vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: IN

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  continues to open and close my account to reage the original date of deliquency month after month hurting my score. the account was closed with a balance due back in XX/XX/2023 and efforts to resolve the balance were not met by the creditor. I contacted the creditor and asked that late payment be removed to no avail. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report. This is seriously effecting my score and continuing to oppress me as an individual. Because of my score ive been denied employment, credit and housing. I would like to ask that late payments be immediately removed from my credit file across all three beaurus.

It is illegal to open and close the account only in an effort to report.

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 2024-06-17 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: FISERV FINXACT CORE
State: NV

Complaint narrative:
in XXXX my purse was stolen and I filed a police report. Also, I was a victim of the XXXX XXXX XXXX the same year. In XX/XX/XXXX, I went to XXXX and attempted to purchase my items with my checking account. XXXX denied my check. I called telecheck and they told me they had someone with a simillar Drivers License number that had debt on their file that was linked to my XXXX Report. I immediately Disputed the transactions, as they were not mine and that XXXX needs to put them on the other persons XXXX Report and Remove the negativity from mine. I awaited 45 days while they investigated the dispute and I submitted my bank statements, my ID cards, A handwriitten dispute form, a voided check, and the receipt I got at XXXX showing my check was denied by XXXX, my XXXX Report with the items I was Disputing circled, the police report i filed about my purse being stolen and an ftc report I filed about Identity Theft for the XXXX XXXX breach. 
I sent all these documents into telecheck. I WON THE DISPUTE. They sent me a letter in the mail telling me they removed the negative things from my file. a month later Im in XXXX and attempt to write a check- XXXX Denies it. I call XXXX and they tell me I need to wait another 30 days for the XXXX system to reset itself. 2 months later Im at XXXX, attempt to write a check, XXXX still denies it. I call telecheck and Im told theres NEW debt on my account from someone else with a simillar drivers license number. The XXXX operator tells me I have to put in a new dispute and wait another 45 days. So I do. And 4 months later I am at The XXXX and I write a check- telecheck denies it. I call XXXX and they tell me the amount of the check im writing is " to much '' its " above my normal check writing amount '' so the telecheck system wont approve my check. So i write XXXX for a smaller amount- and still denied. So I submitted another dispute. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have had to dispute again and again the same problem with XXXX XXXX XXXX  HAS NOT APPROVED XXXX SINGLE CHECK Ive attempted to write since XX/XX/XXXX. XXXX and a half years they have refused my checks and ive disputed and won the dispute only for them to do nothing to clear my XXXX file or allow me to write my own checks. They even have someone elses bank account listed as my account and they wont take it off. I am so tired of being embarrassed to go shopping and forget my debit card or have to write a check and then put all my stuff back because XXXX denies the payment. Im a victim and Embarrassment and Humility everytime for someone elses debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I saw two money transfer charges, and one transfer fee charge, on my Citi card. They originated in XXXX, TX. I live in XXXX, TX. I never carry this card on my person. I keep it locked in my office, and used it for my husband 's caregiver charges. The charges are definitely NOT what I would do. I repeatedly asked Citi to take the charge off my account. After a month of " investigating '', they refused to take the charges off the account. I have referred the matter to the Attorney General in Texas, and now I'm referring it to your Bureau, also.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX # XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX/XXXX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry 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 2024-06-17 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:
It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
This is my second filing on the same issue. American Express issued a check for the {$100.00} e-giftcard, but not the {$25.00} e-giftcard. 

Hello, I received two American Express e-giftcards from a company. One for {$25.00} and another for {$100.00}. I successfully activated both cards, but after multiple attempts across various retailers I was never able to access any of the funds. Big companies including XXXX and XXXX declined payment. I contacted American Express customer service and they were not able to re-issue the e-giftcards or offer any solution on how to actually use or access my money. These virtual cards are declined online and via XXXX XXXX XXXX XXXX no one will take these cards. I call AMEX customer service again today and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my two unusable virtual cards to a physical card. They can not offer me a refund. They have suggested I " keep trying, perhaps at XXXX or XXXX ''. I asked if they would issue a physical card with my information attached ( since that is why they claim merchants are declining the cards ) and they said no. They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. This system seems designed to skim a few dollars from American consumers. Today, customer service specifically told me that if I can not successfully use the e-giftcards before they expire ( one does in XX/XX/year> and the other in XX/XX/year> ) then I will lose the total amount and there is nothing that can be done. They have falsely advertised that their gift cards can be used anywhere that accepts American Express cards. On my e-giftcard it is the very first line! " Use at U.S. merchants that accept American Express Cards '' This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. I have been unable to use their cards for months after multiple attempts. My money is inaccessible. All I want is the total balance on my cards in cash/check. I am happy to submit the relevant card information and balance if needed. Thank you for your help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-17 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: IN

