vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On or about XX/XX/XXXX I went to XXXX XXXX XXXX XXXX ( XXXX ) to refinance the loan with chase auto on my XXXX XXXX XXXX XXXX with a balance of around {$13000.00} with XXXX XXXX XXXX in XXXX XXXX on XXXX XXXX XXXX phone XXXX. When their payment didn't reach my chase account by the due date I made a final payment which probably triggered this issue. Since XXXX I have been making payments to XXXX totaling over {$1200.00}. In XXXX I called XXXX to find out what happened with the refinance they said they had mailed a check. I called chase and they said they had returned the check. About a week later, around the first week in XX/XX/XXXX I went back into the XXXX  branch to speak with the XXXXXXXX XXXX, this time we three-wayed a chase representative. The two spoke about the checks and it was learned that the check had been redeposited by chase and would be mailed out to XXXX  to the XXXX XXXX of record. XXXX put notes on my account to flag the check when it came in. The following week I called after waiting 7 days to check the mail and no check had been located according to XXXX. I called chase back and they gave me the same story that the check was mailed. Meanwhile I'm still making payments on a loan that I never received the funds for. I called XXXX  and left messages but did not receive a call back. On XXXX  XX/XX/XXXX I went into the XXXX  branch on XXXX XXXX seeking assistance. The branch manager added notes to my account for the other branch to contact me. XXXX called me back on XX/XX/XXXX stating that chase had cashed the check and I need to follow up with them. On XXXX XXXX I called chase and they said they had redeposited the check and XXXX  should have the funds. I went back to XXXX  to get resolution or assistance, the assistant manager who offered to help but reluctantly looked at my account and said " chase cashed the check... you need to follow up with them. I politely asked for my ID and went through the teller line to close my checking account to stop the auto drafts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a car rental reservation months ago with Chase XXXX, but when I arrived, the XXXX location did everything possible to upsell me, attempting to charge XXXX per day for an upgrade to a XXXX I didn't want. They falsely claimed that my route required snow chains, supposedly mandated by the police. However, after checking with other car rental companies nearby, I found this was untrue. In the end, they even claimed the XXXX was unavailable and canceled my reservation. 

Then Chase asked me to file a claim with XXXX  Due to multiple agencies in between, this website said I was not authorized to discuss the problem with them. XXXX acknowledged the problem but unable to provide a refund. I was being kicked by all these parties without a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
New Complaint : Theft of Funds from personal checking account. 

Background : I filed a complaint woth CFPB a few days ago b/c I called American Express XXXX XX/XX/XXXX to cancel this credit card, after enduring much pressure and XXXX  from the American Express rep to keep the card, he finally said he would cancel it. XXXX was his name I believe. He promised to cancel and promised the {$250.00} annual fee would not be charged. I continued to receieve emails from American Express and called them on XX/XX/XXXX and was informed thatvthe card had not been cancelled. They apologized and said would cancel card right awya and they would bot charge me the upcoming {$250.00} annual fee and that XXXXwould investigate my allegations of fraud. 

Today XXXX I teceived XXXX more emails from American Express!!! XXXX ) Email saying they chatged me the {$250.00} annual fee!!! XXXX ). More unwanted, unsolicited offers from American Express!!!! 

I want American Express and their corrupt foreigh call center investigated for fraudulent practices and banking/wire fraud & theft. I cancelled this card over 10 days ago and they are still charging me an annual fee and refuse to cancel the card! They need to cancel the card RIGHT NOW!!!! I am contacting a lawyer and local law enforcement too. This will not slide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-02 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I am griteing to disputed accounts on my credit report that were whithout my consent. According to section 604 of THE FAIR CREDIT REPORTING to section ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX XXXX XXXX XXXX A XXXX XXXX I am attaching FTC Report Number : XXXX to this communication to further support my complaint and provide additional evidence relevant to the matter. This report contains critical information that substantiates my claims and highlights the need for a thorough review and investigation of this case. I appreciate your prompt attention and resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: VA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-02 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: MD

Complaint narrative:
I went through financial hardship. Account went into collections. I paid the collection amount off. The company stated they would remove it off all credit bureaus. Now on my credit report, it shows a payment status of " Collection/Chargeoff ''. This is false information since this has been paid off. If a debt is listed as charged off when it has been paid in full or settled, it is considered inaccurate information and violates the FCRA. Credit reporting agencies must update information on a credit report to reflect accurate changes, including when a debt is paid off or settled. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: VA

Complaint narrative:
I could not login to my USBank online account. When called I was told USBank terminated our relationship due to Efraud and thats all that could be said. Beforehand 2weeks prior I had opened a checking account with USBank since I have a credit card with them.

