vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: PA

Complaint narrative:
I am writing to file a complaint regarding an ongoing issue with the reporting of information on my credit report, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). I previously submitted a complaint on XX/XX/2024 regarding the investigation of an account listed on my credit report. Despite my efforts, the problem persists, and I am deeply concerned about the accuracy and consistency of the information being reported. 

Furthermore, I have explicitly opted out from sharing my information with the creditor in question. However, it has come to my attention that my information is still being shared without my consent, which is a direct violation of my privacy rights. 

Under the FCRA, it is clearly stated that inaccurate, incomplete, or unverifiable information must be removed or corrected promptly. Moreover, the law mandates that the information reported across all three major credit bureaus must be accurate and consistent. 

The crux of my concern lies in the inconsistency between the responses from different credit bureaus. XXXX has acknowledged the inaccuracies in the reported account and has taken steps to remove it from my credit report. However, Transunion has asserted that the account was updated, which directly contradicts XXXX 's findings. This discrepancy raises serious doubts about the reliability and integrity of the information being reported by these agencies. 

Attached you will find Transunion 's response stated the account was updated that a change was made, attached you will also see XXXX 's response as the account was removed. What is true? Transunion has asserted that the account was updated, which directly contradicts XXXX 's findings.

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 2024-03-02 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:
other XXXX XXXX is not reporting this information delete XXXX XXXX XXXX from my account XXXX EVIDENCE IS ATTACHED BELOW

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 2024-03-02 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: FL

Complaint narrative:
Received a letter form Mr Cooper saying that they had purchased my loan. When I called in to authenticate the agent said they could not proceed with out me revealing my personal information. I told them I did not have a loan with them and that I could not trust the letter nor the person at the other end because public records showed that both XXXX  ( my current servicer ) and Mr Cooper were breached. 

The agent said they could not proceed as the process was rigid. I reminded her that the artifical agent had verified me already but she would not yield. Asking for someone with authority to by pass the process or use a different method did not help. At the end the agent cut off the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: PA

Complaint narrative:
I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating They do not report any bankruptcies to any of the bureaus. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may know any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. states, I have the right to privacy.

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

According to 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 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
It is my belief that this credit card application I have signed and denied from is against the law.

Under equal credit opportunity act, the creditor may not deny an application for credit without giving specific reasons that were the basis for denial of this application.

At this time, I have received numerous response, but none answering my request for specific information regarding the basis for denial.

I provided VALUABLE COLLATERAL in exchange for this credit card and have received nothing in return.

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 2024-03-02 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: FL

Complaint narrative:
Hard Inquiries : I wrote XXXX dispute letters also online dispute to all three credit bureaus in XXXX & XX/XX/XXXX in Temp to have them fix these errors or remove the entire inaccurately late payment of my credit file but it was a failed attempt, I reached out to CFPB to help me with this matter. 
I do not give any authorization to any creditor to run my credit nor was I looking for a credit card or loan. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As for late payment, this payment is current and has been a consumer report to update the information. 
XXXX XXXX XXXX. 
XX/XX/XXXX {$480.00} monthly Auto payments. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX, are currently on terms with the leasing agreement. 

XXXX : Account XXXX was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: CO

Complaint narrative:
On XX/XX/2023 I was contacted by PNC because of suspected fraudulent charges made to the XXXXXXXX XXXX There were XXXX charges for {$50.00} each. At that time they were able to file a dispute for XXXX of them but said I had to wait to file the other XXXX until they posted. I filed a dispute online for the XXXX on XX/XX/2023. I was issued a total of {$450.00} in provisional credits at that time. On XX/XX/2023 XXXX of the {$50.00} credits were reversed saying they found it to be duplicate. I contacted PNC on XX/XX/2023 when an agent reopened the dispute. I contacted PNC on XXXX XXXX and was told that it was still being reviewed. On XX/XX/2023 I contacted PNC again because they had sent a letter stating the dispute was resolved. I was again told it was because it was a duplicate dispute. I spoke with several different agents who the escalated to another department. I spoke to this department on XX/XX/XXXX. She asked me why I hadn't filed a dispute within their required 60 days and I explained that I had called multiple times and filed the initial dispute the same day and 2 days later. She resubmitted the dispute. Yesterday I received XXXX letters stating that they were denying the XXXX {$50.00} disputes because it had not been filed in the required 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Im a victim of identity theft XXXX XXXX XXXX  and I have a credit score & credit cards in my name my birthday year was changed and all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: FL

