vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: KS

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.

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 2024-03-01 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: KS

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.

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 2024-03-01 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My American Express credit card was canceled in XX/XX/XXXX. Even though I have explained to every customer representative that it was not my intention to close the account, it seems to be presented like that in their systems. I have fought back against that closure and tried to reinstate my credit card many times, but I was unsuccessful. I even tried that in this forum by presenting a claim in XXXX to American Express that was, again, not taken into consideration by the American Express company. 
I'm disappointed with this company that used to be very good in customer service and has been affected during the last years, becoming terrible in my recent interactions with them. 
As I mentioned, the credit card was incorrectly and unfairly canceled in XX/XX/XXXX, but now, in XX/XX/XXXX, I have found that I should pay {$450.00} due to a " benefit '' that was offered with the credit card called " Miles in advance '' or " Miles ahead. '' Back then, when I requested this benefit, I intended to get miles in advance and use the credit card during the following six months to re-pay those miles asked ahead by returning miles every month, as the promotion/benefit is intended to work. But since my credit card was unexpectedly canceled, I couldn't continue making purchases with it and, therefore, was blocked from gaining new miles that would have re-paid the miles in advance requested. 
I called customer service today at XXXXXXXX XXXX  EST. I explained this situation to two different customer service employees ; they didn't understand the program/benefit and didn't know how to help and kept transferring me. I was assigned to " new applications for credit cards, '' which had nothing to do with what I needed. As I said, the customer service at American Express has deteriorated. 
I was finally transferred to " XXXX '' at around XXXXXXXX XXXX EST, and after another 15 minutes of explaining all my issues to him, he simply mentioned that he couldn't do anything and wrote down my complaint. 
I talked for one hour ( very inefficiently ) with American Express customer service, and nobody could help me. I want to waive this amount from my account and keep it canceled as it has been for the last six months. 
I hope that someone at American Express is still interested in customer service and reads this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: NY

Complaint narrative:
XXXX XXXX, XXXX, EQUIFAX, AND XXXX IS IN VIOLATION 15 U.S. Code 1679c

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is unreasonable that my history of timely payments for this account is not being acknowledged. I kindly request immediate action to update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

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 2024-03-01 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: TX

Complaint narrative:
I had contacted XXXX report # XXXX regarding information they are reporting and they did not provide me proper notification according to 15 U.S. Code 6802 and they refused to provide me with any proof that proper notification was made to me.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had contacted XXXX report # XXXX regarding information they are reporting and they did not provide me proper notification according to 15 U.S. Code 6802 and they refused to provide me with any proof that proper notification was made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Received an email from Chase on XX/XX/24 that my Chase XXXX card is now in your XXXX XXXX. Email is provided on attachment. The problem is I do not know what a XXXX XXXX is, did not ask to be enrolled, and do not want to be enrolled. The links on the email to opt out of XXXX were confusing and did not work. Atop that was not sure if this was some sort of a potential scam. 

To get out of XXXX XXXX I called four reps. The first customer rep. XXXX did not know what XXXX was and referred me to Chase Security. I talked with XXXX from Chase Security, and she understood my concerns but said customer service had to be the dept. to remove me from XXXX. I was then transferred to XXXX XXXX who supposedly unenrolled me in XXXX. I asked him for something official such as an email, a letter ( USPS ), or secure message email. He said he could not do this. I then asked for his supervisor, he transferred me to supervisor XXXX. XXXX said he was not knowledgeable about the XXXX XXXX  and only the technical department could verify that I was truly dis enrolled. He could not or would not send me an email verification of disenrollment and over all was XXXX and unhelpful. 

This whole phone experience across four reps without a full resolution to the problem took about 45 minutes of my time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a XXXX XXXX speaker and I am getting assistance writing this complaint at a self-help legal clinic. I prefer that any response be in XXXX. 

On XX/XX/year> I tried to deposit {$3900.00} in cash at an ATM at a Bank of America branch at XXXX XXXX XXXX XXXX. in XXXX, CA, into the joint checking account I share with my husband ( acct # XXXX ). I fed all of the money into the ATM and then the machine malfunctioned ( there were loud beeping noises and letters on the screen that I couldn't understand ). I saw two other people who were having similar issues with the ATM machines that day. 

