vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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: NJ

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-06-26 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:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: IL

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require 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 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
This concerns American Express Gift cards. I have 2 of the cards that have been mostly useless because they are denied at almost all online merchants including XXXX. I have 6 instances where the cards have been declined. They are refused at merchants that honor the American Express card but not the gift cards. I also know this is a very common issue with these cards with no effort from AmEx to resolve the issue. I have asked for a refund from AmEx for the balance that is on these two gift cards. AmEx refused to provide a refund. Doing online searches about the issue shows this is a very common issue to thousands of consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-26 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: AZ

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: AL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-06-26 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: AL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-06-26 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I started getting emails from Moneylion saying I had a payment due. I researched the company and called the number. They would give me information because I wouldn't verify my information with them. I asked them to send it to me in writing and proof I took a loan out. I've never heard of this company before. I never received no information from them showing it was me who took out a loan. I've disputed with all 3 credit bureau and not 1 can validate this to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On the afternoon of XX/XX/year>2024, I received an email from Chase saying that my bank account was closed. I contacted the staff by phone within the hour. The staff stated that my account could not be unlocked. I could only wait 10 business days for a review, after which the money in the account would be sent back to me in the form of a check. I checked the mailing address with two staff members that day. I asked why my account was locked and they could not give me a reasonable explanation. 

On XXXX XXXX, 2024, I received an email showing that I had a XXXX balance in my account, which meant that my money had been withdrawn. 

On the afternoon of XX/XX/scrub>XXXX XXXX, 2024, I called again to ask when I would receive my check. The staff indicated that the check had been mailed on XX/XX/XXXX and suggested that I wait another ten business days. 

On the afternoon of XX/XX/scrub>XXXX XXXX, 2024, I called to inquire about the location of the check and was told by the staff that it would arrive on XX/XX/XXXX. However, the next day I still had not received the check. I called again to inquire and the staff member said that the mailing address probably did not include a door number and that I would need to reapply for the mailing. The application took six business days and the wait time for the check to be mailed was 10 business days.

This meant another long wait for me, even as I couldn't be sure if the incorrect address was actually the cause. Since I went to two staff members to verify my address the same day my account was locked in order to avoid this happening, I don't think it should be possible for this kind of cheap mistake to happen again. Even they were unable to state for what reason my account was locked. I have a right to wonder if Chase Bank is trying to drag this out until I can't ask for a check from them after my XXXX XXXX XXXX in the US has expired. So I am asking for help to recover my property as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is trying to collect debt of {$550.00} that I am unaware of. 

My credit report says the debt originated from ADVANCE AMERICA. I can only assume it's for a loan but I never took out a loan with ADVANCE AMERICA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXXConsumer Financial Protection Bureau XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Subject : Demand to Update PII and Delete Dated Information To Whom It May Concern, I am submitting this formal complaint and demand immediate action to update my Personal Identifiable Information ( PII ) and delete inaccurate information per - TransUnion/Equifax/Experian ] XXXX 

My current information that requires updating is as follows : Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Primary and Only Phone Number : XXXX Email : XXXX Address : XXXXXX/XX/XXXXXXXX Employer Name : Empowered Talks and Stocks I demand that the following outdated information be promptly deleted : Despite repeated attempts my PII has not been updated, jeopardizing my privacy and potentially affecting my ability to receive crucial communications. 

I insist that you conduct an immediate investigation into this matter and ensure that my PII is updated accurately. Additionally, I request confirmation in writing once these updates and deletions have been completed. 

Failure to address this demand within a reasonable timeframe will compel me to pursue all available remedies under the law. 

Enclosed are copies of relevant documents supporting my current information. 

Thank you for your urgent attention to this matter. I expect prompt resolution and confirmation of action taken. 

Sincerely, 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
Consumer complaint received 2024-06-26 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 am writing to urgently follow up on my previous complaints regarding inaccurate and unauthorized negative accounts on my credit report. Despite my repeated requests for their removal, these items remain unresolved. This situation is unacceptable and reflects poorly on your agency 's compliance with legal obligations under the Fair Credit Reporting Act ( FCRA ).

