vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A bankruptcy is listed on my TransUnion credit report but not on XXXX or XXXX. Despite disputing it with TransUnion for removal, they're citing verification from a third-party company called XXXX. However, when I contacted XXXX and requested a copy of my credit report, there was no bankruptcy listed. 

I am insisting that TransUnion removes the incorrect bankruptcy filing from my credit report. This marks my third attempt to request its deletion, yet they have not taken action

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 2024-04-24 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: TX

Complaint narrative:
I am writing to dispute certain items on my credit report that I believe to be inaccurate. Enclosed with this letter is documentation providing evidence that the accounts in question are not accurate. 

The errors on my credit report have caused me considerable frustration and concern. Despite my efforts to address these inaccuracies, they continue to negatively impact my financial reputation. 

I have attached a letter detailing the inaccuracies in question and providing evidence to support my dispute. It is essential that these errors are promptly investigated and corrected to ensure the accuracy of my credit report. 

I demand immediate action to rectify the inaccuracies on my credit report and restore the integrity of my financial profile. Furthermore, I expect transparent communication throughout the resolution process. 

Please provide me with written confirmation of the actions taken to address these inaccuracies and any updates or changes made to my credit report. 

I am deeply disappointed by the lack of accuracy and accountability demonstrated in the handling of my credit report. I urge you to prioritize the resolution of this matter and restore the accuracy of my credit profile without further delay. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: American First Finance, Inc.
State: AL

Complaint narrative:
i am trying to work on my credit and i have trie dto work things out with the company but havent gotten any response back or willingness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On XX/XX/XXXX last year. XXXX XXXX XXXX didnt renew my homeowners insurance.Reason my roofs 20 years, insurance want me to replace new roofs but I cant afforded, because XXXX XXXXIt took me almost a month to find XXXXa fair plan property insurance to coverage my home insurance.Its went effective on XXXX XXXXwhile its had been overlap period of XXXX no insurance cover.My Mortgage sent me a escrow insurance bill for XXXX dollars and I contact customer service to pay my XXXX dollars overlap.on XX/XX/XXXX XXXXFreedom mortgage company sent me a statement said : we have safeguards in place to ensure there is enough money in your account to cover your homeowners insurance.but not taxes because I pay separately.FM insurance said base on our recent analysis, you have a shortage of {$510.00} in your escrow account.This shortage likely was caused by changes insurance, a shortage may also result in full monthly escrow payments have not been made to your account.We will automatically spread the shortage amount over 12 months of future monthly escrow payments. Thisll be reflected as an increase to your monthly mortgage payment.My current payment amount is XXXX and the New payment will be ) XXXX Effective date XXXX tried to contact FM mortgage customer service couple times to remove or exclude escrow account out and resolve this issues problem, but I was denied.Thank you very much for give me a chance to writing about this difficult problems. Sincerely yours : XXXX 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 explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am attempting to recover my father 's accounts from Merrill Lynch, both his retirement account and personal taxable investment account. He passed away on XX/XX/2024. Despite complying with all requests from the company, I still can not get the company to hand over the funds to the estate, something I have separately done effectively with XXXX XXXX, XXXX, and Merrill 's parent company Bank of America . 

I first contacted Merrill in XXXXXXXX XXXX XXXX to inform them of my father 's passing and to freeze the accounts. They requested information including the death certificate, court order, and instructions. These were first handed over on XX/XX/XXXXXXXX XXXX XXXX. 

Since then I have made over 40 attempts to contact Merrill and get the accounts settled. I have worked with their estate representative, XXXX XXXX, who occasionally will contact me and request additional documents. I typically immediately reply ( within 24 hours ) with the requested information. The documents have been numerous and superfluous. This included an initial and then subsequent affidavits with instructions, a lengthy 401k / IRA transfer booklet that I have had to revise twice, instructions and a letter of acceptance from my personal bank ( despite no XXXX XXXX refusing their customers deposits ), and many other documents. In one required revision of a document, they held it up because I provided a US address in New Jersey but did not also check the box next to it that said " US address. '' These are not people operating in good faith. 

One of the 401k transfer documents requests invasive personal information that no other bank has asked for, such as the source of my personal income and wealth. I suspect they improperly use this information for internal sales purposes. 

Merrill 's agent and their estate team are highly unresponsive. Provided agent does not respond to email requests and does not answer her phone. The overall estate team redirects me back to 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 explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am disputing the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Additionally, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$5500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Canceled by credit grantor Original Creditor : Not available Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$5500.00} Account Type : Credit Card Payment Frequency : Not applicable Credit Limit : {$4500.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated. 
Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act.

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.

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 2024-04-24 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: LEXISNEXIS
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: FL

Complaint narrative:
I have received my credit report from XXXX, XXXX and Transunion. I have contacted XXXX XXXX XXXX XXXXXXXX and XXXX XXXX numerous times and even disputed it with the Credit Bureau. I am requesting a Goodwill Adjustment to remove the late payment ( s ). 

Unfortunately, I am a single mother of XXXX daughters and we lost there father a couple years ago. Since I have done my best to be the best I can be. My middle daughter has XXXX XXXX XXXX and an XXXX XXXX which cause XXXX XXXX XXXX XXXX. There have a been a few mishaps with having to mis work or even loosing my XXXX job as a result of providing care for my daughter during these XXXX XXXX causing a lateness in payment to my bills. However all three credit cards are now current with under 20 % utilization.

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 2024-04-24 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: FL

Complaint narrative:
I have received my credit report from XXXX, Equifax and XXXX. I have contacted XXXX XXXXXXXX, XXXX XXXX and XXXXXXXX XXXX numerous times and even disputed it with the Credit Bureau. I am requesting a Goodwill Adjustment to remove the late payment ( s ). 

Unfortunately, I am a single mother  of XXXX daughters and we lost there father a couple years ago. Since I have done my best to be the best I can be. My middle daughter has XXXX XXXX XXXX and an XXXX XXXX which cause XXXX XXXX XXXX XXXX There have a been a few mishaps with having to mis work or even loosing my XXXX job as a result of providing care for my daughter during these XXXX XXXX causing a lateness in payment to my bills. However all three credit cards are now current with under 20 % utilization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
Please remove these inquiries. I'm unaware of them, and the company did them without my permission.

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 2024-04-24 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:
Remove these inquiries, as I have no information about them, and the company conducted them without my consent.

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 2024-04-24 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: PA

Complaint narrative:
FCRA 605B, I believe, mandates the elimination of any inaccurate accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate concerning reporting, with incorrect amounts and dates 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 explanation
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccuracies regarding reporting, including incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
I am writing to dispute certain items on my credit report that I believe to be inaccurate. Enclosed with this letter is documentation providing evidence that the accounts in question are not accurate. 

The errors on my credit report have caused me considerable frustration and concern. Despite my efforts to address these inaccuracies, they continue to negatively impact my financial reputation. 

I have attached a letter detailing the inaccuracies in question and providing evidence to support my dispute. It is essential that these errors are promptly investigated and corrected to ensure the accuracy of my credit report. 

I demand immediate action to rectify the inaccuracies on my credit report and restore the integrity of my financial profile. Furthermore, I expect transparent communication throughout the resolution process. 

Please provide me with written confirmation of the actions taken to address these inaccuracies and any updates or changes made to my credit report. 

I am deeply disappointed by the lack of accuracy and accountability demonstrated in the handling of my credit report. I urge you to prioritize the resolution of this matter and restore the accuracy of my credit profile without further delay. 

Thank you for your attention to this urgent matter.

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 2024-04-24 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: FL

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 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I'm filing a complaint against wells fargo for charging me a additional overdraft fee of {$35.00} for no apparent reason I spoke to a escalation team representative XXXX badge # XXXX he claims my account was overdrawn by {$30.00} before I overdrawn my account but looking through all my transactions that is false because if it was overdrawn by {$30.00} it would have never let me overdrawn the account if that was the case through all the transactions of the XX/XX/24 there was money in the account the extra overdraft fee I was charged for claims when I made a withdrawal for {$53.00} at the bank that's what I was charged for but I had {$3.00} left in the account so it was never in the negative below I will have pictures showing my account and would like this matter investigated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX applied for venture capital credit card. 
I suppose to receive XXXX bonus miles once I spend {$500.00} on purchases within the first 3 months from Account opening. 
Now the credit card company refused to honor the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: WV

Complaint narrative:
Per Complaint number XXXX Really, you think that because you finally sent me a copy of my credit report. After 18 years of your game playing fighting me to even try to get this. ( At the same time, you continue the ID game. That doesn't say much about a credit bureau, even after the multiple copies of my ID and SSC I have sent you ( Trans Union LLC ) still can't verify my Social Security number? ) Still multiple falsehoods credit report. simply because I filed a complaint with the CFBP, allows you to forget about the last XXXX yrs of multiple moments of Financial, Physical, Mental, and Emotional anguishes. I think not. 

You knowingly and willfully, allowed and continued to allow without my consent or permission. The falsehoods on my report. Refusing me the ability to repair it on multiple occasions. I expect a phone call to discuss punitive damages. That of which you have not yet done. You have my contact information. 

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 explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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