vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 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.

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 XXXX party. They in fact did not come from a XXXX 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 2024-04-18 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.

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 XXXX party. They in fact did not come from a XXXX 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 explanation
Consumer complaint received 2024-04-19 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My credit report is showing unauthorized hard inquiries on my report on or around XX/XX/year> which I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I have a complaint about my Bank of America mortgage. Bottom line, they canceled my autopay, then repeatedly charged me late fees and then made it impossible to reinstate the autopay. Furthermore, they said they reinstate autopay until the payment is coming from a BOA account. 

I had auto pay set up my mortgage for ten years. The bank in XX/XX/XXXX changed my escrow amount and then canceled my autopay in junk mail from XXXX XXXX, XXXX. Subsequently, my mortgage went to " past due '' status in XXXX XXXX, XXXX. When I then called to make a payment in XXXX XXXX, they would not reinstate the autopay because the account had been in " past due '' status. They advised me to call back the next time a payment was due to reinstate but this is part of the scam. This happened again in XX/XX/XXXX and XX/XX/XXXX. They hope you will forget so they can charge me another late fee. 

I spoke to customer service representative XXXX XXXX and 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 monetary relief
Consumer complaint received 2024-04-19 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: PA

Complaint narrative:
hello my name is XXXX XXXX XXXX these inquires were not consent by me. Please remove it immediately. Thank you

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
hello my name is XXXX XXXX XXXX these inquires were not consent by me. Please remove it immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: AR

Complaint narrative:
On XX/XX/2024, I reported credit report errors. It's been over 60 days with no response. I demand action or will pursue legal steps, especially given the XXXX breach.

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 2024-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX validation procedure which make this unfair practice. According to the FDCPA I'm entitled to {$1000.00} USD per violation and they clearly violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i was looking at my report and notice there were some things that was not correct. I sent a letter to Experian on XX/XX/2024 here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than 35 days, Experian still haven't responded to my letter. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( 9 ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-04-18 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been filing and refiling a dispute with AMEX, 8 times, since early XX/XX/2023. I have a letter from AMEX dated XX/XX/XXXX stating that " We are writing to inform you this as a result of our investigation, we've credited your account [ ... ] '' This was after I sent them a photograph of a technician 's ladder and tools in my room, next to a thermostat that had been removed from the wall, with the claim the resort hadn't delivered the product as described, which was a room with air conditioning. AMEX has subsequently, repeatedly, informed me that they were reversing their decision based on the merchant 's word that " no information of lack of air conditioning was received. '' Each time AMEX writes this to me, I call in and ask the agent to look at the files, and see that I have already provided photographic proof that the merchant was informed of the air conditioning problem, the agent agrees that my photograph proves they were informed, and they reopen the dispute. Then AMEX sends me back the exact same conclusion. This was a 5 star resort in a tropical climate, I had provided a record of the daily temperature, which was never below 82f, and 90f for a high, the air condition listed in the product description was an absolute essential that was not delivered until I was finally transferred to another room. In addition to my photo, I also have another agent of the merchant responding to my XXXX  complaint, acknowledging that they have record or my faulty air conditioner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I always pay on time and never missed a payment.

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 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
So, i have a chase XXXX XXXX .. the promotion is that if you refer a friend and gets approve they have to issue you XXXX towards your account of points ears of fidelity of the marriott XXXX I have dealt with them for weeks and promise me that in XXXX weeks will be loaded into the account still waiting, XXXX weeks had passed and no one is able to resolve this matter even supervisors stated there is nothing they can do?? Completely a fraud to the customers deciving them and promise them points when they are failing to comply with the promotions that being offered. Completely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Subject : XXXX for Violation of Consumer Rights Dear Sir/Madam, I am writing to file a complaint against XXXX for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 
On XX/XX/2024, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX XXXX and Capital One ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 
Despite my explicit request to opt-out, I have recently discovered that XXXX continues XXXX furnish information related to my account with XXXX Card and Capital One on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by XXXX is a clear violation of my consumer rights and undermines the integrity of my credit profile. 
I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, XXXX has not only violated my consumer rights but has also compromised my privacy and financial security. 
I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX ceases the unauthorized reporting of my non-public personal information on my credit report. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I filed a dispute with cash app ( my neighborhood is a target for package thieves ) I ordered something and never received it they cancelled out my card because of this and wont let me order another one. They accused me of fraud when I have legit proof that I was eligible for a refund from the company, even after I sent them the email they did nothing. After I communicated this with them they still tried to keep my refund and say they didnt receive it when the company clearly stated that they refunded me XXXX days ago. I really feel like Im being discriminated against! Life happens I shouldnt be at fault because I spent my money on something and somebody decided to steal it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
Requested the total payoff from 21st Mortgage. They sent it and said it was good through XX/XX/XXXX. I sent payment through a lawyer on XXXX. Then 21st says their quote was wrong and didn't include taxes and insurance for the property. They said their system didn't calclate it. We said that was their fault, and they rudly said it was our problem. I sold the property to my fiance and now he can't take ownership despite paying them what they originally said I owed. They said not only will they not give me back my Escrow, but I owe them even more money. They said I had to call the insurance company and get their money back or they wouldn't let my Fiance take ownership. I can not think of a better example of extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
''I 'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICE SOME INACCURATE ACCOUNTS REPORTING. WHICH INCLUDES WRONG EMPLOYER, LATE PAYMENTS AND COLLECTION/CHARGE OFF 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 non-monetary relief
Consumer complaint received 2024-04-18 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: NJ

Complaint narrative:
I believe FCRA 605B says we have to delete wrong accounts from my credit report. Can you check the papers? Some listed accounts have mistakes in the reporting, like wrong amounts and dates.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I sent a letter asking for verification of a debt on XXXX XXXX and mailed it certified, return receipt requested. I tracked the letter via the online United States Postal Service website and noticed that Midland Credit Management , Inc. received the dispute letter on XXXX XXXX. It is now XXXX XXXX and I have not received a response from the agency. From my understanding, the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), says a company has 30 days to investigate disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: NY

Complaint narrative:
Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. On XX/XX/XXXX I asked the credit agencies to send me a detailed report on how these accounts were verified which they have not sent to me. 

Here are the items I am asking you to verify as accurate : Transunion XXXX XXXX  Account # XXXX XX/XX/XXXX Transunion : XXXX XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX XXXX  Account # XXXX XX/XX/XXXX Transunion : XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX XXXX XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX Account # XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate credit reporting practices that have adversely affected my financial standing. 

Upon reviewing my credit report, which I obtained from XXXX  XXXX navy federal I discovered several inaccuracies that are impacting my creditworthiness. These inaccuracies include such as accounts that are not mine, incorrect account statuses, etc. 

I have attempted to rectify these errors by disputing the inaccurate information directly with the credit bureau, as mandated by the Fair Credit Reporting Act ( FCRA ). However, despite my efforts, the inaccuracies persist, causing undue hardship and frustration. 

As a consumer protected under the FCRA, I am entitled to fair and accurate credit reporting. I believe that the practices of [ Credit Bureau XXXX ] violate the provisions set forth in the FCRA, specifically Sections 611 and 615, which require credit reporting agencies to conduct a reasonable investigation upon receiving a dispute and to promptly correct any inaccuracies. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX  XXXX navy federal complies with federal regulations governing credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation