vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 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: GA

Complaint narrative:
" Your agency is in violation!

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. 
Delete this at once! '' 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

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 2024-04-26 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: GA

Complaint narrative:
" Your agency is in violation! 
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. 
Delete this at once! '' 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

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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Despite numerous requests for removal of a XXXX XXXX monthly maintenance fee ( since at least XX/XX/year> ), Verve continues to charge same.

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 2024-04-26 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: SC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I Have made numerous request FOR THE ADDRESS TO SEND A NEGOTIABLE INSTRUMENT per their agreement, American express front line reps seems not to what address to provide, they say have not been provided training for such a thing. 


their seems to be a disconnect between the representatives and American Express own policies or American Express does not have a information database where this information can be easily accessed, either way the information I have requested should not be that hard to obtain considering it states on page 2 of my statement that American Express do except negotiable instruments as a form Below is page 2 section ( 2 ) of every American statement..

PAYMENTS : Your payment must be sent to the payment address shown on your statement and must be received by XXXX XXXX local time at that address to be credited as of the day it is received. Payments we receive after XXXX XXXX will not be credited to your Account until the next day. Payments must also : ( 1 ) include the remittance coupon from your statement ; ( 2 ) be made with a single check drawn on a XXXX XXXX and payable in US dollars, or with a NEGOTIABLE INSTRUMENT payable in US dollars and clearable through the US banking system ; and ( 3 ) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment fees and additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearable through the US banking system

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
At the beginning of XX/XX/XXXX, I received notification from Experian about an account that was added to my credit report as 60 days late. Upon speaking with Experian, I was informed that XXXX was reporting me two months late for an account ending in XXXX with a balance of {$7400.00}. 

I immediately contacted XXXX to find out more information about the account and was told : 1 ) The account was opened in XX/XX/XXXX XXXX ) The account was closed by XXXX for suspected fraud 3 ) There were no attempts to communicate about the account since XX/XX/XXXX. 
4 ) A fraud packet would be sent to me to sign and send back. 

I advised XXXX that a former employee was responsible for opening the account without my knowledge and that the former employee was currently incarcerated. I also advised XXXX that I was willing to pay for the balance owed, however the account was not utilized by me. 

I also informed the credit bureaus that the account was a fraudulent account and requested a dispute process to begin. Experian almost immediately removed the account from my credit report, however on XX/XX/XXXX it was placed back on my credit file as verified. 

I contacted XXXX again on XX/XX/XXXX to find out the status of the case as I have not received any documentation from XXXX as promised. A representative from XXXX let me know that XXXX determined the account as valid because there were payments made on the account from an account that was in my name and from a business account that I am the manager on. I advised the representative that there were multiple payments made from accounts at XXXX that were in my name and multiple disputes were filed with XXXX regarding other credit accounts where payments were made without my consent or knowledge. XXXX representative informed me that I did not send the requested documentation in to substantiate the case and as a result, they determined the account to be valid. 

However, I contacted Experian again and it was told to me that XXXX did receive the documentation as the bureaus sent it directly to them with the fraud dispute. XXXX received the FTC Affidavit and ignored it, told the bureaus that the account was valid and misrepresented the facts about having the documents to me. Their justification for verifying the account was based on them not receiving documentaiton however the credit bureaus sent the documents to them directly so they had them the entire time. 

I then spoke to another representative at XXXX who allowed me to make payment on the account to keep the account from reporting more late payments on my credit report, however I am not liable for the account..

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 2024-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My bank account ( both checking and savings ) with Bank of America was hacked and cleared out on XX/XX/XXXX. XX/XX/XXXX I called the bank of americas fraud department, they told me they were unable to do anything and I would have to go to the branch I use on Monday the XXXX. Monday the bank informed me that the money was moved to an investment account with Merrill lynch that was opened in my name fraudulently. I told Merrill lynch on XX/XX/XXXX to close the account that was open and they never did. Bank of America and Merrill lynch keep going back and forth on whos at fault. Merrill lynch started the fraud claim XX/XX/XXXX, we have yet to hear anything and it is impossible to get in contact with anyone in their fraud department. The fraud claim with bank of America was opened XX/XX/XXXX after they finally took responsibility. Bank of America denied the fraud claim due to the account being opened in my name and never closed. The address, phone number and signature that were used to open the Merrill lynch account was all incorrect and fraudulent. Bank of America is refusing to give us any provisional funds after almost 3 months of no answers. Bank of America claims they are unable to do anything until Merrill lynch can prove its a fraudulent account. Neither of them can even tell us where the money is. This is {$25000.00} in total that was taken.

