vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: 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 : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-12-22 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: 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 Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-12-23 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: Kriya Capital, LLC
State: KS

Complaint narrative:
I have no knowledge of this company and why its reporting on my credit report I have made many attempts to get the validity of this but nothing was provided Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 2 company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The issues has been ongoing since XX/XX/XXXX and stems from my credit report not being visible on the website and indicates an invalid credit score. Ive reach out to them to rectify the issue and they have escalated the case up to their technical team. They've informed me that I will receive a response between 5-7 business days. Of course after a couple weeks past I have received zero responses. 


Fast forward to XX/XX/XXXX Ive attempted to reach out again regarding the same issue with an error code I received ( XXXX  ) and they have again mention the issue has to be escalated again to the technical department. They have provided a confirmation # XXXX As of today XX/XX/XXXX Ive yet to receive any types of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
My car was repossessed the people that picked up my vehicle messed up my front bumper my brake system my two front tires from dragging it

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 2023-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: WI

Complaint narrative:
In XXXX of 2023 I was ordered to pay a ticket and court fees to the XXXX XXXX XXXX and state public defender. I paid all of these costs directly to XXXX XXXX within the time due, otherwise there would have been a warrant placed for my arrest. All payment was due by XX/XX/2023 and I paid everything in full on XX/XX/2023. Although all dues were paid i got a letter in XXXX of 2023 stating the account would be sent for collections to XXXX XXXX XXXX ( XXXX  ). I contacted the state of XXXX consumer accounts department and the debt collector listed in the letter and sent in all available proof. I was told everything would be handled and was never contacted by either agency again. Five months later, in XXXX of 2023, the account popped up on my credit report in collections. At this time I again contacted the state of XXXX and I spoke to them about the situation and they said that there was a payment that shouldve been made separately from my court fine and that was what was sent to collections but when I called the county clerks office that I originally paid they informed me that specific fine that person was referring to was included in the amount I paid in XXXX of 2023. I contacted the debtor on XX/XX/2023 and explained the situation and they said they couldnt completely drop the debt but could settle for a one time payment of {$140.00}. The payment was taken out of my bank account via debit card on XX/XX/2023. Today, on XX/XX/2023 I was notified that a new account was added to my credit report. It was not a new account but rather the above mentioned debt collector reopening the account I had paid them for. I contacted my credit reporting agency and they informed me on the night of XX/XX/2023 that the mentioned debt collector is claiming they never received payment. I will also be contacting the county clerks office again after the holidays to get a breakdown summary of where everything I paid in XXXX went so there can be no denying payment anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: PA

Complaint narrative:
I have given XXXX a police report because I was a victim of Identity theft. I noticed a high volume of inquiries and asked them to investigate. They told me it would be 30 days, it has been more than 30 days. They have no given me proof or responded. This is against Fair Credit Reporting Act and my rights. I ask that the inquiries below be removed. 

XXXX XXXX  XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-12-23 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I bought an American Express Pre-Paid gift card for {$200.00} in XX/XX/23. I have attempted to use it at a few retailers XXXX XXXX XXXX, XXXX, XXXX ) and it has been declined every time. Each time it's declined there has been more than enough money on the card to cover the purchase, and when it's declined I'm told it's a processor error. I have called customer service 5 separate times, and I have gotten different, useless advice like wait 24 hours or make sure your card has enough money ( I have done both without the card working ) each time I've called. I just want to access my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-23 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: KY

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-12-23 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: PA

Complaint narrative:
I noticed on my credit report I have a high number of inquiries. I never authorized these inquiries. I contacted Transunion immediately, they said they had to do an investigation and that it may take 30 days. I am past 45 days and still haven't heard anything or received any proof. I ask that the following inquiries below be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I returned some merchandise to XXXX and received credit that they received the merchandise. I send over to the credit company proof of the returned merchandise and the credit company still will not take of the merchandise that was returned to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: NJ

Complaint narrative:
I have accounts and inquiries on my report. 

Accounts XXXX. XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$75.00} XXXX. XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$220.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-12-23 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: NJ

Complaint narrative:
I have accounts and inquiries on my report. 

