vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 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: AZ

Complaint narrative:
previous case from cfpb won case with no monetary but accounts still present on report, Per the Fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non verbal, per 15 usc 6802. 

also remove all non mailable addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX current and only address mailable is XXXX XXXX XXXX XXXX XXXX az XXXX please remove and delete from consumer report listed XXXX inaccurate information no account number listed on report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX all these were requested to be removed but have not been updated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I used the Synchrony Amazon Store Card. When it was time to make payments, I would go on the website and the website said " we are having technical difficulties and can not not access your account. Try again later. '' This happened 90 % of the time. It wouldn't let me access my account or look at statements. I incurred late fees, and each time I tried to pay, I would incur interest because it wouldn't let me pay them. CRAZZY.

I cancelled the account, and paid interest for the late fees.

This is an awful credit card, and the only time in my life ( I am XXXX ) that I have had this kind of trouble paying a card. I have an XXXX credit rating. 

I do not recommend this card to anyone. Avoid it!

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Creditor XXXX XXXX Account Number XXXX  to be deleted from credit reports once settled. Account was settled on XX/XX/2023 for {$390.00} but still showing on credit reports.

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 2024-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
Their phone lines do NOT lead to operations ; they go only to recordings. This has been the problem for more than 12 months. They only call after a complaint to your offer, which is a waste of tax dollars, your time, and my time. They do not reposed to 'Chat ' messages. It is a continuous sea to keep legitimate data out of the hands of consumers.

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 2024-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX, keeps calling my private cell phone number, my husband is the co signer on my sons XXXX loan. I dont know how they got my private celll number .This is harassment an another level. XXXX has no right to call my private cell phone number. ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. Iam attaching proof that Equifax has admitted that XXXX was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: CA

Complaint narrative:
Remove the inquiries as I have not applied for any of them.

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 2024-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In XXXX of 2023 I refinanced my XXXX Insight with Navy Federal Credit Union. XXXX released the vehicle XX/XX/2023 to Navy Federal. Navy claimed they never received the title in XXXX of 2023. When I called to dispute, they changed their story and said they never got the lien release so the refinance wasn't final. Even though they sent me a XXXX dollar refinance credit in XX/XX/2023. 

Without the proper paperwork Navy failed to send in to the Motor Vehichlce Administration in a resonable and lawfult time, I'm unable to sell or trade in my vehicle because businesses will not accept a different lien holder on the Title. Right now I'm getting charged interest for this vehicle loan I'm unable to sell and Navy is receiving profit. I was offered XXXX over what I owe for the vehicle!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: OR

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 2024-01-12 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: IL

Complaint narrative:
I am writing to request the method of verification used in connection with the investigation of the dispute I submitted regarding the accuracy of information on my credit report, as allowed under 15 U.S.C. 1681s-2 ( e ).

I appreciate the effort you have undertaken in investigating my dispute. However, I am know seeking specific details regarding the method of verification employed during this process, as required by the aforementioned section of the fair credit reporting act.

Pursuant to 15 U.S.C. 1681s-2 ( e ) ( 7 ). I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-12 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: AZ

Complaint narrative:
previous case from cfpb won case with no monetary but accounts still present on report, Per the Fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non verbal, per 15 usc 6802. 

also remove all non mailable addresses XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX current and only address mailable is XXXX XXXX XXXX XXXX XXXX az XXXX please remove and delete from consumer report listed XXXX inaccurate information no account number listed on report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all these were requested to be removed but have not been updated

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 2024-01-12 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: AZ

Complaint narrative:
previous case from cfpb won case with no monetary but accounts still present on report, Per the Fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non verbal, per 15 usc 6802. 

also remove all non mailable addresses XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX current and only address mailable is XXXX XXXX XXXX XXXX XXXX az XXXX please remove and delete from consumer report listed XXXX inaccurate information no account number listed on report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all these were requested to be removed but have not been updated

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 2024-01-12 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: GA

Complaint narrative:
I've submitted disputes regarding XXXX XXXX XXXX reporting 30 day past due and late on my credit reports and a member of XXXX called to confirm there was a mistake on their end and that the adverse reporting would be fixed, however, upon checking my credit on XXXX XXXX and Experian, I am seeing only 1 bureau has updated my payment rating and removed the late payment and that all bureaus have not raised my scores to its respective states before this adverse action was mistakenly taken by XXXX XXXX XXXX. 

In the month of XX/XX/XXXX  I sent a Billing Error Notice to XXXX XXXX XXXX : Under Regulation Z 1026.13 Billing error resolution. 

( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : Official interpretation of 13 ( d ) Rules Pending Resolution ( XXXX ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date Hence, the payment was withheld until my issue was resolved, the issue has still not been resolved but I opted to pay the full balance and yet it was still reported that I was past due. When I attempted to re-dispute this information with the bureaus, I am only seeing that the dispute was complete but no significant raise to my credit score has been provided and no removal of the past due status in the month of XXXX has been removed. This is a direct violation of my consumer rights.

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 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My problem is wuth American express. my problem is best described in the email I sent to the top officers of the company and the follow up email Dear XXXX XXXX XXXX XXXX ( XXXX & XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Chief XXXX XXXX, XXXX XXXX XXXX ) SEE BELOW letter Follow up note I am disappointed that you did not respond to my email of XX/XX/XXXX ( See below email ). You can disagree with my belief I was misled, but being ignored is a greater disservice to a loyal customer. 
XXXX XXXX XXXX XXXX note I have been a loyal American express card holder for over XXXX years in XXXX format or another. As a card holder starting out in the business world holder and as a business owner and president of a legal recruiting company. In fact, over the course of my career I have placed lawyers at American express. I was a gold card holder for many years but as my needs changed I became a green card holder. Most recently, I paid for a cruise on the XXXX line on XXXX XXXX in the amount of {$7500.00}. Prior to making the payment I called Amex because I was concerned about travel interruption insurance and the agent assured me that it was in place. I also believe these calls are recorded so there should be proof the event exists. To make a long story short I contacted covid and had to cancel my trip. Believing I was covered, I got the appropriate documentation from my physician to forward to Amex. To my utter surprise I was informed I wasn't covered. As a business person I have survived by being very cautious about details, and given all the possibilities in the current world environment I never would have left myself exposed. 
Needless to say, this experience has been very disappointing, and I plan to cancel my card after this. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2024-01-12 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: TN

Complaint narrative:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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 2024-01-12 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: CA

Complaint narrative:
Kindly review the attached documents that I have been able to include.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Creditor XXXX XXXX Account Number XXXX  to be deleted from credit reports once settled. Account was settled on XX/XX/2023 for {$390.00} but still showing on credit reports.

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 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2023 I deposited an insurance check into my checking account with Regions. I decided on XX/XX/2023 to transfer {$20000.00} from my checking account, which had a bank card attached to it, to my Personal account, as it appeared on my Regions banking app. I had no reason to believe the Personal account on my app wasn't my account because I had never given anyone authority to be linked to my Regions account. On XX/XX/2023 I wanted to transfer {$1000.00} from Personal to my checking account and I couldn't find the money on the bank app. I called the phone number on my check card and they directed me to go to the closest branch immediately. I did so and reported a fraudulent transaction. Regions employee XXXX XXXX looked up the information on the account I transferred the money to, that was linked to my account, and asked me if I knew XXXX ( with several last names ). I said no and I was told a fraud investigation would be started. I filed a police report ( # XXXX ) on XX/XX/XXXX with the XXXX Police Department ( TX ) and advised the Regions branch of the police report number. I was told the woman to whom the account belonged to stated that I had ordered XXXX XXXX in balloons from her, even though she is in the XXXX, FL area and I'm in the XXXX, TX area. The bank denied my fraud and did not remove her access to my account. My Regions branch manager, XXXX XXXX XXXX , told me that she was not having any luck getting a hold of the XXXX FL branch manager to discuss this fraud.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Kindly eliminate the inquiries as I did not initiate or apply for any of them.

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 2024-01-12 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: TN

Complaint narrative:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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