vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 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:
Equifax told me to send my ID AND Social along with a form. I strongly objected but sent them regardless. They were received per tracking order priority mail, ( XXXX ). Needless to say they only admit to receiving the form but not the copy of my id and social security card which were placed in the same envelope. They offer me no other way to send in my documents and a tracking number means nothing when they out right refuse to admit they got the documents. My credit continues to suffer and I am unable to see my Equifax credit file. I have done everything in my power to solve the issue but Equifax refusal to hold its self accountable is a Huge problem. I guess the next step is litigation. Because Equifax is unhinged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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:
XXXXDOFED XXXX XXXXXXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXX/DOFED - XXXX U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE US DEPT ED - XXXX - U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE. 


INQUIRY - CXXXX XXXX XXXX XXXXXX/XX/XXXX - NOT MINE INQUIRY - XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY - XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY XXXX XXXX XXXX - XX/XX/XXXX INQUIRY XXXX XXXX XXXXXXXX XX/XX/XXXX INQUIRY - XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY - XXXX XXXX XXXX XX/XX/XXXX INQUIRY - XXXX 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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

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 2024-05-28 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: CA

Complaint narrative:
On XX/XX/XXXX, I made an online purchase of a dress on Macys.com using Macys credit card which is Citibank ( Order # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX size XXXX ) and received it on XX/XX/XXXX for the value of {$620.00}. The dress did not fit my body and immediately I packed it and shipped it back expecting a refund. I tracked the dress shipment using the tracking number provided by XXXX - XXXX - The dress shipment was delivered to XXXX XXXX  which is the seller on XX/XX/XXXX and signed for by XXXX XXXX employee " XXXX. '' Until today, I never received my refund for this returned item. On XX/XX/XXXXXXXX, I made an online purchase of XXXX dresses on Macys.com using Macys credit card which is XXXX ( Order # XXXX and Order # XXXX for the same XXXX XXXX XXXX XXXX XXXX size XXXX and XXXX ) thinking that the bigger sizes might be a better fit for me and received it on XX/XX/XXXX for the value of {$620.00} + {$620.00}. Both dresses did not fit my body and immediately I packed both dresses and shipped them back to the seller. I tracked the shipment and both dresses were delivered back to the seller. I received my refund of {$620.00} + {$620.00} on XX/XX/XXXX. On XX/XX/XXXX, I started reaching out to Macys and XXXX XXXX inquiring about my refund but I could not reach any resolution. XXXX XXXX sent me a message back saying that " Due to insufficient balance on our payable balance with Macys, we can not issue a refund right now. '' On XX/XX/XXXX, I filed a dispute with Macy 's credit card Citibank concerning my un-refunded returned dress that was delivered back to the seller and received by the seller on XX/XX/XXXX. However, to my surprise, Citibank replied to me saying this dispute is already resolved because you already received your refund on XX/XX/XXXX for the amount of {$620.00}. I called them to explain that this is completely incorrect and the refund of {$620.00} + another {$620.00} is for two entirely different orders. I am still missing my refund of {$620.00} from order # XXXX which was delivered back to the seller on XX/XX/XXXX and I have the tracking information to prove that they received it. Until today XX/XX/XXXX, I have not received my refund of {$620.00} and no one is helping me with the resolution of this issue. I am desperate for 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 explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-28 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-05-28 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: NC

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TX

Complaint narrative:
Hello, I recently reviewed my credit report and I noticed there were some unauthorized hard inquiries that I did not authorize on my credit report. I'm requesting these inquiries on Transunion be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks for your time!

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 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: LA

Complaint narrative:
I am writing to file a formal complaint against National Enterprise Systems ( NES ) regarding their unethical and potentially illegal debt collection practices. Despite my efforts to resolve this matter amicably, NES has failed to provide adequate validation of a debt they claim I owe, and their conduct during communication has been highly intimidating and misleading. 

On XX/XX/year>, I sent a certified letter to NES requesting validation of the debt they are attempting to collect from me. Despite the legal obligation to respond within a reasonable timeframe, NES has neglected to provide any response to my inquiry. It is important to note that I have never entered into any agreement with NES, and their attempts to collect this debt lack any legal basis. 

Furthermore, during my recent conversation with a NES representative on XX/XX/year>, the representative exhibited an intimidating demeanor and spoke rapidly, making it impossible for me to comprehend the information being conveyed. This communication style creates a significant barrier to understanding my rights as a consumer and only serves to exacerbate the distress caused by NES 's actions. 

Additionally, NES has consistently failed to provide sufficient documentation or proof of the validity of the debt they claim I owe. Despite my repeated requests for verification, NES has not produced any evidence to support their claim. This lack of transparency raises serious doubts about the legitimacy of NES 's collection efforts and suggests that they may be engaging in deceptive practices. 

