vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 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: NC

Complaint narrative:
I am writing you this letter regarding payments that were marked late by your company for the following accounts XXXX XXXX XXXX. have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person ( company ) is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. 

You have furnished transaction information on the following accounts.with XXXX XXXX XXXX ( XXXX XXXX XXXX ) has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date. 

My account with XXXX XXXX XXXX was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family! Please remove ALL LATE PAYMENTS 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-02-04 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: TX

Complaint narrative:
I want these items to be removed off my TransUnion report as they were all a result of Identity theft and I have asked this many times in a complaint to each company no response. I have uploaded my identity theft report as well. I will seek violation damages if these items are not removed within 72 hours.

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 2024-02-04 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 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: MD

Complaint narrative:
Over the past TWO YEARS, Experian has been verifying and updating accounts without proper verification and investigation. So, lately, I've decided to take it to CFPB to get justice. I filed a complaint with CFPB on XX/XX/XXXX. Experian already responded to it by opening AND completing two disputes, dispute numbers : XXXX and XXXX. They did nothing but open and close the dispute on their end. No investigation was done. I will be attaching another dispute letter to this complaint as well so that you can provide me with your findings from the investigation and methods of verification. Included in this letter is also my proof of identification and residence : SSN Card Utility Bill, and License. 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 explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
I requested a forbearance in XXXX that was approved from XX/XX/XXXX - XX/XX/XXXX. I called my mortgage company to express that my financial situation has not changed and I wanted to extend the forbearance for the remaining 180 days. I was told that as of XX/XX/XXXX XXXX XXXX stopped giving extensions. I asked for documentation ( cfpb statement, mortgage document and/or literature from XXXX XXXX XXXX . I was given XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX. When speaking to XXXX XXXX I was informed that there was no such deadline and that I should be eligible for a COVID related forbearance extension. XXXX XXXX gave me instructions to have my mortgage servicer call their XXXX team so XXXX XXXX could assist my mortgage servicer through the process. My mortgage servicer refused to follow through with this and refused me the option and I would like to file a formal complaint relatedly.

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 2024-02-04 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 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: MD

Complaint narrative:
I am writing to file a complaint regarding unauthorized accounts on my consumer file as a result of identity theft. I have already taken the necessary steps to address this issue by filing an FTC report and a police report with the XXXXXXXX XXXX  Police Department. Enclosed, please find copies of these reports, as well as documentation confirming my legal name change from XXXX XXXX XXXX XXXX XXXX pursuant to a divorce order. 

The following accounts, names, social security numbers, addresses, phone numbers, employers, and spouse or co-applicant information do not belong to me, and I request their immediate removal from my consumer report : Names to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses to be removed : [ Include the list of addresses ] Social Security number to be removed : LAST XXXX XXXX ( Enclosed is a copy of my Social Security Card ) Phone numbers to be removed : XXXX XXXX Employers to be removed : XXXX Spouse or Co-Applicant to be removed : XXXX Pursuant to XXXX XXXX XXXX, I have identified unauthorized activities on my credit report and am requesting the appropriate measures be taken to block this fraudulent information. Starting 30 days from the date you receive this letter, I demand that you furnish the supporting documents and probable evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within this timeframe, federal law mandates the removal of the accounts from my consumer report without prejudice. 

Under 15 U.S. Code 1681 ( i ), Paragraph ( 5 ), Treatment of Inaccurate or Unverifiable Information ( A ) In general, if, after any reinvestigation, any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete it. Additionally, under 15 USC 1691c-2, I am entitled to have the fraudulent information blocked from my credit report. The relevant federal statute states that when an identity theft victim provides a copy of a police report to a consumer reporting agency, the agency must block the reporting of information resulting from identity theft. 

This action is essential for preventing further harm to my credit and financial standing. I kindly request your prompt attention to this matter and appreciate your assistance in resolving this identity theft issue. 

