vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX -associated with XXXX XXXX XXXX for an amount of {$300.00}. This account was once under another creditor and due to lack of information of said account not being mine it was then removed off my credit reports. Now it has re appeared under a new credit agency from the same company XXXX XXXX XXXX and is only showing on XXXX of my reports. At this time this is XXXX  and my credit is being slandered due to this company and information on my credit report. This company was not able to provide any validation so I would like this removed off my credit reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
First and foremost my name is XXXX XXXX and I am an XXXX XXXX XXXX out of California. I've been in many high profiled movies and made many contributions in my field, I am also married to XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. Two weeks ago I was told I would have full access to my account on XX/XX/XXXX and they lied to me and now they're telling me I have to wait another2 weeks. I don't know what shenanigans is going on but I need help The reason for me to explain all my accolades and accomplishments is because I feel I am being taken advantage of by my financial institution and I am afraid I am at risk of getting my account closed and they will steal money from me, I've been in this situation before in XXXX where me and my lawyer XXXX XXXX had to go to court and file a lawsuit against another financial institution because money was stolen out of my account which I won my case. 

Now my problem with my financial institution is I deposited a check for {$50000.00} and hours later they disabled my account due to fraud. Which is highly offensive because all I wanted to do is move money from one bank to another. I was responsible to send a letterhead from my bank to Merrill Lynch to be on the safe side to prove I had the funds available. 

This is the I explained all my accolades because XXXX XXXX XXXX XXXX  and will never commit any fraud, I work hard for what I have and to accuse me of fraud without iota piece of evidence is not right. I just want to get this situation rectified first before I initiate a lawsuit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OH

Complaint narrative:
I have cash app and i got scammed 2 times from 2 different companies and i told them how i can prove it was a scam and they still denied my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I received my Annual PMI Disclosure dated XX/XX/XXXX stating how to have PMI removed. It states I need to submit a request for cancellation and provide evidence of value with my request and where to submit it. 

When I called today XX/XX/XXXX to verify my loan qualifies and to confirm the address where to send it I was told that I have to pay them a {$190.00} fee for this. No where in the paperwork from Pennymac I have discloses any fee. When escalated to management, I was told this was disclosed at settlement and it is a closing fee. 

I told them I bought this property 11 months ago and closing was already completed and this fee to remove my PMI is not disclosed anywhere. Then I was told to go to XXXX XXXX website and its listed there. 

Again this is a fee I never agreed to and was not disclosed to me. I have paperwork from them and it is not on the document with instructions on the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I utilize my card to make a purchase for a resort in XXXX. Once I arrived in XXXX the resort credit offered in my reservation was not honored by the hotel instead a coupon for the hotel was offered. I disputed {$650.00} with Capital One and provided proof of the reservation but no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: NC

Complaint narrative:
As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be greatly 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 non-monetary relief
Consumer complaint received 2024-02-14 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: 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. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: MI

Complaint narrative:
complaint ID # XXXX submitted XX/XX/XXXX. Company responded on ; XX/XX/XXXX " The loan was subsequently charged off on XX/XX/XXXX. Notice of this charge-off was provided via email on that same day. At this time, the loan is held by XXXX 's third party collections partner, XXXX ''. After speaking with a representative on, XX/XX/XXXX information was provided that the company, " XXXX  '' has charged off the account and sold the information to XXXX XXXX, as provided within the CFPB response. XXXX XXXX is not Authorized to do business in the " State of Michigan '' or collect on any debt in Michigan. The company " XXXX '' has charged off the account as indicated in the above, but disregards that a " Charge OFF '' is a " certificate of Indebetness '' therefore it is income and income can not be reported to a consumer report. XXXX has subsequently avoided these acts, knowing all the above and have not reported the accuracy of the accounts being reported to Experian, under ; 15 U.S code 1681. Experian is in violation of several 15 U.S code 1681 and has verified this information being inaccurately reported. Requesting Compensation and removal of income being reported to my consumer report, per 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 explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For a minimum of XXXX years I've been unable to log into myequifax.com to review my Equifax credit report. I enter login credentials correctly, do not use a XXXX, and have no trouble logging into other sites, but XXXX ALWAYS prevents access to my account. 
Spoke with Equifax customer service reps countless times, usually they send me a special link to get into my account, and tell me that fixes things. But every time, I can get in that once, but thereafter XXXX prevents me from logging in again, just as before. Changed passwords many times, sent copious materials by mail to authenticate my identity per Equifax ' request. Done everything Equifax suggested. Nothing has worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 
1. XXXX XXXX Credit Card 2. XXXX XXXX Auto Loan 3. XXXX XXXX XXXX  XXXX Credit Card 4 XXXX XXXX XXXX XXXX XXXX Auto Loan INQUIRIES : XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 
INTERNAL REVENUE SERVI XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ), I request that all the information listed on my credit report be blocked from my consumer credit file with your company pending your full investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/24, my account was overdrafted due to the XXXX XXXX XXXX XXXX being compromised and froze all deposits. This has created a snowball where I'm getting hit with {$140.00} in overdraft fees on a daily basis. I turned off both debit cards but PNC refuses to put a freeze on XXXX Debits, which is going to continue to cause NSF/Overdraft Fees. I attempted to close the account to stop the continuous fees, to which I was told that they can not close the account due to the negative balance. So, while I wait for things to get resolved with my payment company, I'm continuing to get hit with XXXX debits and incurring more fees. I would like for PNC to either freeze the account completely or close the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Comerica
State: CA

Complaint narrative:
In XXXX of XXXX I called in and filed a fraud complaint explaining that I was charged around {$3300.00} for a purchase in XXXX, XXXX. I bought something for {$150.00} and was told this was the conversion rate in XXXX and that was the reason the dollar amount showed the {$3300.00} USD on the slip. I explained that I signed for the purchase, but then the following day saw that the charge was actually {$3300.00} and not {$150.00} in XXXX. I sent all the information to Comerica and the {$3300.00} was added back to my account as they submitted the Fraud investigation. ( Please listen to the first call. I shared all of these facts when I called to report the fraud once I saw that pending authorized charge on my account the following day. ) Although it was just pending, they said they could not do anything. 

In early XXXX the money was taken out again with the explanation that Comerica contacted the merchant and they had a signed receipt that authorized the amount paid. That was never the issue of the fraud and that was explained on my first call. I asked that my issue be escalated to a supervisor, where I was told there was nothing they could do. I asked to speak with management, and they explained there was no XXXX available and that they would have a XXXX call me back within XXXX hours. I did not receive a call. I called back on the XXXX business day out and spoke with a person at the customer service center who said that they would resolve this after I explained the entire ordeal to them all over again. They said it would take time to get the issue escalated for resubmission. That was late XXXX. 

I heard nothing after that, but had no access to my accounts to confirm the amounts had been resolved. 

Fast-forward to XX/XX/XXXX, and I receive a notice in the mail from XXXX XXXX XXXX for {$1200.00} for bank overdraft. I have never received a fee for overdraft at any bank, let alone for what I was told was being taken care of and the reason that we know this was over-drafted. I would simply like to see this XXXX XXXX Along with a letter for my records showing that it was XXXX XXXX. I should not be charged overdraft for obvious fraud. It would seem that the person I spoke with in late XXXX did not take action as promised. I was skeptical that they would follow-up being so close to the holidays, but I was glad to hear someone was trying to assist. They promised a follow-up email and phone call. I received neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I financed a car through XXXX XXXX XXXX and they still have yet to report it to my credit. That was the whole reason to finance a car instead of paying cash. I am trying to improve my credit and having fair and accurate reporting is needed. I have held up every end of my terms of the contact i signed with 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 non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I opened a credit card account with Barclays Bank I was informed that I had a {$5000.00} limit. I received the first statement and there was a {$490.00} charge on the account and when I called the company they told me that was their yearly fee even though on the application it said there is only an annual fee. This fee was charged within 2 weeks of opening the account and I have not used the account one time this fee is also listed as a charge against the {$5000.00} credit that they extended. If I had known that I would be charged a separate fee directly to the card as soon as it was opened I would not have opened the card. I feel that this is predatory lending. I notified the customer service agent that I was not happy with the charge and also not happy that it was directly charged to my credit that was extended and thereby I do not have a {$5000.00} limit I have {$5000.00} - {$490.00} which is clearly deceptive in a business practice by a lending institution. This is my official complaint about these practices and I felt that the complaint department of this agency should be informed that this is occurring and it should be looked into because I am sure they are doing this to other people. I feel that if you are going to be charged a fee you should be sent a bill showing that there is a separate charge not charge directly to the amount that is lended. This I believe violates the truth and lending practice that all banks are morally obligated to uphold and constitutes a direct violation of predatory lending and also it just doesn't sit well. I work hard for every dollar that I make and I do not appreciate being charged for a fee that will appear on my credit report as credit usage when clearly this is just a fee. Thank you for your time I appreciate giving this information to you so that it can be forwarded to the correct level of investigatory processing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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:
I'm a identity theft victim and the thief that stole my identity opened a loan in my name with a company name Self Financial XXXX XXXX on XXXX the account is closed but showing negative history that is hurting my credit and the company has yet to show proof that I XXXX XXXX signed up to get credit or a loan through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
I'm a identity theft victim and the thief that stole my identity opened a loan in my name with a company name XXXX XXXX  XXXX XXXX on XXXX the account is closed but showing negative history that is hurting my credit and the company has yet to show proof that I XXXX XXXX signed up to get credit or a loan through.

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