Moreover, I have reason to believe that NES is violating consumer protection laws by attempting to collect debts that are beyond the statute of limitations and employing deceptive tactics to coerce payment. These unfair and potentially unlawful practices must be thoroughly investigated and addressed to protect consumers from further harm. 

I urge you to conduct a comprehensive investigation into the conduct of National Enterprise Systems and take appropriate enforcement action to ensure compliance with applicable laws and regulations. Additionally, I request that you provide me with guidance on how to proceed in resolving this matter and protecting my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

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 2024-05-28 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: MA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX XXXX Acct # 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 2024-05-28 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: MA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a credit card with some " balance transfer '' with a 0 % APR promotional rate that expires in XXXX. I also have some balance from purchases whose 0 % APR expired last period, XX/XX/year>. I gave an extra payment to pay the balance from purchases and keep only the no-interest balance. The Bank applied these extra payments on XX/XX/XXXX to my interest-free " balance transfer '' balance, instead of to my " purchases '' balance which was already accruing interest. 

I called the company two times. 

The first time they said I had to pay my balance in full to avoid interest. 

Later I researched a bit and found out there is a law forcing them to allocate extra payments to higher interest debt first. 

I called again, and they said that when I gave the payment, the purchases balance was still under a 0 % APR, so both balances were equivalent regarding interest, and he said that purchases balance had a 'lower ID ' or something like that. 

However, that means there was no way for me to avoid that interest because any payments would have gone to the balance transfer balance anyway, which makes their process fundamentally flawed and designed to charge interest when two 0 % APR with different expiration dates co-exist in the same account.

In fact, they've been applying one year 's worth of minimum payments ( which are calculated based on the total statement balance ) to the " balance transfer '' balance, despite that balance expiring later than the purchases balance, and thus being less likely to cause interest charges.

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 2024-05-28 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations. 
It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 
Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX XXXX XXXX XXXX  statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance otherwise every single item even each or all of the relatedregulations, mentioned or that if any or each item being reported is challenged for its legal reportability.I request verifiable physical evidence to prove the existence and permissible usage of the account. If this evidence is not provided, I expect the account to be removed from the report. You have my authorization to send me physical documentation of your actions and an updated credit 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 non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: GA

Complaint narrative:
On XX/XX/year>, I was checking my credit report when I noticed a negative entry from a company called True Accord. The company placed a negative entry on my report for a debt allegedly owed to XXXX. True Accord did not provide me the opportunity to dispute this debt before placing on my credit report causing my credit score to drop. Furthermore, the company is trying to collect a debt that is not valid. In addition, I did not receive written notification of this debt I had to review my credit report to learn of the action by this company in placing a negative entry on my 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 2024-05-28 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: MI

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

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 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 2024-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
In XX/XX/XXXX, JPMorgan Chase, N.A. I bought my mortgage loan from XXXX XXXX XXXXXXXX, according to all the information I received from both parties, I was informed that I did not have to do anything about it, it was automatically added to my Chase account. and my wife 's, everything that corresponds to my mortgage credit account appeared, including the escrow account, which has a complete summary of how they will distribute all the payments that correspond each year, such as the payment of property taxes., the payment of mortgage credit insurance and the payment of insurance for property coverage among others, all of XXXX until the beginning of XXXX, JPMorgan Chase Bank , N.A . I sent a letter by postal mail stating that my policy is about to expire and they implied that they do not have any information about it since said insurance has never changed companies, this service continues to be from XXXX XXXX XXXX XXXX XXXX XXXX since The property was acquired on XX/XX/XXXX, my wife and I have kept all payments up to date as appropriate, according to the original mortgage loan contract and we have spent terrible days thinking that our property could be left without coverage since the day Friday, XX/XX/XXXX, we went to the JPMorgan Chase branch located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, where we were very kindly assisted and helped to find out what was happening. At the branch, they called the JPMorgan Chase Mortgage department. They acknowledged having the information and that they had forgotten to make the payment for the renewal of the policy from our escrow account which has always been up to date, this has surprised us since I have been a client of this Bank since XXXX and I never thought that something like this would happen to me were to happen, our biggest concern is that said property is located in the City of XXXX XXXX in the State of Oklahoma. In recent weeks several XXXX events have occurred around. We do not want to have our property unprotected due to the irresponsibility of Those who manage our mortgage credit at this time, we believe that there must be actions and consequences when we place all our financial trust in this Banking Entity, I appreciate all the help that you can give us and guide us so that no one ever has to go through this experience again. so disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TN

Complaint narrative:
This is my second notice of these fraudulent accounts on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, these fraudulent items have to be blocked and deleted from my report.

Company response to consumer: Closed with non-monetary relief