I went inside the bank to try to get help and when I returned, it appeared that the machine was working again. It returned my card and {$100.00} that I had deposited. I fed the {$100.00} back into the machine and it worked. Then, when I checked my online banking account, I realized that only {$300.00} of the original deposit plus the {$100.00} from the second transaction appeared in my account. {$3500.00} of the money that I fed into the machine never appeared in my account. I went back into the bank to try to get help but it was difficult to find someone who I could communicate with in XXXX. When I did, they told me that there was nothing they could do and I needed to call the number on the ATM. 

I called the number and made a report on XX/XX/year>. On XX/XX/year>, I received a response from Bank of America via letter stating that after an investigation they concluded that there was no record that I had deposited the missing {$3500.00} into the account. They did not include any details pertaining to the investigation they conducted. On XX/XX/year> I received notice via letter that Bank of America that they were closing my personal checking account ( acct # XXXX ). They informed me via phone that they were actually closing both the joint account and my personal account on XX/XX/year>. The funds in both accounts are currently frozen. 

I am still missing the {$3500.00} in cash that I deposited into the ATM and now do not have access to the funds in either my joint account or my personal account. This causes great hardship to me and my family as we depended on these funds for our basic needs.

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 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MT

Complaint narrative:
My loan was sold by XXXX to Mr. Cooper and just after they got it they had a security breach. Now, today, I'm trying to get into my account to get my tax information ( getting my taxes done tomorrow ) and their website is down. App is also down. I called to ask if they could email the info which she did, but because the site is down I can't access it! 

So frustrating! I am really concerned about this company now - how secure are they and do I need to continue to worry about my information? All the other mortgages I've had in the past always sent a physical form for taxes - I got one from XXXX, but they don't. Makes things very difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: UT

Complaint narrative:
XXXX please provide what method you verified to XXXX and Trans Union. As I am aware XXXX doesnt allow the transfer of FTC identity theft reports which you all confirmed in my last CFPB complaint dated XX/XX/24. That you all had, that FTC identity theft is required to provide to the credit reporting agencies. I have added both credit reporting agencies to this complaint to determine if you all sent over the FTC identity theft Report as required as the data furnisher under FCRA section 623. Additionally I requested another incident theft report which you all have failed to mail to me as the faxed incident report of how the cards were stolen from the authorized user home and the account was fraudulently used was ignored and you havent stated if you have in your possession the current incident report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: UT

Complaint narrative:
XXXX please provide what method you verified to Experian and XXXX XXXX. As I am aware XXXX doesnt allow the transfer of FTC identity theft reports which you all confirmed in my last CFPB complaint dated XX/XX/24. That you all had, that FTC identity theft is required to provide to the credit reporting agencies. I have added both credit reporting agencies to this complaint to determine if you all sent over the FTC identity theft Report as required as the data furnisher under FCRA section 623. Additionally I requested another incident theft report which you all have failed to mail to me as the faxed incident report of how the cards were stolen from the authorized user home and the account was fraudulently used was ignored and you havent stated if you have in your possession the current incident report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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:
My personal information was lost during a relocation in 2019. I begin to monitor my account and have noticed accounts I have not authorized nor have any affiliation with. I see that someone has obtained lines of credit with my information. There are accounts and credit inquiries that I have no knowledge of. The credit inquiries also include : Experian, XXXX XXXX, XXXX, XXXX, XXXX. I have no idea who these creditors are.

I've contacted the credit reporting agencies notifying them of the issue as well requesting verification of these accounts with no formal response, these accounts are not verifiable.

I have the right to privacy and furnishing these accounts without my written consent is in violation of 15 USC 1681B Furnishing information in direct result of identity theft is in violation of 15 USC 1681 C-2. 
I requested that the invalid addresses are removed from my profile, this is also causing accounts to be placed on my profile. These accounts being furnished to my account is affecting my ability to obtain credit

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 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I took a home loan from RBFCU bank, Loan Account number XXXX at a APR of 5.125 % and I have been making payments in advance + making part prepayments when available. However there is a systemic issue with RBFCU payment processing system and I have tried to explain this to their representatives multiple times. Whenever i make a payment in advance it moves the next payment due date however it still deducts interest for future month today. For Eg : - I made two payments for my home loan in the month of XX/XX/2024 for {$4200.00} and it moved my next payment due date to XXXX however still charged me interest for XXXX, XXXX  even if it has not occured. How can a bank charge me interest for a future month today which has even occured. I have told their representatives multiple times that your system is charging interest for future months, however they are not listening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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