FTC Report, Police Report, Copy of Social Security Card, Name Change Documentation

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 2024-02-04 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-02-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reported this before on my Equifax and the companies. I " am now reporting again as the information has not been removed. I submitted a identity theft report and it seems as if its not being taken serious as these inquiries are not mine. I will be seeking damages for each violation if they are not removed within 72 hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 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: CA

Complaint narrative:
Experian PLease look into the disputed items of inaccurate you are reporting on my 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 explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, On the day of XX/XX/year> not to long after opening my first bank account with chase, i deposit a check for probably the first time, i deposited a check into a chase ATM machine, without filing in the details paid to the order amount and the dollar amount as you can see the picture of the check attached, since i was young and new to this I wasnt really fully aware that deposit a check like this can make problems! 
A Few days later my account was frozen, when I called in chase they explained me the issue and they told me if i want the money back I need to bring the guy woh worth me the check into chase bank to confirm it, so i did so and I bring the guy woh gave me the check to chase bank, but they they started claiming that they need some documents to proof of ownership which he didnt have with him at that time, so we asked chase to at least release the money back to XXXX XXXX  from where the check was coming from, but chase refused to send the money back to XXXX XXXX 
Since then I tried calling few times chase to get something done on this matter but nothing really happened! As of now about 1 year ago chase let me open a new account by them but that money I never received back! 

Thanks for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 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: WI

Complaint narrative:
I enter in this program to help assist with my credit. After reviewing my report, I noticed a particular item showing on my report incorrectly. I sent letters to all credit reporting agencies, along with a snapshot of my credit report. 

In XXXX I was robbed at gunpoint for my car. The insurance company paid majot portion of the vehicle, and about XXXX went into collection. I settled with XXXX XXXX and payed XXXX, in XXXX. I spoke with XXXX in XXXX, and notifyed ne my accosunt was paid, and I have no obaligation with them. 

I havent gotten a clear respond from the credit agencies, They have yet to update or change anything reflecting to my credit report. 

TransUnion is reporting Derogatory XXXX is reporting PAID XXXX id reprting Derogatory I would perfer it to show PAID across each credit reporting agenceis.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
We can't dispute issues on our Innovis online account. I've tried a few times over the past few months. It says : " Only letters, numbers, spaces, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are allowed in the problem description. However, even after I removed all punctuation marks, the dispute can't be completed. What a technology!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-02-04 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: GA

Complaint narrative:
I have a {$250.00} Hilton chain Amex prepaid gift card.

But most Hilton hotels are unable to actually process the gift card as funds tendered and will end up charging a stay to one of my other credit cards. See the online article here for a full description of the problem XXXX XXXX XXXX XXXXXXXX # comments And there is a related problem, recently I was able to use {$200.00} of the {$250.00}, but now it is impossible to use the {$50.00} balance as a partial payment ( and the card does not allow me to add funds to it ). Since {$50.00} is not enough to pay for a room, I can't get the benefit of the last {$50.00}. Hilton should be required to allow holders of gift card to use them as partial payment for a stay ( and use cash or another funding source for the other part of a payment ).

The Hilton Gift Card can only be used at Hilton hotels. This is there policy verbatum : " The Hilton Gift Card and Hilton Business Gift Card may be used only at Hilton Hotels and properties worldwide that accept American Express Cards. Funds do not expire. The Card can not be used at ATMs. Not redeemable for cash, except where required by law. Additional limitations apply, including restrictions on use of the Card for recurring billing. Read Cardholder Agreement for complete terms and conditions, including a binding individual arbitration clause. Replacement Card issued only to the extent of available funds at the time of notification. For customer service, call XXXX. For balance inquiries, current Cardholder Agreement, and additional information visit XXXX. Issued by American Express Prepaid Card Management Corporation. Licensed as a Money Transmitter by the New York State Department of Financial Services. XXXX ID # XXXX. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-04 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: OH

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. 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 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. Please delete the following accounts : 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