Complaint narrative:
I am writing to file a complaint against Experian for falsely claiming the disputed account XXXX as validated, despite evidence to the contrary. XXXX conducted an investigation, acknowledged the inaccuracies, and promptly removed the account from my credit report. This discrepancy raises concerns of misinformation and I request the CFPB to thoroughly investigate this matter. Your prompt attention to this issue is greatly appreciated. Experian is in violation of 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( XXXX ). ( Please see attachment )

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 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
The PNC mobile banking app and website have been unavailable from XX/XX/year> - XX/XX/year> and still unavailable as of the time of this complaint. 

This is a widespread issue as you can find XXXX of complaints and service requests on XXXX, articles being written about the outages and yet PNC has made no effort to inform its customers of the issues. They only acknowledge the issue if you reach out to them and all they say is that they are aware the *some* users can not access the app. They give no assurance that you account is safe. Provide no way to access your account or money. No indication on when they think the problem will be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Visited XXXX XXXX branch on XXXX XXXX, in XXXX XXXX to clear a XXXX XXXX for an account I could nor gain access too, as well as potentially open a XXXX XXXX account. After meeting with XXXX XXXX, I felt very belittled and degraded, as she spoke to me like a child. And refused to accept my payment for my XXXX XXXX. To be fair, I did arrive to my appointment XXXX XXXX late because I forgot my XXXX and turned back to get them from home. When I arrived she spoke out and said is my XXXX appointment here. I replied yes. She then said XXXX? I said yes, that's me, she again replied, it was for XXXX. I apologized and said I turned back because I realized I left my XXXX. And she chuckled. Then said how can I help you, I told her I want to pay a XXXX XXXX, and open a XXXX account. She replies, I don't do payments for XXXX XXXX, I can only handle opening a XXXX account. Then states " you know chase won't allow you to open a XXXX account if you owe them money right? ( IN A LOUD TONE ). Then replies, just to be clear, im not speaking loud, but I just want to let you know that. Then says, '' C'mon, would you lend someone money if they owed you '' Honestly, it felt like she wanted the whole bank to know I owed chase. I responded, I would assume that they wouldn't, that's why I said I want to make a payment on my XXXX XXXX. Then she decides to pull up my account. She then says, you have XXXX XXXX XXXX, what's going? I told her I'm only aware of the one I came to pay, and she said the other one is from XXXX XXXX ago. I said ok, well I didn't know. She then decides to lecture me about how chase views customers with XXXX XXXX XXXX, and ask who do I bank with? I replied just XXXX banking ( XXXX XXXX etc ). Then disrespectfully goes, do you work? Like why is that your business? I'm here to make my payment, and do business. I immediately ended the dialogue, and said mam, can you start the process to make my payment. She kept replying, I have to make a call XXXX, and I said so I can't just make a payment? She replies, I have to make a call XXXX. I decided to leave the meeting and go to the teller, where I easily made my payment. I've never felt so downplayed in my life, and im definitely not going to that branch. And possibly never do XXXX with XXXX again. I tried calling XXXX XXXX XXXX to complain. Waited XXXX XXXX, to have a representative transfer me to there XXXX, and been on hold for another XXXX XXXX. So here I am. OFFICIALLY COMPLAINING.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
I wrote this email to Representative XXXX XXXX on XX/XX/2023 that explains the situation. I thought the issue was resolved in XXXX, but after counting two payments its back to the way it was. MOHELA seems to be willfully not counting my payments. Please see below : Hello Rep. XXXX, I am writing you today at my wits end. I am enrolled in the Public Service Loan forgiveness program through the Department of Education that has unfortunately made MOHELA my loan servicer. This has been far and away the most challenging and frustrating experience I have ever had with any financial payment system. The program is such that your student loans forgiven after 120 qualified payments at a 501c3 or government agency. Initially they were counting XXXX of XXXX eligible payments. Then XXXX  Then XXXX. Now it is XXXX.

