vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-12-26 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hello, I made a purchase from XXXX from a seller for " beauty peptides '' using my Apple Card on XX/XX/year>. During these purchases, it very standard to get these products " tested '' for sterility and actually containing the stated ingredients for safety and quite frankly ensuring you get what you paid for. These tests are extremely expensive but when buying in bulk, as I did with XXXX, it is standard process. This references XXXX order XXXX for {$410.00}. After receiving the product on/around end of XX/XX/year>, I sent a test to a reputable lab and that process took around a full month or so ( hence the delay from order date to the date of knowing what I ordered was considered unsafe and fraudulent ). I have sent Apple Card a plethora of documentation, including the failed report, and substantial evidence that XXXX had terminated this account from its platform and made it impossible to reach anyone at either the original company of which I bought from on the XXXX platform and even moreso with XXXX directly. Therefore, I have disputed this charge numerous times with Apple Card to no avail and need assistance. The most recent re-disputed ID is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a company credit card with Chase ( last XXXX digits, XXXX ) during XXXX with XXXX XXXX XXXX XXXXXXXX XXXX. I did not realize the card was a Pay-in-Full monthly card because the advertising on the brochures was misleading between the Pay-in-Full Monthly and the XXXX XXXX ( which allows you to carry a limited balance ). I ran a debt up to nearly ~ {$10000.00} and when I realized the card was a Pay-in-Full card, I called Chase and was told that I could arrange a payment plan and that the card wouldn't close. This occurred over multiple recorded conversations ( I can't pull the dates I called from my phone but this all occurred over the last several months ) There were open notes on my case. I was also misled by multiple representatives that told me conflicting information about the status of the card account and whether or not it would close. Ultimately, XXXX of the last reps I spoke to before they closed my account ( without my knowledge ) said the account would remain open and arranged a payment plan for me to have the card paid off in XXXX months or so. However, no one told me that the card would close after 100 days, I never received any notices in the mail ( and a representative told me this XXXX that I should've received them ) about the account closure. Not only that, but it was also reported to the credit bureaus and my credit went from XXXX to XXXX! This has been disastrous for my business and my personal financial credit as I've received reduced credit limits and been denied loans I would've otherwise been allotted. I have never had a late payment. If I knew the account was going to close or be reported to the bureaus I would've taken money out of retirement to pay it off. I have not received any reconciliation from Chase and basically I've been told there's nothing that can be done. I see multiple instances where Chase failed to notify me about the imminent closure of the card and they provided me with a false sense of security about my credit card status. Please help me get my financial wellbeing back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: NY

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 non-monetary relief
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
i received a letter from Mr. Cooper aka Nationstar Mtg - XXXX XXXX  XXXX XXXX OH XXXX ( i have paid my own insurance since the inception of the loan XXXX ) that they needed evidence of insurance - after calling them they kept telling me that i needed to have the insurance company change the address on the ins -- - the insurance company told me they CAN NOT change addresses that the address they have has been the same since XXXX called the mortgage company - they insisted it was not the same as when mortgage originated with XXXX XXXX XXXXXXXX that sold it to them ( Nationstar ) - i have sent them the ins cert - the renewal all the info on the property address per the USPS - by Certified mail and today they now say that i did not provide and they are force placing insurance. -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: NC

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of XXXX XXXX. 

Please review the attached letter. Thank you for your assistance.

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 2024-12-26 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: NC

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of XXXX XXXX. 

Please review the attached letter. Thank you for your assistance.

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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2024, I noticed suspicious activities on my credit card account. I immediately reported the issue to my credit card issuer - Bank of America. 
In XX/XX/2024, Bank of America refunded a total of {$1300.00} to my account. However, on XX/XX/2024, I received a letter stating that, after their investigation, they determined the charges were made by me and reversed most of the refund. I suspected they did not take the investigation seriously because they made a false statement. They only credited me {$130.00}, leaving {$1200.00} as a balance they claimed was valid. 
I have repeatedly contacted the company to explain that these transactions were not made by me and that the charges were fraudulent. I also asked for evidence supporting their conclusion, but they said they had no proof in their system and insisted the charges were valid. 
Despite multiple calls and attempts to resolve this issue, the company was vague about how they would investigate the case, and every time we called, they said the case would take around 3 months to get a response, which is taking too long. They provided no case updates. They continue to assert that the {$1200.00} is my responsibility, even though I have never made these transactions. 
My credit score has been dropping significantly as well ( from XXXX down to XXXX ), which is most likely caused by the mishandling of this situation by Bank of America as described above. 
This ongoing situation has caused significant frustration and financial stress. I am seeking a resolution to this dispute, including the refund of the {$1200.00} and recovering my credit score back to XXXX and above. The company can reference claim number ( 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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have had a year long struggle with a cyber stalker/hacker. Several times I have had to change my checking account information, credit card numbers, all financial information. Chase decided to close out on of my cards although I have several times fixed my account numbers, I had put out a federal identity theft alerts, and specifically on that card no missed payments. I still have copies of the police report, all proof and information regarding the scamming and would be more than happy to provide for the company. Its unfair to punish someone who has been through such a severe scamming/ hacking incident with financially destroying them further by closing a credit account based on the assumption someone is a poor credit risk but has not missed a payment. I would like the account to be reevaluated and pay attention to the history on the account not just a rough time in someones life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. CITIBANK, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX  XXXX  XXXX  has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a 1099-c from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 
These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for several years. Now it is XXXX and I'm not able to get my family what they need

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 2024-12-26 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: TX

Complaint narrative:
I need help, I have attached supporting document. Also, please see supporting documentation under 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 2024-12-26 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 
This letter concerns the XXXX XXXX account ( Account XXXX XXXX  ) which reflects late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Upon review of my payment history and records, I have verified that all payments were made on time. I initially disputed these inaccuracies on XX/XX/XXXX, yet the account remains incorrectly reported. 
Account Details : Account Number : XXXX High Balance : {$720.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} Closed Date : XX/XX/XXXX Account Rating : Closed Account Description : Dispute resolved; reported by XXXX Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Current Payment Amount : {$43.00} Last Payment : XX/XX/XXXX Credit Limit : {$500.00} Two-Year Payment History : Reflects XXXX late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Legal References : 15 USC 1681i ( a ) ( 2 ) ( A ) ( i ) : States that consumer reports should not contain inaccurate information regarding transactions or experiences between the consumer and the furnisher. 
15 USC 1666 ( b ) : Requires creditors to adopt reasonable procedures ensuring timely delivery of billing statements.

15 USC 1637 ( b ) : Mandates accurate disclosure of account details in periodic statements. 
Request : I request that you : Provide a detailed description of the investigation procedures used to verify the reported late payments. 
Supply documented proof of the late payments, including specific dates, amounts, and any supporting communication. 
If no valid evidence exists, correct the account status to XXXX XXXX Agreed Never XXXX immediately. 
I expect your response within the 30-day investigation period stipulated by the FCRA. Failure to comply will be considered a violation of federal law. Attached are copies of my credit report and supporting documentation for your reference. 
Thank you for your prompt attention to this matter. 
Sincerely, 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