vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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: TX

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have requested XXXX different times verbal and through written to provide proof of statement records of all payments made, and missed since I opened the account along with identity along with the contract with the debt collector for any of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I checked my credit report and saw inquiries i didn't authorized. i have never give my personal information to these creditors. I dispute these inquiries. I did not authorize them.

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 2024-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX, XXXX, i made a payment to my credit card with CapitalOne. 
Typically the payment will update the available balance to reflect the payment made. 
That day it did not, i called the company to ask why, they said that they were holding until the payment transaction processed, typically XXXX hours. on XX/XX/XXXX, my account was debited for the payment i made {$220.00} ), i waited a couple of days and called them to see why the payment had not been applied. They informed me today the that account was on hold until XX/XX/XXXX ( 26 days ). They acknowledge the payment, that the funds were received. The claim that this happens at random and that they have the right to do this according to the customer agreement. She confirmed that i have not made a late payment in years, they confirmed that the payment was not out of the typical modality. 
yet they can not be specific as to why it is being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: DE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and dissatisfaction with Experian 's unacceptable delay in responding to my recent dispute regarding fraudulent credit reporting by XXXX XXXX. The evidence I have provided overwhelmingly proves that XXXX XXXX is committing fraud through unfair reporting practices. Despite this clear and indisputable evidence, Experian has failed to resolve my dispute promptly, causing me significant harm each day this erroneous account remains on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting, and Experian 's prolonged review process is a blatant violation of my rights. The adverse effects of this fraudulent account on my credit report are profound, impacting my ability to secure loans, obtain housing, and even affecting my employment prospects. This is fraud at the highest level, and the unnecessary delay in rectifying this matter is exacerbating the damage to my financial standing and overall well-being. 

I demand immediate action from Experian to resolve this dispute. It is evident that XXXX XXXX is engaging in fraudulent activities, and there is no need for an extended review period to come to this conclusion. The delay in correcting this misinformation is causing undue stress and financial hardship, and it is imperative that this matter is addressed with the urgency it warrants. 

As the Consumer Financial Protection Bureau, it is your duty to ensure that credit reporting agencies adhere to the principles of the FCRA and protect consumers from fraudulent and unfair practices. I urge you to intervene and compel Experian to expedite the resolution of my dispute with XXXX XXXX. I can not afford to wait any longer while my creditworthiness continues to be unjustly tarnished. 

Please acknowledge receipt of this letter and inform me of the actions you will take to address this matter promptly. I expect a swift resolution to this dispute, and I am prepared to escalate this issue further if necessary to ensure my rights are upheld. 

Thank you for your immediate attention to this urgent matter.

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sterling Infosystems Inc.

Complaint narrative:
They are so bad in this and is not only 1 I got trough this experience I wish I never had ... apparently there are people which are not competent to complete a background check with all my possible id I got including passport, driving license, national id front and back, immigration status and all that etc... very unprofessional and there is no one to discuss the actual problem because they won't connect you with anyone no less then 48H..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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 BLOCK AND REMOVE I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-06-21 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:
PLEASE BLOCK AND REMOVE I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-06-21 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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:
There are unauthorized inquiries on my consumer report. According to the FCRA ( Fair Credit Reporting Act ), these unverified and unauthorized items must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: CA

Complaint narrative:
I am a federally protected consumer and I am aware of my rights laid out by the FCRA in 15 USC 1681. Additionally, Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies within consumer files. 
Please re-investigate the below accounts validity within my consumer report that you maintain under my name. Please update these accounts to reflect complete and verified information. 
ACCOUNT : XXXX XXXX XXXX These Laws Clearly state : Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall XXXX XXXX ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Standards established in the credit industry help ensure integrity of data and uniform communication between ALL credit-reporting agencies.

I have attached the erroneous account ( s ) in question. This account needs to be updated to PAID AS AGREED IMMEDIATELY AS I WAS NEVER LATE FOR THIS ACCOUNT. XXXX even has this information correct, as it reads PAID AS AGREED for XXXX of XXXX  on their consumer report. Failure to do so may constitute willful non-compliance in this matter.

I have experienced great emotional and financial hardship over this illegitimate late payment as it has inhibited my opportunity to refinance one of my mortgages amongst other things. 

Please complete this erroneous, inaccurate information on my credit report to PAID ON TIME NEVER LATE within 30 days of your receipt of this notice of dispute if this information can not be verified through your thoughtful and fair re-investigation. Please send me your results and update my consumer report accordingly. 