Now no word on where my funds are from the checking account.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt 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 non-monetary relief
Consumer complaint received 2024-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I requested PMI removal. I paid the appraisal fee as requested and my appraisal was completed on XX/XX/XXXX. I reached out to NewRez to request they remove PMI and asked approximately how long it would take to receive a response. I was told I would get a letter in the mail within 30 days of XX/XX/XXXX. I reached out 45 days later, on XXXX. When I reached out I was told the agent I spoke with on the week of XX/XX/XXXX did not request removal so there was no action on my account. I was also told I would not be reimbursed for any PMI payments that I made that were a result of this error. They told me my PMI would not be removed until XX/XX/XXXX. NewRez 's phone lines are also messed up because you can't get through to the PMI/insurance department through the menu- it will always redirect you to the start. I submitted a complaint about both items and was told the issue was resolved but it was not.

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
am writing to formally dispute and express my concern regarding fraudulent activity involving my Capital One account that appears to have been replicated or misused by Credit One Bank and XXXX XXXX XXXX. I have identified unauthorized accounts or transactions under my name that I did not open or approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am currently in the process of doing a short sale with Truist my mortgage company. The 1st Loss Mitigator, XXXX XXXX was being uncooperative, and she made an inappropriate comment to me. She also was not responding timely during the process. She also denied the short sale due to findings of an unqualified vendor they used for the appraisal process. I filed a complaint with your agency and she was replaced with another colleague and I received the exact response and I feel its because of the complaint I filed. I would really like to get this short sale process finalized as it's been going on for at least 6 months.

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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX taken out fraudulently. Called immediately when realized. A claim was submitted. Funds not reimbursed during claim review. Left without funds over weekend. Called Monday morning and asked to expedite investigation as I have no funds in my account. They stated they couldnt help me and I would have to wait u til investigation is over.

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 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Company attempting to collect zombie debt that has dropped off of report. Company has called repeatedly every day, is calling my husband, my mother and possibly more family members. Company leaves no voicemails. This debt is over 7 years old and is no longer on my report, yet the phone calls have only increased in the months leading up to 7 years. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Unsolicited telephone call from XXXX claimed to be from Chase credit cards offered to lower my interest rate. I asked them for information and they transferred my telephone call. I suspected this to be an attempt to defraud me, so I decided to play along. The transferred caller was not able to provide my current Chase interest rate, so they hung up the telephone when I asked them how come they did not know what my interest rate was. I strongly suspect that they were attempting to scam call recipient into providing personal banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally dispute fraudulent accounts and inquiries that have been reported on my credit file. As a victim of identity theft resulting from a data breach, I request the immediate blocking and deletion of all accounts and inquiries listed below, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$950.00} XXXX. XXXX XXXX - Account # : XXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX XXXX  - Account # : XXXX - XX/XX/XXXX - {$4800.00} XXXXXXXX XXXX XXXX - Multiple accounts from XX/XX/XXXX to XX/XX/XXXX totaling {$2300.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX  XXXX - Account # : XXXX - XX/XX/XXXX - {$2000.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$2300.00} XXXX. XXXX XXXX  - Multiple accounts from XX/XX/XXXX to XX/XX/XXXX totaling {$1900.00} XXXX. XXXX XXXX - Multiple accounts from XX/XX/XXXX to XX/XX/XXXX totaling {$3600.00} XXXX. XXXX XXXX - Account # : XXXX - XX/XX/XXXX - {$950.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$4200.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$240.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - Account # : XXXX - XX/XX/XXXX - {$930.00} XXXX. XXXX - Multiple accounts from XX/XX/XXXX XXXX  XX/XX/XXXX totaling {$650.00} Fraudulent Inquiries XXXX. XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX- XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation