vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
See attached. I am writing to dispute certain inconsistencies and potential Metro 2 violations regarding an account listed on my credit report. 

After recently submitting my 3rd dispute to your agency I see that these following accounts have come back verified when theres nowhere on my consumer report that states when the account was verfied. As a consumer it is my right to know what methods of validation was used to verify these accounts are in fact because these accounts are very much giving fraud and are not mine! If you can not provide the MOV to the below questions I must immediately demand the permanent removal of this/these items from my consumer report!. Your company is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - XXXX certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
See attached. I am writing to dispute certain inconsistencies and potential Metro 2 violations regarding an account listed on my credit report. 

After recently submitting my 3rd dispute to your agency I see that these following accounts have come back verified when theres nowhere on my consumer report that states when the account was verfied. As a consumer it is my right to know what methods of validation was used to verify these accounts are in fact because these accounts are very much giving fraud and are not mine! If you can not provide the MOV to the below questions I must immediately demand the permanent removal of this/these items from my consumer report!. Your company is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I called the credit reporting agencies letting them know the inquiries and the documents included below are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting an account that I paid off 100 percent as a charged off account! This is a MAJOR violation, and this is not legal whatsoever. I have tried numerous times to remedy this problem and you have come back and stated that this account was verified. How was this account verified when the data furnished from all XXXX bureaus are incorrect and inconsistent with one another? If this account is not removed from my credit report, I will be filing a statement of claim against your company. The letter I sent your company disputing the inaccurate information is attached which is dated and time stamped. I am demanding that the following account be removed from my credit report : 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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account XXXX XXXX XXXX XXXX XXXX XXXX, Have no knowldege about .The account is not mine.

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AZ

Complaint narrative:
When I try to swipe the cards at a card swipe machine, it doesn't read. I don't get a beep. Nothing happens. The merchant appeared to try to save a fraction of a XXXX on plastic and made the cards too thin to be read by the swipe machine. I've tried using the cards at multiple machines without success. The cards need to be replaced.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
in accordance to the fair reporting act XXXX  account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the rights of privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer report agency can not furnish an account without my written instruction

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capitalone.com is refusing to send me statements showing my charges and credits for my XXXX card ending in XXXX. They also refused to verbally provide the information over the phone. Capitalone.com says that I can't get any information from them without providing them a copy of my driver 's license front and back. I refuse to provide the driver 's license due to fraud. I'm not asking for credit, but to pay my balance due in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
My SSN was leaked as part of an attack on XXXX XXXX XXXX XXXX. I received free credit monitor from Experian. 

Since, I've had attempted credit card openings which I've halted with the respective parties. I'm also trying to place credit freezes. XXXX and XXXX both let me put free credit freezes in place. 

However, Experian is requiring that I upgrade my account to a XXXX $ per month membership to implement a credit freeze or lock. 

Honestly, a little ridiculous if they're the ones watching my credit because of this known leak.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened my JCP credit card with {$5500.00} credit line. My payments were between {$25.00} to XXXX XXXX monthly. I always gave JCP {$100.00} every month towards my credit card payment. Last year they had their XXXX stores removed. During XXXX on The months of XXXX, XXXX and XXXX of XXXX I made purchases at XXXX and also made my monthly payment with the XXXX cashier as I was permitted to make XXXX purchases with my JCP credit card and also I thought make payments. Several of my payments were not recorded on my account! I made multiple payments, JCP fraudulently prevents consumers from viewing the cash payments made in the store! It takes up to XXXX business days to reflect! That is one of the problems! Another is I encountered was the customer service reps in their 1800 phone number saying they see the payment but will take some time for the payment to come off the balance! Shortly after I realized my payments were not on my Statement then after disputing with JCP Customer Service then claimed an internal investigation would take place I also called the Store in XXXX Ca. Filed a complaint! I was told JCP was removing all their XXXX XXXX from JCP still my payments were never found I was given the run around and told I should have called the JCP credit card bank that issued my credit! I thought I had been calling them the whole time! I have been fraudulently deceived as JCP stole additional payments through there XXXX XXXX as I also tend to make a cash payment when making a purchase and On XX/XX/XXXX I made my normal {$100.00} through the store to find out my interests rate had Sky rocketed and my minimum payment was now over XXXX XXXX monthly! They flagged my account although I never missed a payment And decreased my credit line to XXXX /and charged me a late fee ; that has since been credited back But did not adjust the inflated interest rate to top off I was being charged XXXX XXXX  monthly in interest And also the JCP Credit Card app the force you to use is useless as you can not view payments instantly nor transactions only statements that do not upload until statement date! I have been a victim of fraud by JCP would them investigated!