Thank you for your rapid response in this very important matter, 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 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Context : I applied for XXXX XXXX XXXX XXXX Credit card with the clear and express intent of getting the XXXX points ( or XXXX free nights ) as advertised ( please see attached, ad from Chase 's website, also something that I can see on my Bonvoy App ). Before I applied, I checked the fine print i.e., offer details ( please see attached ) that I am eligible for the offer and I am. 

Issue : However, after I was approved the Card, Chase only approved me for XXXX points despite me meeting all the criteria for XXXX points. Inspite of my best efforts to talk to front agents, supervisors, escalation specialists, Chase has been UNHELPFUL and extraordinarily poor customer service. 

What have I done so far? : I called their customer service, spent XXXX hours, over 2 days talking to supervisors and escalation specialists who have all been unhelpful. The escalation specialist was incredibly rude and hung up after putting me on hold for over XXXX mins. What is confounding is that, each one offers a different explanation, depending on who answers the phone. First I was told it was a " glitch '', then another blamed it on marketing, and yet another said Chase has discretion to do what ever it wants, even after I mentioned this is deceptive marketing. The rude escalation specialist suggested I close the account even after I said, this is not what I want to do, just a HORRIBLE customer experience and UNFAIR, DECEPTIVE marketing practices preying on unsuspecting customers, with possible UDAAP violations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: NJ

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
My loan was sold from my current mortgage holder to Mr Cooper mortgage company. I understand this is not uncommon and I understand that for the first 60 days federal law prohibits them from charging me any late fees or fines during the transitional period. I received a letter saying that I did not need to take any further action and that my automatic withdrawal would continue at Mr Cooper. During an unrelated issue I was told that after 3 months ( 1 month past the Federal limit ) I would need to reach out to Mr Cooper and reset up my automatic payment withdrawal otherwise I could be charged for non-payment or late payment. If I had not been speaking to them about another unrelated issue there would have been no documentation to inform me of this. They promised me it was listed on my welcome letter and that I should go look at it. While on the phone I found the welcome letter and nowhere does it say that. It seems very predatory to me that they would allow the grace period to expire before canceling automatic payments. I can think of no logical reason that they wouldn't do it on the second month so that the transfer would still be new people wouldn't be lulled into a sense of security. At that time if something did happen it wouldn't negatively affect borrowers lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: TX

Complaint narrative:
I did not authorized this inquiry. 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
In recent inquiries with USBank, I was denied the rights to have last name or operator ID number or even a reference or a claim number to follow up on my compliant. 

Also, you can't file a compliant in writing, nor you can call and file a complaint with their executive office. They are very talented in routing your call, without advance notice, back to the main XXXX XXXX number. I called on XX/XX/XXXX for info. regarding one of my monthly withdrawal, was very unhappy about what I heard and wanted to confirm info. I asked to speak with supervisor and was denied & as a result, asked to file a complaint and was told that my complaint was escalated to XXXX. XXXX REFUSED to provide me with hers or XXXX phone number, last names, operator ID or complaint reference ID. Regardless of the nature of the issue, a bank only provides verbal info. nothing in writing as they claimed. Also, their notes are written and viewed only by them, and the client is held liable for these notes even though he/she unable to validate or view them. On XX/XX/XXXX, I spoke with XXXX and XXXX who both rotated me to the main number ( check the calls ). I wasted more than 1.5 hrs to be heard. Online has created a one-way communication, they are in control of redirecting your call at any time without advance notice or justification for their action. They say what ever, do what ever, and the client pays the price. For example : once I said that I am filing a formal complaint with the gov. XXXX on from USbank decided to release Operator ID : XXXX after she claimed that she didn't have any.. Why the others refused to give any reference information. This bank customer services need to be investigated. A class action lawsuit is warranted. Help us.

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 2024-06-21 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: GA

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-06-21 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: GA

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I called into Onemain Financial XXXX XXXX XXXX, Nevada days before my loan payment was due to change the payment date and to have the add-on XXXX insurance remove. The loan is due on the XXXX of the month the change would have been made to the XXXX of the month. I was sent an confirmation email agreement for the change to the XXXX and text messages. I was also told the XXXX insurance could not be remove even though it was voluntary. The payment was taken out on the XXXX the wrong date. I called the company and told them what happened and was told it was their mistake, but there was nothing they could do. They're sorry for the mistake. I needed to contact my bank to resolve the problem. This has over drawn my account by {$310.00} plus per day {$35.00} fees for four days. I need help I don't know what to do about this company.

Company response to consumer: Closed with non-monetary relief