chance to open a bank account, open a credit card, and rent an apartment. It has destroyed my credit. My credit score is XXXX and has always been excellent since I established credit over nineteen years ago. This also affects getting a job and getting medical treatment. 
Additionally, when I contacted XXXX by phone, I spoke with a supervisor named XXXX who outright called me a dishonest liar, and she would not remove or acknowledge the information was accurate with the Department of Education XXXX XXXX XXXX. I provided her with all the information which was accurate and factual. I am a disabled woman with XXXX XXXX and this is caused me that is being affected by this false information by XXXX. Additionally, I have submitted this information online and via-certified mail to Transunion. To date, they have also not updated the correct, accurate information with XXXX XXXX Department of Education showing a XXXX balance.

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 2023-02-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am permanently disabled ; I have XXXX XXXX. I received a letter from the Department of Education XXXX XXXX XXXX that due to my XXXX, my loans have a XXXX balance and this has been resolved which I received on XX/XX/2023. I sent that information to Equifax via the online website on XX/XX/2023, with the Department of Education XXXX XXXX XXXX letter. I received a letter from Equifax  on XX/XX/2023, stating they will not change the balance. Equifax won't report this as a XXXX balance on my credit report. This affected my credit and the opportunity to move to another apartment. It affects any chance to open a bank account, open a credit card, and rent an apartment. It has destroyed my credit. My credit score is XXXX and has always been excellent since I established credit over XXXX  years ago. This also affects getting a job and getting medical treatment. 
Additionally, when I contacted Equifax by phone, I spoke with a supervisor named XXXX who outright called me a XXXX  XXXX, and she would not remove or acknowledge the information was accurate with the Department of Education XXXX XXXX XXXX. I provided her with all the information which was accurate and factual. I am a disabled woman with XXXX , and this is caused me that is being affected by this false information by Equifax. Additionally, I have submitted this information online and via-certified mail to XXXX. To date, they have also not updated the correct, accurate information with XXXX XXXX Department of Education showing a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi, My name is XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
hard inquiry made by 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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
hard inquiry made by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On Friday, XX/XX/XXXX at approximately XXXX ET, I attempted to make an excess payment to my credit card issued by Chase Bank to be applied to my balance transfer that has a promotion that is set to expire on XX/XX/XXXX. The issuer, Chase Bank, stated that I could not do that because I have other current balances on my credit card account that has a currently higher interest rate that they must apply the majority of the excess payment to. I then inquired on how they could deny this as the Credit Card Accountability Responsibility and Disclosure Act of 2009, Section 164 ( Prompt and Fair crediting of payments ) ( B ) ( 2 ) made available from the ftc 's website at XXXX : XXXX states : " CLARIFICATION RELATING TO CERTAIN DEFERRED INTEREST ARRANGEMENTS.A creditor shall allocate the entire amount paid by the consumer in excess of the minimum payment amount to a balance on which interest is deferred during the last 2 billing cycles immediately preceding the expiration of the period during which interest is deferred. '' I asked the representative I spoke with if the balance transfer on my card that has the 0 % promotional APR set to expire on XX/XX/XXXX will have previous unapplied ( deferred ) interest not collected added after the promotional period ends, and the customer service representative confirmed that it will. I asked if this balance transfer amount is considered a deferred interest balance per the Bank 's definition and understanding and the customer service representative confirmed that it is. The customer service representative also stated that the only way I would not incur the total deferred interest on the balance transfer amount is if I pay the credit card in full before XX/XX/XXXX. I am seeking assistance with having this issue rectified if they are circumventing or breaking the law or if we're not understanding how they are not breaking the law, we'd like understanding of this. 

Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: EQUIFAX, INC.
State: GA

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

Account name : XXXXXXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXXXXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: GA

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

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15

U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: CO

Complaint narrative:
key bank, sent offer of {$200.00} to open XXXX account. online it said went to web site www.key.com/personal/promo site said must be XXXX, us citizen, resident of ... Colorado .... 
opening indiv account clicked through and page said " your request cant be completed '' visit nearest branch i went to a branch and told them of offer and they opened account and switch my direct deposit - later they contacted me and said had to be online

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CO

Complaint narrative:
My identity was stolen and used to obtain a loan by a company called, " XXXX XXXX XXXX XXXX' ( doing business as, XXXX XXXX XXXXXXXX ). The loan is in default and was sent to a collection agency National Credit Adjusters ( XXXX ). The collection is now showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a mortgage with Wells Fargo. I requested a modification on my loan due to medical hardship for my elderly dependent father. I requested this modification in XX/XX/XXXX, my documentation was lost several times, the shortage I paid for my escrow was not applied {$1600.00}, information was requested several times, I was asked the same question several times. XXXX XXXX in the Home Preservation Department couldn't answer any of my question, never answered her phone and when I did call, she could not provide answers she just repeatedly asked for the same information. I filed a complaint case still no resolve. As of today, I paid the storage escrow for my mortgage XXXX of XXXX, the modification amounts are still incorrectly Wells Fargo has calculated a higher monthly payment due to a storage paid in XXXX of XXXX. My numbers are incorrect, customer service is incompetent and I'm getting overcharged on my monthly mortgage. 

I have already spoken to XXXX XXXX, XXXX XXXX ( executive Office Case Manager ) Case number # XXXX, XXXX XXXX, and XXXX XXXX, I was assured that the escrow payment would be applied, I was also sent written confirmation of such and as of today, my escrow is still short, and the monthly payment is incorrect.

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
Consumer complaint received 2023-02-10 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: MD

Complaint narrative:
I recently pulled a copy of my credit report and noticed a lot of inaccuracies and inconsistencies. I sent in certified letters to the credit reporting agencies to get the reported information verified and they said all the information on the report was accurate. 

After the verification process I checked my credit report again and noticed the same inaccuracies as before after a new thorough research. 

Below are the accounts I asked to be validated Name of Account Account # XXXX XXXXXXXX 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 the Fair Credit Reporting act the above accounts has violated my rights. 

15 U.S.C 1681 sectjon 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. Sec. 168li ( a ) : States that if a consumer reporting agency can not provide proof, these accounts must be deleted. 

Please note that XXXX account, with XXXX account number and the XXXX XXXX  account with account numbe XXXX just need the Late marks removed.

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 2023-02-10 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: GA

Complaint narrative:
I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX : XXXX... 
XXXX, XXXX. : XXXX... 
XXXX & XXXX : XXXXXXXX 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 


I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-02-10 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: SC

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: William D. Meeker Enterprises, Inc.
State: OH

Complaint narrative:
On XXXX I was looking over my credit report. when I came across an unauthorized inquiry from a company by the name of CIC Credit. this company did not have my permission to run my credit at all I have asked them on multiple occasions to delete their inquiry. however, they have not they have failed to produce any physical evidence of any authorization MADE BY ME such as an Identification card, Social Security Card, or PassPort.the only info they have sent me is some info about their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi, My name is XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi, My name is XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
XXXX XXXX is reporting a repossession on my credit reports. After reviewing my credit report, I took it upon myself to dispute this inaccurate account with the credit bureaus as well as directly with XXXX XXXX. The tracking on my dispute is showing as delivered yet I still have not received any documentation from XXXX concerning this account. Per the consumer laws, after receiving a dispute request, that consumer reporting company must acknowledge and complete an investigation. It seems perhaps my concerns have been ignore and this is a violation of my rights! I am requesting that this account is deleted from my credit report and all documents pertaining to this account be mailed to me.

Company response to consumer: Closed with explanation