vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I had a targeted offer in my American Express Blue Cash account for XXXX XXXX. I believe I made a purchase twice for a subscription that was billed at {$13.00} each. It's been over 90 days, and I still haven't received both my credits, which were supposed to be {$7.00} each. I've tried calling American Express, and they escalated my concerns to the offer department and rejected my claim because they are stating the purchase was made from XXXX and not directly through XXXX. The terms mentioned the purchases could be made from either the website or the XXXX application. Both purchases were made using the application on my phone. It's wrong for them to offer a promotion and not give me the credits. It's also not my fault that the application decided to bill directly from XXXX XXXX instead of directly to XXXX. If you make the purchases on the application, there's no way to change how the billing happens for subscriptions. The only way to setup subscriptins on a XXXX phone is through the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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 against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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 2024-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There has been an identity theft on my Transunion credit report as someone tried to apply for a credit card with the banking institution named XXXX XXXX on XX/XX/year> using my name, SSN and other details without my consent or knowledge

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 2024-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Fundo LLC
State: TX

Complaint narrative:
My payment is scheduled for a specific day, and at several occasions the payment was taken before the date it was scheduled for!

This is not acceptable at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I purchased items in XXXX from XXXX that were returned in XXXX. I took said items to UPS ( receipt attached ) so I could receive a refund from XXXX. 

I received text messages stating my items had been received and I would receive my refunds. Photo of the three text messages on XXXX showing that I would receive a refund, even though it was for less than what I paid. ( The XXXX XXXX XXXX XXXX XXXX XXXX is what this is about ) Then I received a notice from XXXX that I was going to be charged again for not returning my order. I got on chat via their app to get this squared away to no avail, and shame on me as I apparently lost my screenshots showing that I was informed that the issue with the return was on end, and I would not be charged.

I was charged.

I filed a chargeback via CapitalOne app, see
attached letter from CaptialOne acknowledging my chargeback.

I received an email on the XXXX letting me know that I had received a letter from CapitalOne. I signed into their site only to see that the letter stated that since I did not respond to their prior request for information, my dispute was closed. I never received any emails letting me know that I had letters from CapitalOne. Mind you I can see the letters in my folder on their app, but I was not notified!

Today, I have now spent over two hours trying to get this reopened by CapitalOne to no avail. Between their inept, XXXX speaking agents hanging up on me when I get fed-up and ask for a supervisor, or even better, JUST TRANSFER ME TO DISPUTES! BUT NO! I said I would be filing this complaint to the final
one since he refused to transfer me, only to be informed that I was NOW being transferred since I made a threat to complain to the CFPB & FDIC, only to be transferred to his supervisor, who was also no help!!

I hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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 non-monetary relief
Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
There are two bankruptcies being reported on my credit file listed below : XXXX XXXX bankruptcy : REFERENCE NUMBERXXXX XX/XX/XXXX XXXX  XXXX bankruptcy : REFERENCE NUMBER:XXXX  XXXX XXXX, XXXX When I reached out to the courts I was told they do not report to the credit bureaus.

The credit bureaus also stated they do not participate in the investigation of the disputes but fail to explain who does. Who is the source because the bankruptcy court isn't reporting these records.

Rule 9037 Protecting Privacy for Filings the credit bureaus have failed to protect my privacy.

Additionally, the Bankruptcy Court does not report, furnish, and/or transmit bankruptcy Court records or other information to the credit reporting agencies.

The bankruptcy court, for cause, may protect an individual, with respect to the following types of information to the extent the court finds that disclosure of such information would create undue risk of identity theft or other unlawful injury to the individual or the individuals property.

The credit reporting agencies independently obtain Bankruptcy case information.

RULE 9037 is a law in place to protect privacy filings to the public the purpose of credit reporting is for creditors to REPORT NOT THE CREDIT BUREAUS.

The credit bureaus are violating my privacy rights also being that I am a victim of identity theft they are putting me at risk.

I did not request the bureaus to report, furnish, and/or transmit bankruptcy court records or any third party information on my credit file. These bankruptcies are not being reported or validated by the courts.