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is in reference to : COMPLAINT ID XXXX SUBMITTED ON : XX/XX/2023 I am resubmitting my claim as Citibank did not have my other one in file. Complaint Summary : XXXX Friday, XX/XX/XXXX, deposited a settlement check, but discovered on Sunday, XX/XX/XXXX, that all accounts had been removed. 
-Contacted Citibank and was informed to wait until Monday to speak with the XXXX Department XXXX 
-Experienced inconsistent information from Citibank XXXX the issuer of the check, and the former employer 's attorney. 
-Citibank denies knowledge of a call made from a provided number, contradicting statements from the issuer of the check. 
-Despite being a recent graduate and social worker, concerned about being treated as having questionable character. 
-Attorney with Citibank XXXXad no trouble depositing a check from the same issuer, raising doubts about Citibank 's investigative process.

-Citibank 's failure to provide guidance or alternative resolutions led to the customer verifying the check independently. I requested previous statements from the bank teller that sent it back to the fraud department. As the fraud department did not have access to this information and shows I have received multiple checks from this company when I was employed here. 
-Faced difficulty in identifying the correct contact number for XXXX XXXX XXXX XXXX the issuer of the check. Even though the bank teller provided me with the number Citibank had on file. 
-Citibank told the issuer that the account was frozen because of an attempted cashing of the check, despite having proof of the deposit.

-Citibank is holding the customer 's money, refusing to provide any information or updates. 
-Was told a supervisor XXXX would be able to help me and there was a note in my file to speak with her. I was never connected to her or received a call back. When I contacted Citibank again asking to speak with her, they said there was no record of this. I have all conversations with Citibank recorded. 
-Citibank is telling me they still need the issuer of the check to call or have bank the check is issued from fight to get the money back with a hold harmless claim

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address the fraudulent personal information linked to my identity. I have discovered accounts and transactions that were falsely attributed to me without my knowledge or consent, causing significant distress and concern. I want to emphasize that I am a victim of identity theft and have taken immediate steps to report the incident. It is of utmost importance to rectify this situation promptly, as it has had a severe negative impact on both my financial well-being and personal reputation. I kindly request your full cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into the matter. I am prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is highly 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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address the fraudulent personal information linked to my identity. I have discovered accounts and transactions that were falsely attributed to me without my knowledge or consent, causing significant distress and concern. I want to emphasize that I am a victim of identity theft and have taken immediate steps to report the incident. It is of utmost importance to rectify this situation promptly, as it has had a severe negative impact on both my financial well-being and personal reputation. I kindly request your full cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into the matter. I am prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
This is my third email correspondence and formal complaint filed against XXXX bank regarding my XXXX XXXX  Application since this process began XXXX years ago. 
I am contacting the Consumer Financial Protection Bureau to make them aware of this urgent concern. 
My application is complete on the Portal and as well as via a certified paper application with proof of delivery and receipt by the XXXX XXXX Department. The final requested XXXX bank statements were submitted on XX/XX/XXXX and XX/XX/XXXX but closed on XX/XX/XXXX. The documents were uploaded but not received but still labeled as incomplete. The packet is complete but the documents were not pulled by XXXX XXXX staff which is not fair that the documents requested have been submitted in a timely fashion but have inconsistently not been acknowledged or reviewed. We have requested this issue be escalated via phone call and email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have received inconsistencies by the representatives as the status of the review. Please review these resubmitted documents that were entered not only on the portal but also by the completed paper application which was sent via XXXX with proof of signature delivery. The original completed packet has been mailed. The proof of the mailed completed packet is listed below along with the proof of signature and XXXX tracking number. Thank you in advance for your attention to this urgent matter. I have made all full mortgage payments since this process began in XXXX. 
Signed for by : XXXX XXXX, Obtain proof of delivery DELIVERY STATUS Delivered TRACKING ID XXXX. 

Sincerely, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: PA

Complaint narrative:
My Lexis Nexis report indicates that XXXXXXXX XXXX XXXXXXXX XXXX ran XXXX inquiries on my report on XX/XX/2023. At this time, my file was frozen. 


XXXXXXXX XXXX XXXXXXXX XXXX didn't have my permission to request a report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I have submitted over 20 modification applications to XXXX XXXX in the past 3 years. I was denied or told I was missing a page. I would resend the page and then I was informed I was missing another page. They refused to modify until recently. When they modified they doubled my payment from XXXX to XXXX and it is unaffordable. I am will to sell my home and need permission from them in writing. They have foreclosed and the final judgement is XXXX. They claim I owe XXXX XXXX more. I have a buyer for my home and need permission from them in writing that I am able to sell. I can not pay this excessive modification and they are setting me up to fail. I wanted to keep my home through modification but based on the payment they have formulated it is unaffordable. I am a 10 month employee not 12 months. I don't believe this was taken into consideration. I would like to be re- reviewed for a modification at an affordable interest rate with a payment closer to my original payment. The reason we fell behind was due to my husband getting sick with XXXX, and an XXXX XXXX  which caused him to go on permanent XXXX. We lost a 2nd income and I was forced to take a pension loan in which my payments are extremely excessive at XXXX per month which decreases my net salary.

Company response to consumer: Closed with explanation