vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 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: NY

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries.

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
" 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 '' As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) in general : If, after any reinvestigation under paragraph ( 1 ) 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- ( ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: WI

Complaint narrative:
Our mortgage is set up with auto-pay. We pay {$1100.00} on the XXXX of each month for a payment that is {$1000.00}. We have been doing that for at least XXXX months. 
Apparently the mortgage lender ( BSI ) sent us letter ( s ) starting in XXXX, XXXX stating they did an escrow analysis and we were to pay more towards the payment until the shortage was cured. It wasn't until XXXX, XXXX that we received and reviewed that letter, and called BSI to clear up the escrow shortage. We recently had our credit pulled to apply for a new mortgage and we were told by our mortgage loan officer that we had 5 late mortgage payments from XXXX, XXXX through XXXX, XXXX. We never received ANY letters from them until XXXX, XXXX, and when we did, the shortage was cleared up immediately. BSI has no proof they sent or we received their letters. They did not send them via certified mail. BSI said they left us numerous voicemail, but my wife and I never received a voicemail. All we know is that the payment was made every month via auto-pay, and we were unaware there was ever a shortage until XXXX, XXXX when we did get a letter from them via US Mail . We are requesting they remove ALL late mortgage payments from XXXX, XXXX, XXXX, XXXX of XXXX and XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After examining my personal credit report, I have identified certain inaccuracies that could significantly impact my ability to purchase a home. While I understand that errors can occur, these particular mistakes could have detrimental implications. I am familiar with the dispute process and the time constraints that come with an investigation. The following errors have been identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you remove these inaccurate accounts from my credit report as soon as possible. Given the current economic challenges, the negative impact of incorrect information on my credit score is a major concern. I expect an updated credit report that reflects these changes within thirty ( 30 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
There's a few issues I'm experiencing with my loan. This company has prevented me to make payments online which has resulted in late fees, credit card processing fees, and terrible customer service. Every time I speak with an agent from your collections department they're extremely rude. My car was repossessed earlier this year, and after paying all the fees it took over 7 days for me to receive my vehicle back, and I was never compensated for it. I have several late charge payments from {$5.00} - {$25.00} that could've been refunded due to my inconvenience. Also, I sent a request to be added on the Do not call list on XX/XX/2022 and still receive calls.

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 2023-11-20 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-11-20 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: NY

Complaint narrative:
I am writing to formally demand the immediate deletion of the derogatory item associated with my account, referenced above. The reported details are as follows : XXXX Reported Balance : {$2900.00} Last Reported : XX/XX/XXXX Account Opened : XX/XX/XXXX Account Closed : XXXX XXXX, XXXX XXXX XXXX XXXX Account Dispute Status : Resolved ; consumer disagrees, account closed by consumer I am deeply concerned about the accuracy and legality of the reporting of this account, specifically : Furnishing of Personal Information : I maintain that my personal information has been reported without my explicit written permission or instructions. I have not provided consent for the disclosure of this information and demand immediate deletion of this PRIVATE PERSONAL information Account Validity : I dispute the validity of the reported account as a collection account. The remarks indicate that the dispute has been resolved, but I disagree with the reported information. I request an immediate and thorough review of the account 's history and supporting documentation to verify its accuracy. 

Cease and Desist Reporting : Given the disputed nature of this account and the concerns raised about the furnishing of my personal information, I demand the immediate cessation of reporting this item to all credit reporting agencies. I expect that the derogatory item is removed from my credit report promptly. 

In accordance with consumer protection laws, I assert my right to accurate and verifiable information on my credit report. I kindly demand that you take the following actions : Delete the derogatory item associated with this account from my credit report immediately. 
Confirm in writing that the reporting to all credit reporting agencies has ceased. 
Provide a detailed response outlining the steps taken to remedy this situation and prevent further unauthorized disclosures. 
I request a written response within 30 days of receiving this letter, confirming the actions taken to address my demands. Failure to comply with this request will prompt further action, including filing complaints with regulatory authorities and seeking {$1000.00} per violation. 