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 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
My mortgage is held with Village Capital and Investment. In XX/XX/2023, I missed my monthly payment. At that time, I did not know about suspension accounts or partial payments. The next couple of months passed, and I continued my monthly payments, in XXXX, I made what I thought was a double payment to bring my account current. Unfortunately, I was {$100.00} short of completely making the missed payment. 

When I noticed that the missed payment was still following me, I telephoned the company. I was not informed at this time of partial payments or suspension accounts. Had I been, I would've found the necessary money to bring the account current even if it meant not eating. Instead, I was asked how long I needed to bring the account current, and not understanding the situation at all, I said two months, that I would pay half the next month and half the following. We agreed to this. 

This missing payment has continued to follow me. It has also been reported to the credit bureaus, and I am reported as three months delinquent. Further, my loan is now in default status, despite my having been so close to being caught up and not having been informed about the status of my payment postings. At this time, I am told I am three payments behind, although I can not understand how this is possible. I telephoned again today and requested a balance sheet to be able to understand where my payments were being posted and when, but this request was immediately denied. I was told that I could the transaction history, which I already had as it's available through my online portal and doesn't contain any information about balances carried forward or where postings are made, only when an actual payment is posted for a given month. 

I have been faithful at making payments and also at trying to clear this single missed payment. To find myself in default because I was not educated about the payments not posting to my balance is disingenuous of this company at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have CD with WellsFargo, which matured on Saturday, XX/XX/scrub>XXXX XXXX, 2024. I called their customer service ( XXXX ) around XXXX to request closure of account. My call lasted around 36 minutes and at the end of the call I was told that account will be closed in 2 business days and money will be transferred to my checking account. Reference number for the call provided to me was XXXX. 

I checked my account on Wednesday, XXXX XXXX, 2024 and noticed that CD was renewed for 3 months. So, I called again ( XXXX ) on Wednesday evening around XXXX XXXX. This time the customer support ( XXXX ) told me that I can not close CD account over the phone. I have to walk into the bank branch to close CD account. She apologized for the incorrect information provided to me on Saturday. When I asked for my options to file a complaint, she transferred me to customer advocacy department. XXXX XXXX in the customer advocacy department helped me. They looked at my account and told me it takes 2 business days to close CD account and transfer money into my checking account. Since my call was on Saturday, technically my request was submitted on Monday. so, the two business days from Monday is Thursday. So, he advised me to wait till Thursday. I insisted to file a complaint. He then offered me to submit request again to close my CD, just in case the first request does not get processes. So, I will have a back up request to close CD. I approved the action. He also filed my complaint and gave me complaint # XXXX. I spend another 54 minutes on call.

In total I spent an hour and half to close my CD account and I am still not sure when they will close my account and give me my money.

I am filing this complain as 1. Their customer service is providing conflicting information and making it difficult to close CD.

2. I believe they have closed and then reopen CD account without my approval.

I have attached a copy of my CD account for 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 explanation
Consumer complaint received 2024-06-26 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have never been related to any account own or authorized to XXXX currently or in the past years, despite having a freeze in the credit bureaus and a red alert for identity theft fraud victim in the past. 
The phone number a email address do not match my current contact, as well as my legal name, mailing address, bank account information and other information used for the purpose of obtaining, collecting and receiving benefits from this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-06-26 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: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One and XXXX XXXX are in violation of several laws in regard to how they are reporting according to my consumer rights under the FCRA. The inaccurate reporting of both my account status and payment status are causing harm to my credit reputation and financial standing. 
The laws that were violated were 15USC1681-A, 15USC1681S-2, AND 15USC1681a2 ( A ) ( i ).

Dates and amounts will reflect in the attached credit report with circles indicating erroneous reporting. 
I have attached an Affidavit of Truth notarized as well to swear in testimony that I am a natural person and I consider these facts to be true and valid. 
I also mailed a copy of the attached documents directly to the CRA 'S and also to the Creditors listed above.

Company response to consumer: Closed with explanation