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 2024-12-07 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: CA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I took a tricycle taxi from XXXX XXXX XXXX to XXXX XXXX. The agreed-upon fare was {$20.00}, as confirmed on the XXXX card reader when I swiped my CitiBank credit card. However, my account was later charged {$310.00}, a significant overcharge. This transaction does not reflect the agreed-upon amount or the service provided. 
I immediately disputed this charge with CitiBank, providing all relevant details, including the agreed fare, transaction method, and the discrepancy in the posted charge. Despite this, CitiBank declined to reverse the overcharge or provide any resolution as of XX/XX/year>. 
This unauthorized transaction not only caused financial harm but also raised concerns about the bank 's lack of protection for its customers against fraudulent or unethical practices. I feel unsupported and disappointed by CitiBank 's handling of this dispute.

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 2024-12-07 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: MS

Complaint narrative:
I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE XXXX XXXX XXXX XXXX MS 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 explanation
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Army and Air Force Exchange Service
State: IA

Complaint narrative:
I was notified that my account was going to close due to inactivity. I immediately requested a new card on XX/XX/year> since the card I currently had was expired. The company did not send me tracking information or a new card. Without further notice from ECP the Military Star Card account was closed of XX/XX/year>. I was only made aware because of my credit monitoring services on XX/XX/year>. I called the company on XX/XX/year> and requested my account to be reopened. The rep declined, transferred me to a supervisor without my consent, and the supervisor declined the same request before hanging up on me. The 16 minute phone call was 11 minutes of holding and a 2 minute survey. The entire conversation with ECP lasted approx 3 minutes.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NJ

Complaint narrative:
Ed financial refuses to update my credit report across the 3 agencies. I provided several bank records showing my payments were never late and they refuse to accept them. Its unethical and I want my account updated. I want the late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Mortgage — FHA 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Back in XXXX we had a disaster, hurricane Beryl and I requested a forbearance as we were without power for 2 weeks and I work from home. I needed the forbearance to reflect on the account so I wouldn't be reported to the credit bureau. Initially I filed for forbearance and the rep filed for loan modification which i refused. She told me that she had to cancel it and resubmit it. Well it has not been applied, now it's showing my mortgage is behind XXXX and I can not make payments online. I can not reach anyone to try and solve this issue and now I have a foreclosure notice. They also made a late payment to my insurance and my policy was canceled. I've emailed them and no one has reached back. I get calls to contact the mortgage and then they disconnect, and when I do reach out to them, no one is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
It was disputed multiple times and they refuse to validate the information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX reduced my credit limit from XXXX to XXXX while my credit balance was already XXXX. That made it look like I was over my credit limit by XXXX. That made my credit worthiness look very bad. Before they reduced my credit limit I was never late infact I always paid a week or 3 days before the due date and always more than the minimum payment. Then on my bill they were stating that the minimum payment due was XXXX for the month. I wrote several letters and nothing was ever done noone wrote or called me back. And during the times that I was waiting for someone to help me with this situation I was getting several 30 days behind. I did not have XXXX dollars to pay for a monthly payment. I finally spoke to someone at about XXXX XXXX XXXXXXXX morning and she told me that my payments will be only {$160.00} each month and that is what I have paid for 1 yr and a 1/2. And she said she would send the situation up to a management team to state the conversation as well and nothing changed. Still never late. This is impacting my credit in a really big way. It shows that my monthly bills are much higher than they are. It has dampened and darkened many things that I could do with my life and my home it causes denial each time. I have disputed with all credit bureaus as well. I am very distraught.

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 2024-12-07 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: IL

Complaint narrative:
XXXX reduced my credit limit from XXXX to XXXX while my credit balance was already XXXX. That made it look like I was over my credit limit by XXXX. That made my credit worthiness look very bad. Before they reduced my credit limit I was never late infact I always paid a week or 3 days before the due date and always more than the minimum payment. Then on my bill they were stating that the minimum payment due was XXXX for the month. I wrote several letters and nothing was ever done noone wrote or called me back. And during the times that I was waiting for someone to help me with this situation I was getting several 30 days behind. I did not have XXXX dollars to pay for a monthly payment. I finally spoke to someone at about XXXX XXXX XXXXXXXX morning and she told me that my payments will be only {$160.00} each month and that is what I have paid for 1 yr and a 1/2. And she said she would send the situation up to a management team to state the conversation as well and nothing changed. Still never late. This is impacting my credit in a really big way. It shows that my monthly bills are much higher than they are. It has dampened and darkened many things that I could do with my life and my home it causes denial each time. I have disputed with all credit bureaus as well. I am very distraught.

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