vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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: U.S. BANCORP
State: CA

Complaint narrative:
I have an XXXX Credit Card, it used to be issued by US Bank, but was switched over to XXXX XXXX. 

On XX/XX/XXXX, I made a payment to pay off the balance I had of {$130.00} on the credit card. It did go through but then unfortunately on XX/XX/XXXX, this payment was returned. My account with US Bank was shut down shortly after, so I did not know that this payment was returned, nor was I informed of this. 

When I finally received my XXXX XXXX card on XX/XX/XXXX, and was able to activate it and log in, they showed me as having a late payment for the {$130.00}, and also some accrued late payment fees. At no point during this time did US Bank or XXXX XXXX reach out to me to let me know I had an outstanding balance, so I believed my account to be in good standing. I also could not log into either bank during this transition, so I had no reason to believe any of this was going on. 

I paid off the amount, and also explained the situation to XXXX XXXX, and got the late fees removed. 

Unfortunately, XXXX XXXX also submitted a late payment to my credit report. This dropped my score by nearly 100 points. 

Since then I have dealt with customer service for credit disputes at both banks ( US Bank, who claims they can no longer look up my account number or any of my info with them, and XXXX XXXX, who claims the late payment is valid as they inherited the card with the outstanding amount on it ). 

I disputed this with the credit bureaus with no luck and was told I needed to take it up with XXXX XXXXXXXX. 

I submitted a written dispute to XXXX  XXXX on XX/XX/XXXX. I submitted a 2nd written dispute to XXXX XXXX on XX/XX/XXXX. I then submitted a written dispute to US Bank XX/XX/XXXX. All of these came back denied. US Bank still will not provide me my account number or any information about this incident. 

I started a dispute with the credit dispute company XXXX XXXX in XXXX of XXXX. They have submitted XXXX disputes with the credit bureaus that both were unsuccessful. 

I still believe this to be an error that was not my fault. 

I believe US Bank originally Made the error by not accepting the payment provided ( and not notifying me of this ). XXXX XXXX then inherited a card with an outstanding amount and made the report to the credit Bureaus.

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 2023-11-27 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: CA

Complaint narrative:
I have an XXXXXXXX XXXX XXXX it used to be issued by XXXX XXXX, but was switched over to XXXX  XXXX. 

On XX/XX/XXXX, I made a payment to pay off the balance I had of {$130.00} on the credit card. It did go through but then unfortunately on XX/XX/XXXX, this payment was returned. My account with XXXX XXXX  was shut down shortly after, so I did not know that this payment was returned, nor was I informed of this. 

When I finally received my XXXX XXXX card on XX/XX/XXXX, and was able to activate it and log in, they showed me as having a late payment for the {$130.00}, and also some accrued late payment fees. At no point during this time did XXXX XXXX  or XXXX XXXX reach out to me to let me know I had an outstanding balance, so I believed my account to be in good standing. I also could not log into either bank during this transition, so I had no reason to believe any of this was going on. 

I paid off the amount, and also explained the situation to XXXX XXXX, and got the late fees removed. 

Unfortunately, XXXX XXXX also submitted a late payment to my credit report. This dropped my score by nearly XXXX points. 

Since then I have dealt with customer service for credit disputes at both banks ( XXXX XXXX, who claims they can no longer look up my account number or any of my info with them, and XXXX XXXX, who claims the late payment is valid as they inherited the card with the outstanding amount on it ). 

I disputed this with the credit bureaus with no luck and was told I needed to take it up with XXXX XXXX 

I submitted a written dispute to XXXX  XXXX on XX/XX/XXXX. I submitted a XXXX written dispute to XXXX XXXX on XX/XX/XXXX. I then submitted a written dispute to XXXX XXXX  XX/XX/XXXX. All of these came back denied. XXXX XXXX  still will not provide me my account number or any information about this incident. 

I started a dispute with the credit dispute company XXXX XXXX in XXXX of XXXX. They have submitted 2 disputes with the credit bureaus that both were unsuccessful. 