I have called them for over 8 months ( well before the busy season happened and payments were due ) and they have not been able to figure out my issues. I call, message, call again, they write notes, I take names of people, I submit and resubmit paperwork. Each new time they make me resubmit it takes months for them to process it and I receive 0 correspondence, they confirm my address every time. The Department of Education Ombudsman closed my case and never responded to it initially without giving a reason why. 

MOHELA is in no position to handle this federal contract. The Department of Education is in no position to handle the continued XXXX XXXX on the part of MOHELA. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
On XX/XX/year> I received an email from Midland Credit Management claiming that I owed debts that are already paid. This company has employed ways of misrepresentation in claiming that I owe them payment. Per the prospectus report of XXXX XXXX, it states " The primary source of funds for the payment of principal of and interest on the notes is the collateral certificate issued by the XXXX  trust to the issuance trust. '' See XXXX XXXX. Per the same prospectus, it states that " XXXX  trust makes payments on the notes ( principal payments reduce the nominal liquidation amount of the notes and the invested amount of the collateral certificate ) ''. How then does the consumer/invertor owe any debt if the master trust makes principal payments relating to XXXX 's XXXX in the master trust? Midland Credit Management seems to have employed some type on money scheme and has furnished deceptive statement that coerces the consumer into believing they owe a debt. Per the current flow chart of the same prospectus, I am the consumer/investor and the amount you claim is due to you, are notes/credits due to me. After my tendered, endorsed and signed application was submitted, it was then converted into a receivable/treasury marketable security by XXXX Credit Card XXXX XXXX XXXX XXXX from there XXXX XXXX XXXX receives payment for increase in collateral certificate. How is it that the consumer owes any debt? On pg. XXXX of the same prospectus, there it states that " The issuance trust will pay the proceeds from the sale of a class of notes to XXXX. XXXX will use such proceeds to increase the investor interest of the collateral certificate, acquire additional receivables, and for its general corporate purposes. XXXX will be responsible for the payment of all expenses incurred in connection with the selection and addition of accounts designated to the master trust. How then does the consumer/investor owe debts to you? Why then, was my open- ended revolving credit account closed for non-payment? Please see attached current flow chart.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Hi, I had a fraud on my account. XX/XX/XXXX and XX/XX/XXXX. These XXXX days transaction happened. And TD bank was able to catch the fraud after XXXX transaction happened. They texted me I confirmed that it was fraud, I closed my debit card and I directly called the bank. These transaction happened in XXXX and I live in CT. When these transaction happened I was on the train ( XX/XX/XXXX ), I also have train tickets. When the other transaction happened I was at XXXX from XXXX XXXX to XXXX XXXX ( XX/XX/XXXX ) which I have email from the professor who confirms my presence at school. I also have a police report. Even though all these evidence TD bank refused the fraud XXXX times and they claimed that these transactions are belong to me. I really need help to save my money. Moreover, when I spoke with someone from TD bank they told me that my bank card activated in XX/XX/XXXX in some device which is the date that I got a text from XXXX and gave my information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-02 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: GA

Complaint narrative:
I am writing to address a formal grievance and urgently request swift action on your part regarding improper reporting to the major credit bureaus, which has resulted in significant damage to my credit profile. Your actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), and the consequences of this non-compliance may include fines and damages.

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 2024-03-02 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: GA

Complaint narrative:
I am writing to address a formal grievance and urgently request swift action on your part regarding improper reporting to the major credit bureaus, which has resulted in significant damage to my credit profile. Your actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), and the consequences of this non-compliance may include fines and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XX/XX/24 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

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