Accounts XXXX. XXXX XXXX {$1500.00} XXXX. XXXX XXXX XXXX {$75.00} XXXX. XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$220.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB CARD I demand this inquiry be removed immediately its not mine Important dates Inquiry date XXXX XXXX XXXX  Removal date XXXX XXXX  Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Mortgage purchased 5 of my loans and started servicing them in approximately XXXX XXXX XXXX. I now have a total of 7 mortgages with Chase and have had nothing but problems with their accounting practices. 
My 2 main complaints : 1. They did not pay my insurance out of my escrow accounts on time and my Florida insurance policies got cancelled for non-payment. I had to apply for new insurance, where the cost went from {$1000.00} per year to {$6000.00} per year. They said it is possible the lender they purchased the loans from forgot to send them the details to make the payments. This is Chase 's responsibility to follow-up on. I had no idea they were not planning to pay the insurance. 
2. My escrow account was updated with a higher payment in XX/XX/XXXX. I am on paperless billing and did not get a notification my payment amount changed. Once I realized the amount had changed, I updated my online bill-pay to pay the new amount and called Chase immediately to get my accounts all current. After approximately 40 hours on the phone, we finally got it right in XXXX XXXX  At least we thought we did. Since XXXX, funds have been mis-applied to principle instead of to the required payment, generating late fees and issue I had to resolve monthly with Chase to back out the mis-applied payments. 

They then informed me I was confusing the system by sending payments 2 days before they were due, and I had to move my payments to after they were due, so the system would know what to do with them ( e.g., pay the XX/XX/XXXX payment on XX/XX/XXXX, rather than XX/XX/XXXX ). At this point, I have close to 80 hours on the phone with Chase. This seems to have resolved the issue on all except 1 account. 

I called today to get the last account fixed and they refused and said all payments have been applied correctly. I would absolutely love if they could have someone else service my loan. I have not had problems like this with a servicer not being able to do basic accounting since the XXXX with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: PA

Complaint narrative:
I have inquiries on my transunion credit repair. 

Inquiries 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

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 2023-12-23 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: MD

Complaint narrative:
XXXX, XXXX, and Experian are all third parties. I was not told that my nonpublic personal information would be given to a third party, nor was I given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, nor was I given an explanation of how I, the consumer, can exercise the nondisclosure option Per 15 USC 6802. While looking at my credit reports I found that XXXX XXXX XXXX XXXX account ending in XXXX, the XXXX XXXXXXXX account ending in XXXX, the XXXX Milestone account ending in XXXX, and the XXXX XXXXXXXX auto finance account ending in XXXX all have my transaction history listed. Per 15 USC 1681a a consumer report DOES NOT include any report containing information such as transactions or experiences between the consumer and the person making the report. Also the accounts from XXXX XXXX XXXX ending in XXXX and XXXX, along with the XXXX XXXX XXXX XXXX account ending in XXXX and the XXXX XXXX bank card services account ending in XXXX have all been charged off. Per topic no. XXXX, canceled debt on the irs.gov website if your debt is canceled, forgiven, or discharged the amount of the canceled debt is taxable and you must report any taxable amount of a canceled debt as ordinary income. Which means that charge offs are counted as income and income SHOULD NOT be reported on a credit report. Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I submitted my initial complaint on XX/XX/2023. This is my 2nd attempt to solve major problems to my credit report. I requested for the Transunion to send me the procedure in which they verified the negative accounts on my credit report. I received NOTHING showing this verification method. However, there were several erroneous UPDATES added to my credit report. I have attempted several times to get this problem resolved with Transunion concerning erroneous, incomplete and inaccurate items on my consumer report to no avail. Transunion has continuously violated my rights as a consumer as to the Fair Credit Reporting Act that states that Accuracy and fairness is my right. The Fair Credit Reporting Agency also states that there is a NEED to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy and those things have not been done in my case. The following accounts continue to show up on my consumer report month after month : U S DEPT OF ED Account # XXXX and XXXX/DOFED Account # XXXX. These accounts are erroneous and inaccurate. I did not give permissible permission for these items to be reported by the consumer reporting agency to the consumer report. Please help me get these accounts DELETED permanently from my consumer 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