I still believe this to be an error that was not my fault. 

I believe XXXX XXXX  originally Made the error by not accepting the payment provided ( and not notifying me of this ). XXXX  XXXX then inherited a card with an outstanding amount and made the report to the credit Bureaus.

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 2023-11-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an XXXX Credit Card, it used to be issued by XXXX XXXX, but was switched over to XXXX  XXXX. 

On XX/XX/XXXX, I made a payment to pay off the balance I had of {$130.00} on the credit card. It did go through but then unfortunately on XX/XX/XXXX, this payment was returned. My account with XXXX XXXX  was shut down shortly after, so I did not know that this payment was returned, nor was I informed of this. 

When I finally received my XXXX XXXX card on XX/XX/XXXX, and was able to activate it and log in, they showed me as having a late payment for the {$130.00}, and also some accrued late payment fees. At no point during this time did XXXX XXXX XXXX XXXX  XXXX reach out to me to let me know I had an outstanding balance, so I believed my account to be in good standing. I also could not log into either bank during this transition, so I had no reason to believe any of this was going on. 

I paid off the amount, and also explained the situation to XXXX XXXX, and got the late fees removed. 

Unfortunately, XXXX XXXX also submitted a late payment to my credit report. This dropped my score by nearly XXXX points. 

Since then I have dealt with customer service for credit disputes at both banks ( XXXX XXXX, who claims they can no longer look up my account number or any of my info with them, and XXXX XXXX, who claims the late payment is valid as they inherited the card with the outstanding amount on it ). 

I disputed this with the credit bureaus with no luck and was told I needed to take it up with XXXX  XXXX. 

I submitted a written dispute to XXXX  XXXX on XX/XX/XXXX. I submitted a XXXX written dispute to XXXX XXXX on XX/XX/XXXX. I then submitted a written dispute to XXXX XXXX  XX/XX/XXXX. All of these came back denied. XXXX XXXX  still will not provide me my account number or any information about this incident. 

I started a dispute with the credit dispute company XXXX XXXX in XXXX of XXXX. They have submitted XXXX disputes with the credit bureaus that both were unsuccessful. 

I still believe this to be an error that was not my fault. 

I believe XXXX XXXX  originally Made the error by not accepting the payment provided ( and not notifying me of this ). XXXX  XXXX then inherited a card with an outstanding amount and made the report to the credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023 my mom sent me a wire transfer for XXXX. She went inside XXXX XXXX and sent the wire directly with the manager and both their signatures. The wire was successfully send and was deposited into my chase bank. I manage to withdraw XXXX from my account before chase froze my funds and account. I called in to see what the issue was and chase told me that XXXX recalled the wire transfer and that they had to be sent back. Today is XX/XX/2023 and chase still has my funds totaling XXXX sitting in my account. I went inside my branch chase in XXXX Texas on XXXX and spoke to XXXX who was the Manager at this branch. He helped me call in to the fraud department and they asked me a bunch of questions and also told me to submit documents proving that my mom sent the funds. I did what they had ask and they came back and told me they would send me a check for the total amount of XXXX and I would be expecting it in 5-8 business days. I went back into the branch today because it has been way past the deadline and XXXX told me the wire department wont release my funds and I ask why and he wont give me an answer. His exact response was the fraud unit cleared the check but the wire department denied it, you have to go to XXXX to get your money back. I ask him why would I go to XXXX, when Chase has my money? At this point its been almost 3 months and chase wont give me back my money. Ive already contacted a Banking attorney and will take legal actions against chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX violated title 15 USC1681b on XX/XX/2023. XXXX had no permissible purpose to put a collection on my consumer report. XXXX put JEFFERSON CAPITAL SYSTEMS on my consumer report. I have no contract which JEFFERSON CAPITAL SYSTEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
XX/XX/. This company has called me three times today and I called them back and asked them what type of debt this was or what type of company is this and they wont give me the information without verifying my name in the last four of my social. They called me several times last week and they keep calling me, but they wont tell me what kind of debt they collect. I have paid all of my debts. 

XXXX ( XXXX ) XXXX Citizens

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: CA

Complaint narrative:
on XXXX i filed complaint with CFPB after EXPERIAN refused to update my consumer reports in compliance with 15 USC 1681a. On XX/XX/ EXPERIAN updated the accounts by furnishing more congressionally declared EXCLUDED information ; information solely as to transactions or experiences between the consumer and the person making the report, on my report. Thus failing to conduct a thorough investigation of dispute and in clear violation of the Code of Federal Regulations. There are several infractions on my consumer report that still need to be removed.

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 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: AZ

Complaint narrative:
On XXXX XXXX I attempted to log into MyLoancare via XXXX XXXX XXXX to pay my mortgage. The website was not working. I called in to the customer service number on the same day to inquire as to when I would be able to pay my mortgage. The representative had no information as to what was the cause of the outage or the timeframe as to when it would be operational again. She simply told me to call back next week. I did as she requested and called on XX/XX/, however they were no longer accepting customer service calls at all. I re-attempted to log in to my account and was again unsuccessful. There has been zero communication from either XXXX XXXX XXXX or MyLoancare.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings
State: IL

Complaint narrative:
On XX/XX/, I contacted the agency. When speaking to a representative, I made a simple request to remove comments from the account. The representative stated to me that in order for the comments to be removed, I needed to pay the account in full. 

This is a violation of FCRA! 

I am no longer disputing the account and have not disputed this account for a while. I was simply asking for the comments to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: TN

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: UT

Complaint narrative:
XXXXXXXX XXXX XXXX  and other companies keep calling me to pay a debt for XXXX XXXX They keep calling me and other people that are not even associated with me trying to collect a debt that was paid off years prior to any calls. 
This number is a very unprofessional and and lie to people very shady XXXX ( XXXX ) XXXX look up on XXXX and they are a fake company comes up stillman law office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Starting on XX/XX/2023, to present I have not been able to log into my credit card account with Barclaycardus. I've gone through the verification process several times, then changed my password as instructed but the new password never works. I called three times to get customer support to help with no avail or resolution. The call center is outsourced to the XXXX making communication difficult here in the United States. When I explain the situation, they have me repeat the verification process that I tried on my own and the same problem happens with no resolution on their end. There is currently no way I can monitor my account when I can't log into it. Whenever I change my password, it says that I have successfully changed it. Then, below that message it states. " OPPS! sorry for the inconvenience but your request could not be processed, please try again ''. Obviously, the problem is an IT issue, and they don't know how to correct it or resolve my problem. When you speak with one person, they then hand you over to someone else to speak to with the same result.

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 2023-11-27 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 filing a formal complaint against TransUnion for failure to investigate and address my disputes concerning my credit report, thereby violating the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I mailed a dispute letter via USPS certified mail with tracking number XXXX, which was confirmed delivered on XX/XX/2023. Per the FCRA guidelines, TransUnion had until XX/XX/2023, to respond to my dispute. However, on XX/XX/2023, I received a response from TransUnion stating they believed the dispute did not originate from me or was initiated by an unauthorized third party, hence they refused to investigate the matter. 

Subsequently, I made numerous attempts to resolve the issues with TransUnion by submitting additional disputes on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. Unfortunately, the response I received on XX/XX/2023, mirrored the initial denial. TransUnion once again claimed they believed the dispute was not initiated by me or authorized by me, neglecting their obligation to investigate and address the inaccuracies in my credit report. 

The specific issues I sought to rectify concern an account reported by XXXX XXXX XXXX and a XXXX XXXX bankruptcy entry. TransUnion 's refusal to investigate these matters is not only a violation of my rights but a blatant disregard for their legal obligations under the 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 non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
couple weeks ago i get copy of my credit report and i noticed severals accounts that are listed on my report that never applied for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: Freedom Mortgage Company
State: PA

Complaint narrative:
accordance with the fair credit reporting act, this creditor, XXXX has violated my rights. Under 15 USC 1681 Section 602 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. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose

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