vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXX XXXX XXXX Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXX XXXX XXXX  Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



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 2024-02-20 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This goes against the Consumer Protection Law states 15 U.S. Code 1692d - Harassment or abuse. It is XX/XX/2024 and this company is still emailing in regards to this debt. This debt has been charged off. 

This debt has been written off. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. An 1099-C has not been administered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I made a transaction XX/XX/2024. The company I made the transaction with canceled the order. They explained I would receive a full refund in 3 days, to the card I made the purchase with. I called my bank ( BMO ) on Friday XX/XX/2024 due to the funds not being released. They are now insisting that I go to their banking branch to be issued a refund to my card. Today is XX/XX/2024, and there is no resolve. They are still telling my to go to a branch.

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 2024-02-20 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: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Chrysalis Holdings LLC
State: FL

Complaint narrative:
I made a full principal and interest payment on time but did not make any escrow additions since I already just paid XXXX out of pocket for a years insurance partially because they mishandled my escrow account. These are the people that hung up on me while violating my constitutional rights therefore not getting my account straightened out when I tried to speak with them. I tried to call them today and think I got the man that hung up on me before. He is a condescending pompous incompetent and threatened to hang up again saying I called him stupid, which I did not.They recorded the call and so did I. I sent them a couple XXXX for escrow so they have no reason to report to the bureau, that is on top of the XXXX I sent on XXXX. Please give me some assistance in dealing with these peopleASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
No knowledge of account and was not aware how to dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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 submitted a written letter to the three major credit bureaus to update the correct spelling of my name, my current address and employer my social security number and date of birth while requesting the removal of previous incorrect information. I mailed that letter on XX/XX/2024. 
Equifax, XXXX and XXXX denied my written request in a letter response to me sent via mail to my current address. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character,
and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's unacceptable to see this late payment on my account, as I've always made payments on time. Please remove it and update my account accordingly.

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 2024-02-20 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc.
State: VA

Complaint narrative:
There is a collection on my credit report from Coast-to-Coast Financial Services . I sent a Debt Validation Letter priority mail on XX/XX/2024. The letter was received on XX/XX/2024. To date, I have not received any proof that I owe this debt, that this debt is valid or any other information requested via the Debt Validation Letter. Furthermore, despite not validating the debt or responding to my request, the company updated the collection on my credit report on XX/XX/2024. This is in direct violation of the FDCPA.

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 2024-02-20 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: PA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: PA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2024-02-20 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-20 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: CO

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
I checked my credit report because I am applying for an apartment and I saw the collection from XXXX on my report I called XXXX and was told to make a FTC 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 2024-02-20 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: IL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. Code 1679c, as said, I have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly The credit bureau must remove inaccurate negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

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 2024-02-20 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Hello, I recently used my AMEX Everyday Visa card for 2 rentals in the month of XXXX. AMEX charged me {$24.00} per rental for premium insurance which I did not recall signing up for. When I called AMEX to report these charges they said I signed up for it in XXXX which if it was true was done deceptively. 
I made two calls to AMEX 1 ) On XX/XX/XXXX to notify AMEX about the charges. The agent said she will create a ticket and refund the amount within a week and I will receive a letter. 
When I didn't see the amount refunded and neither a letter I called back on XX/XX/XXXX and spoke to a supervisor by the name of XXXX who mentioned that AMEX will not be refunding this amount since the rentals were consumed. 
This is a gross unethical practice by AMEX by using a deceptive method to get customers to sign up for premium insurance 12 years ago and then not notifying them. I have requested copy of the confirmation of my signup from XXXX but haven't received one after multiple calls. 
I would really appreciate if CFPB could look into these practices by AMEX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 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: U.S. BANCORP
State: WI

Complaint narrative:
Discrepancies exist between awards accounting in the mobile app compared to the online system. The mobile app shows returns as a negative number. Online shows returns as a positive number yet the result in both systems is the same. It appears from the conversations I had with the bank that they don't care ( quoted from customer service rep ) that the mobile app acoounting is incorrect. I find it unacceptable that a bank does not care if accounting is incorrect.

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 2024-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I claimed bankruptcy in XXXX of XXXX. In the bankruptcy was a private school loan from National City Bank, ( XXXX XXXX ) now PNC. Now my wages are being garnished at 25 % each paycheck. Loan amount at the time was {$10000.00} This loan was taken out in XXXX. I know I used funds for schooling and to pay bills because I wasnt working full time during school. I was advised by my attorney file a complaint with your organization in regards to this matter. Now XXXX, trying to garnish my wages. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CreditNinja Lending, LLC
State: IN

Complaint narrative:
The orginal company Credit Ninja offered me an unreasonable, preditoary, and manipulative loan knowing I would not be able to pay it off, they sold the loan to XXXX XXXX  reasearch and then to the current debt owner XXXX XXXX XXXX XXXX. I believe they are all participating in loan sharking.

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 2024-02-20 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: CA

Complaint narrative:
I am submitting to address the matter of the alleged debt associated with my items. After careful examination, I have become aware that this debt has been re-aged, a practice that is both unethical and in violation of consumer protection laws. Consequently, I demand the immediate deletion of all records pertaining to this re-aged debt. 
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