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2024-06-17 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: IN

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2024-06-17 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: FL

Complaint narrative:
XXXX XXXX XXXX ACCOUNT NUMBER-To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

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

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

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rubin Lublin, LLC
State: TN

Complaint narrative:
XXXX aXXXX XXXX XXXX Forged the Deed of Trust to my property on XX/XX/year> without my acknowledgement or Consent. It it unlawful to Generate a deed of trust as a Service Provider in the State of Tennessee without the Consent of the Owner. The Attorney acting on behalf of XXXXhese Company 's have sent threatening letters of foreclosure holding No Original Note and a Cloudy deed of trust that was forged. Rubin Lublin has not Verified or Validated the debt or Provider the Original Creditors Information as Requested.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I've been battling an account from Wells Fargo on my credit report for sometime now and it's getting ridiculous. Wells Fargo reports a credit card as charged off yetis showing an owed balance. None of the information on the credit report is identical therefor makes it inaccurate. Additionally, contrary to the cardmember arbitration agreement, in XX/XX/year> Wells Fargo filed a motion for judgement to garnish my wages. According to the cardmenmber agreement, upon accepting the card both myself and wells fargo WAIVED the right to trial by jury or judge yet they proceeded. I am at this point willing to file suit for violating the terms of the cardmember agreement and violating my consumer rights under the FCRA.

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 2024-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX, the mortgage division of Chase unilaterally changed the interest index long-applicable to our home loan from the XXXX rate to something called the XXXX rate. The change was not done in compliance with the terms of our loan, which required both explained compatibility between the old index and the new index, and transparency in the process. Instead, Chase simply sent a letter announcing the change, without explanation of its work process. To our research, the XXXX rate does not look compatible at all. The net effect was to force our interest rate up 2.5 % ( 2 % in XXXX, .5 % in XXXX ), to the very ceiling of the interest rate allowed by the loan terms. Chase also did not explain the timing of the notice of index change or the rate hikes, as notice appeared both substantively and procedurally deficient. 

Based on the terms of our mortgage loan, requiring both compatibility and transparency in the result of any change in interest rate index, I attempted to ask the following questions of Chase 's loan servicing customer service unit, and then, failing any meaningful response from a team clearly not trained well in well in the index transition, to the escalation team, supervised by XXXX VP XXXX XXXX XXXX and delegated to escalations agent " XXXX '' XXXX How were the XXXX and XXXX indices " compatible, '' as required by our loan terms, with support for that determination. 
When was notice of the change of interest index due? It would seem that at least 180 days would be reasonable, but certainly no less than XXXX. 
How were the interest rate increased calculated and arrived at under the next index? The notice letter did not explain this in a transparent way. 
When was notice of the interest rate change required? Again, at least 90 days before the months it would kick in, to allow for planning and questions, would seem appropriate. 
What training was done at the Chase customer-facing levels ( customer service, escalations ) to ensure a smooth, compliant, and capable transition to the new rate, with questions of the sort above able to be supportably answered? Training appears entirely deficient. 

Chase 's mortgage customers, including our family, deserve straightforward and supported answers to these questions. Even at the escalation levels, through XXXX XXXX and escalation agent " XXXX, '' who seemed entirely not up to the task, was unwilling to research the answers, and disregarded a planned phone call without advance notice of absence, there was no meaningful assistance, and no compliance with our consumer rights. Kindly investigate and respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Unfroze my credit report with Experian. I have given it a few days and it is still frozen. I tried to freeze it and in unfreeze it. Still says its frozen. When trying to call a variety of different phone numbers it asked for information and if there is the slightest amount of noise it just says sorry says unable. The one time I was able to advance the phone tree it gave me a link for the website contact information. On the website it says the contact phone number that I just tried. Using XXXX and my mortgage lender we have tried different numbers. When calling I ask talk to someone about my credit freeze being frozen when I unfroze it the phone system responds with sorry and then hangs up on me. Ive spent multiple house over this over multiple days. I am about to lose my closing date on my new home and also burden our title company, realtors, and mortgage lenders.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  # XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX/XXXX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  # XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX/XXXX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: FL

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.

"

Company response to consumer: Closed with explanation