vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 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: NC

Complaint narrative:
Disputed my account number with XXXX XXXX as reporting inaccurate on my credit report with late payments and inaccurate statement balances. now the account is not reporting at all. I ask the account be re-inserted into my credit report.This card was lost/stolen and I am not responsible for the {$290.00} balance and the {$40.00} late fee. The account was valid, but account balance were incorrect. After disputing this with Transunion, the company deleted the account entirely which has adversely affected my credit as now I have no credit history whatsoever.

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 2024-03-29 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 
Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-03-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: VA

Complaint narrative:
I'm not associated with these loan creditors, and I didn't begin the enquiry. I'm requesting that you get them out of my credit report right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been battling JP Morgan Chase for nearly 1 year to fix a technical glitch which results in customers, such as myself, receiving up to 6 duplicate emails at the same time when statements are generated, payments are received, and similar. I have called more times than I can remember, have spoken with supervisors as well as regular customer service reps, and in total, have probably spent about 10 hours on this. I have also submitted through the " secure message center '' when logged in and I get an auto reply from a bot that they will not do anything account related and I must call customer service to do so ( which I have done at least 10 times ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Consistently, I've maintained prompt payments on this account, ensuring they never fall into arrears. The reports of late payment remarks on my accounts perplex me, especially considering compliance with 15 USC 1666b - Billing Error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I called Flagstar Bank on XX/XX/XXXX to discuss repayment options. I was offered to apply for payment deferral which I accepted. At the conclusion of my call, I was told that I would receive a letter with a decision from the lender if payments was approved to be deferred ( Placed at the end of the mortgage ). 

I received a letter on XX/XX/XXXX stating that the payment deferral request was approved ( Two payments would be deferred to the end of the mortgage ). The letter indicated that we must accept the deferral sign, date and return the document by XX/XX/XXXX that once I made payment by XX/XX/XXXX, then an agreement would be sent to me. I uploaded the signed and dated document to my online account as directed on XX/XX/XXXX. 

I spoke to several representatives ( XXXX on XX/XX/XXXX ) who confirmed that my deferral request is approved with the condition that I make the regular XXXX payment by XX/XX/XXXX at the very latest. I stated that I was concerned because the letter required payment by XX/XX/XXXX. I gathered the funds requested and tried to make payment online on XX/XX/XXXX but did not have the option to make XXXX payment ( Website required XXXX payments ). I called on XX/XX/XXXX to make payment, and the representative advised that he saw the letter approving the deferral but for some reason, the account had not been updated yet. I had to return to work and could not continue to hold on the call. Today ( XX/XX/XXXX ) I called again to follow up on my call from the previous day and to make payment. At first the Flagstar Representative ( XXXX ) stated that my account would not be eligible for deferral until it was at least 3 months past due and advised me not to pay XXXX ( I would need to submit another loan mitigation application ). She then corrected herself and advised that my application was closed and that my account is not eligible for a deferral. She stated that I instead would need to apply for a loan medication. The representative told me that the deferral approval letter was sent in error. She claimed that a letter was mailed to me on XX/XX/XXXX explaining as such ( I have not received the letter ). I also asked why several representatives confirmed that the deferral was approved on multiple occasions throughout the month of XXXX, and now I am being told differently only when I am calling to make payment. She indicated that the letter was mailed in error. I made the required payment today as per the deferral approval letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a complaint through the CFPB to Equifax on XX/XX/24 about inaccuracies and the fact that I never gave XXXX XXXX permission to disclose my information to credit reporting companies. I thus asked Equifax to delete the account from my credit report. Although Equifax updated the account, I requested for it to be taken off of my credit report. In order to confirm that I did not grant XXXX XXXX permission to report to my credit report and to validate my account, I called Equifax and inquired about their investigative procedure. The agent informed me that they had simply forwarded my letter to XXXX XXXX, and they updated it with any information that XXXX reported back. That is not a thorough investigation. In fact A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate and that's not what happened according to the agent I spoke with. 15 U.S. Code 1681i - Procedure in case of disputed accuracy - ( 7 ) Description of reinvestigation procedure - A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( i ) - a notice that, if requestet by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; BY NO LATER THAN 15 DAYS after receiving a request from the consumer for that description. Consequently, I require a comprehensive report on the investigation that was carried out to confirm that I gave XXXX XXXX permission to share my information on my credit report and to verify the innacuaracies. If I don't hear back from you WITHIN THE NEXT 15 DAYS, this account needs to be deleted immediately! 
1. The names and business ' addresses of each individual with whom you verified the information above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disagree with the accounts listed below because they are still showing and reporting inaccurate information on my credit report, even prior your investigation. I would like for these item to be reinvestigated immediately. 
XXXX XXXX XXXX XXXX account with account number XXXX XXXX. This XXXX XXXX with account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX These inaccuracies are negatively affecting my credit score. In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I have the right to know the names and business addresses of each individual of whom verified these account as being accurate, so can you please provide me with this information? Please send me a updated copy of my credit report after your re-investigation. Please see attach files which shows the inaccurate and inconstancy of information being reported.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am writing to express my deep concern and frustration regarding the recent denial of my fraud claim by Bank of America. On XX/XX/2024, I contacted Bank of America 's customer support to report several unauthorized transactions on my debit card. These transactions amounted to a significant loss of {$6900.00}. Understandably, I was in a distressed state of mind due to this substantial financial loss. 