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 monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
On yesterday XXXX XXXX I received a wire from a family member in the amount of {$6000.00}. I transferred {$4300.00} to another account of mine because I needed to make a big purchase. The transfer was declined and I was sent a text message asking if I had made the purchase and I replied yes and was told to try the transaction again. It went through. I then get an email stating that my account was restricted and have not been given any reason as to why. I provided them all of the information they asked for and was told my account is unrestricted. But it is not and now when I call I am being told that its no guarantee that anyone would give me a call back from their internal department and they cant provide me any more information as to why I can not access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: PR

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 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 2024-04-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end 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 non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am unable to login to my account or reset my password on Equifax.com. 

Some time in XXXX, I created an Equifax account with email address XXXX to pull my annual report. I have the login info saved in my password manager so I know I created an account. I do not recall if I was able to pull my annual report at that time, but I have not attempted to login to my Equifax account since then. 

XX/XX/XXXX - attempted to login to my Equifax account with XXXX and received an error that the username/password is incorrect. I double-checked the password I created with this account, attempted to login again, same error. 

I attempted to reset my password and received the error " We are temporarily unable to complete this request. Please try again later. '' I tried resetting my password from an incognito browser, clearing my cache and cookies, using a different browser altogether, rebooting my computer, etc. Same error. 

I attempted to register for a new account to try using a different email ( sadly there is no field in the registration form for email address ). Equifax 's site says I already have an account and that I have to login or try resetting my password, where I still get the " We are temporarily unable to complete this request. Please try again later. '' error. 

I googled this issue and several other people have had this same problem ; calling does not fix anything, the first tier agents are unable to resolve this problem. The agents advise they're escalating the issues to their backend tech team and that we'll receive an email when it's resolved but we never receive an email and the account login remains broken. Calling back results in the same loop of being told it's being escalated and we'll receive an email when it's fixed, and nothing is fixed and no email is received. 

The only successful fix for people has occurred when they file a CFPB complaint ; people reported their Equifax accounts were fixed within a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I just checked and reviewed again my TransUnion credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-04-26 00:00:00
Product: Mortgage — Reverse 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: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX, Reverse Mortgage Servicing Dept Carrington Mortgage customer service employees FAILED to assist and communicate with us so we could prevent the property from going into foreclosure. 
You state Carrington 's goal is to provide the highest quality customer service BUT IN THIS CASE YOU DID NOT. Because of the rude customer service people and the lack of communication and incompetence the property went into foreclosure. 
There is no fault to us that some deadlines did not get met. Deadlines would have been met if we had received the assistance we needed from Carrington. 
Your response to our complaint has completely ignored the incompetent service we received. 
We were trying to speak with your customer service people as early as XX/XX/year>- we sent death certificate in XXXX but never received a response. Nobody EVER reached out to us personally to help. 
We needed help with the HUD process, we needed help with navigating the timelines but Carrington DID NOT provide this help. 
In the beginning we were NOT aware of HECM regulations or HUD processes. This is where your customer service staff did NOT help. When we called they told us they could not speak with us and they literally hung up the phone. Please feel free to listen to the recorded conversations. 

It really concerns us that Carrington refuse to take responsibility and are in denial for their poor customer service. You have no idea the stress this puts on a family. Why do you assume we would know all the regulations you highlight in your response. We REALLY NEEDED HELP AND GUIDANCE but Carrington failed in this regard. 

Therefore we should not be liable for the Attorney Fees. We were charged excessive inspection fees, we were charged inspection fees twice in one day. 

At the end of your response you state please contact us. How can we contact you? When we call we just get into a Customer Service Loop. If Carrington were sincere about helping their customers they would contact us directly. To bring this complaint to an end and given the poor service we received, it is only fair Carrington refunds the unnecessary attorney fees charged to us in the sum of {$4200.00} as well as the extra unnecessary inspection fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As I was going through my credit profile I noticed I had some inquiries that do not belong to me.

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