Thank you for your immediate attention to this matter. I anticipate 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 2023-11-20 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: NY

Complaint narrative:
I am writing to formally demand the immediate deletion of the derogatory item associated with my account, referenced above. The reported details are as follows : XXXX Reported Balance : {$2900.00} Last Reported : XX/XX/XXXX Account Opened : XX/XX/XXXX Account Closed : XXXX XXXX, XXXX XXXX XXXX XXXX Account Dispute Status : Resolved ; consumer disagrees, account closed by consumer I am deeply concerned about the accuracy and legality of the reporting of this account, specifically : Furnishing of Personal Information : I maintain that my personal information has been reported without my explicit written permission or instructions. I have not provided consent for the disclosure of this information and demand immediate deletion of this PRIVATE PERSONAL information Account Validity : I dispute the validity of the reported account as a collection account. The remarks indicate that the dispute has been resolved, but I disagree with the reported information. I request an immediate and thorough review of the account 's history and supporting documentation to verify its accuracy. 

Cease and Desist Reporting : Given the disputed nature of this account and the concerns raised about the furnishing of my personal information, I demand the immediate cessation of reporting this item to all credit reporting agencies. I expect that the derogatory item is removed from my credit report promptly.

In accordance with consumer protection laws, I assert my right to accurate and verifiable information on my credit report. I kindly demand that you take the following actions : Delete the derogatory item associated with this account from my credit report immediately.

Confirm in writing that the reporting to all credit reporting agencies has ceased.

Provide a detailed response outlining the steps taken to remedy this situation and prevent further unauthorized disclosures.

I request a written response within 30 days of receiving this letter, confirming the actions taken to address my demands. Failure to comply with this request will prompt further action, including filing complaints with regulatory authorities and seeking {$1000.00} per violation.

Thank you for your immediate attention to this matter. I anticipate a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: SC

Complaint narrative:
XXXX XXXX {$480.00} I called on XX/XX/XXXX XXXX XXXX XXXX and they told me that this account will be deleted. It's XX/XX/XXXX and it's passed 30 days and the account is still in there. They sent a letter also

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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:
On XXXX and XXXX I sent certified letters to the credit bureaus and they were notarized. in reference to inaccurate information and reporting on my credit report. The bureaus have failed to respond to my request and provide me with the method they used to re investigate this matter. Keeping mind this is not my first request. It seems that the XXXX, XXXX and Experian has failed to acknowledge prior request. Their practices are unethical as well violating my consumer rights per FCRA sections, 15USC 1681i, 15USC1681i ( 5 ), 15USC1681 section 602 A, 15USC1681 section 604 A section 2, and 15USC1681c ( a ) ( 5 ). The following accounts listed below have not been accurately reporting which includes but not limited to, incorrect opening and closing dates. last payment dates and other relevant information. 
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  ) I have attached the letter that was sent to each bureau as well the certified receipts

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 2023-11-20 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: SC

Complaint narrative:
XXXX XXXX {$480.00} I called on XX/XX/XXXX XXXX XXXX XXXX and they told me that this account will be deleted. It's XX/XX/XXXX and it's passed 30 days and the account is still in there. They sent a letter also

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 2023-11-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX ) XX/XX/XXXX, I discovered a fraudulent XXXX XXXX Nevada Unemployment Insurance Claim under my Social Security Number. The discovery was made during a conversation with Bank of America about my B of A EDD Debit Card Account. I was alerted to potential fraud by the fact that he had received an email at his Priority email address at work about his EDD Debit Card account, and the EDD Debit Card Account was from XXXX. This made no sense because B of A did not have my work email address, and the account would not have been tied to his current work place ( XXXX ) years later. After speaking to the fraud representative at B of A, the fraud representative decided to file a complaint with the Nevada Unemployment Agency alerting them to the fraud, and both B of A representatives suspended and blocked the fraudulent account in Nevada under my Social Security Number, and he petitioned the CA EDD to close my old EDD Debit expired Debit Card Account. The name of the party using my Social Security Number is XXXX XXXX. 
XXXX ) XX/XX/XXXX, I filed a Credit Freeze with all the major Credit Bureaus in the US, XXXX, XXXX, and XXXX XXXX. 
XXXX ) XX/XX/XXXX, I filed an Identity Theft Complaint with XXXX ( FBI ) XXXX 
XXXX ) XX/XX/XXXX, I filed a fraud complaint with the Nevada XXXX XXXX XXXX ( DETR ), filing said complaint and report electronically. 
XXXX ) XX/XX/XXXX, I filed a Police Report with XXXX XXXX Police Department, said report is filed under report number XXXX, by XXXX XXXX, Badge Number XXXX. 
XXXX ) XX/XX/XXXX, I filed a Fraud Alert with XXXX XXXX, which oversees US Checking and Banking. 
XXXX ) XX/XX/XXXX, I filed a Fraud Identity Theft Complaint with the Federal Trade Commission. 
XXXX ) On XX/XX/XXXX, I ordered a XXXX XXXX XXXX Report. 
XXXX ) XX/XX/XXXX, I filed a Fraud Alert with all the major Credit Bureaus in the XXXX, XXXX, XXXX, and XXXX XXXX. 
XXXX ) I did everything possible, and Bank of America did nothing, and they did not close the account after informing them of all of that, instead they started sending me USPS mail about the fraud infected B of A EDD account, alerting me to the fact that the account was still open, and after all of that stated above. This is incompetence. 
XXXX ) On XX/XX/XXXX, B of A sent me another letter, after 10 years of this back and forth, still claiming an active account associated with fraud. 
XXXX ) When I called them the XXXX time, they said they would not close the account, the person I spoke with in XX/XX/XXXX of XXXX, his name was XXXX, and the one prior to that date in XXXX of XXXX was 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 2023-11-20 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: IL

Complaint narrative:
Experian Is sabotaging my credit report, it has been constantly dropping for the last XXXXweeks with no reason at allI have lowered all my debt each month there is no way my credit score should be constantly going down with them, this is ruining my credit. And ALSO I told the Credit companies to REMOVE all information regarding XXXX XXXX from my account because the situation was fraudulent, they refused to close the account when I originally told them too, regardless of what they are telling you, I filed a police report already. if my credit score is not fixed and you continue to ruin it, I will take legal action because you have no valid reason to give me negative credit reporting scores for XXXX month consistently without probable cause or explanation. 

XXXX Also sent me a confirmation letter of deleting the account as well. So I dont know whats going on. all I know is Experian keep negatively reporting my account with no reason or explanation.

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 2023-11-20 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: MS

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. 

XXXXXXXX XXXX XXXX  # XXXX, XXXX/DEPT OF ED # 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 an 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 non-monetary relief
Consumer complaint received 2023-11-20 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: MS

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. 

XXXXXXXX XXXX XXXX # XXXX, XXXX/DEPT OF ED # 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 an 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 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
At approximately XXXX PT on XX/XX/XXXX, I took advantage of a Chase XXXX XXXX promotion offer with a points transfer to XXXX XXXX XXXX XXXX. The promotion would have had me receiving a 30 % bonus of points upon transfer. In simple terms, if I transferred XXXX points from Chase XXXX XXXX to XXXX XXXX, I would receive XXXX points in my XXXX XXXX account. The 30 % promotion bonus on the Chase website was slated to run through XX/XX/XXXX at XXXX ET. 

I was looking to book a flight through XXXX XXXX for XXXX points. Therefore, with XXXX points in my XXXX XXXX account, I had to transfer XXXX Chase points to XXXX XXXX. That XXXX, when coupled with the 30 % bonus, should have had me receiving XXXX points in my XXXX XXXX account ( XXXX ). 

The transfer was completed, however, I only received XXXX points in my XXXX XXXX account. My XXXX bonus points were missing. I called Chase and XXXX XXXX multiple times over the ensuing days to find out how to resolve this issue, and both companies pointed the fingers at each other. No one offered any sort of resolution. 

Chase indicates on their website that transfers ( and bonus 's ) can take up to 7 days to complete. The 7 days has officially passed and I do not have the bonus miles in my XXXX XXXX account. 

Therefore, because I needed to book a flight before it was unavailable, I had to transfer an additional XXXX points from Chase to XXXX XXXX to make up for the lack of my bonus points. 

During this sequence, I have maintained screenshots and phone records with XXXX XXXX as documentation.

Company response to consumer: Closed with non-monetary relief