During the initial call to file the fraud claim, I provided all the necessary information and answered the questions posed by the representative to the best of my ability. However, in hindsight, I realize that I may have inadvertently provided inaccurate information due to the extreme stress I was under. Specifically, I erroneously stated that I still had possession of my debit card, when in fact, I had lost both my wallet and phone for awhile and soon after was hit with many charges throughout the weeks. 

Despite my cooperation and submission of all required documentation, I received no further communication from Bank of America regarding the status of my claim. To my dismay, I later discovered that my claim had been summarily closed without any explanation or notification. This decision has left me feeling deeply aggrieved and betrayed by a financial institution that I have trusted for many years. 

It is important to note that such large transactions are entirely out of character for me, and I have never made purchases of this magnitude in my history with Bank of America. Furthermore, I strongly believe that my phone was compromised and used for these unauthorized transactions, as I recently experienced a hacking incident. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and ensure that I am treated fairly and justly. As a consumer, I rely on the integrity of financial institutions to protect my interests and assets. The denial of my legitimate fraud claim has not only caused me significant financial hardship but has also eroded my confidence in Bank of America 's ability to safeguard my accounts. 

I kindly request that the Consumer Financial Protection Bureau intervene on my behalf and XXXX Bank of America to reopen and thoroughly investigate my fraud claim. Additionally, I seek restitution for the losses I have incurred as a result of their negligence and mishandling of this matter. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the restoration of my faith in the banking system.

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 2024-03-29 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: GA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-03-29 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-03-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I received an Amex XXXX XXXX. I can check the balance using https : //balance.amexgiftcard.com/account. I tried to use this on XXXX ( using {$1.00} less than the face value of the card ) and the transaction was declined. I have also tried a similar process with XXXX and at XXXX at amounts less than the full face value, but every time it is declined. This is a widespread problem that is rightfully leading people away from Amex gift cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
We have enrolled in auto payment XXXX and were told we were all set after trying to do it online. Also informed that auto payment would begin on XX/XX/XXXX and we were set for XXXX. 
Emails XXXX auto request approved through email XXXX were advised that changes had been made to account XXXX auto payment cancelled XXXX - account on autopay XXXX friendly reminder that payment was due even though account shows it was paid paid again for fear of credit repercussions XX/XX/XXXX confirmed payment XX/XX/XXXX once again request denied XX/XX/XXXX request denied again XXXX payment delinquent reminder XXXX change in loan status and reminder of payment due XX/XX/XXXX Charged for auto payments Accused of bad checks due to their processing errors. 

Had contacted Connecticut Attorney General in XXXX for help regarding so many inconsistencies, but suit was settled and they couldnt help us. 

Numerous phone call during the past week with different information being relayed each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2024-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I've been getting over 9 calls a week, sometimes 2 times within the same hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: GA

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL ACCOUNTS AND INQUIRES REPORTING ON MY ACCOUNT THAT IS FRAUDULENT. PLEASE REMOVE INFORMATION FROM MY REPORT. IVE CALL CREDITORS MULTIPLE TIMES AND NO RESPONSES WAS MADE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: MO

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 explanation
Consumer complaint received 2024-03-29 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: UT

Complaint narrative:
I write to address the unresolved issue regarding my filed complaint regarding this below account : 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