vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-07-10 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a credit card on my credit that is making my credit look very bad .I have never personally Went on capital one and got a credit card! Someone else used my information. I also had addresses on my credit that I never lived at .Please dispute this XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
my name is XXXX XXXX i have XXXX cd with pnc bank, XXXX XXXX, XXXX XXXX XXXX NJ XXXX as follows XXXX XXXX XXXX XXXXXXXX -- XXXX XXXX -- XXXX XXXX -- XXXX i made this cd on XX/XX/XXXX for 4 months. i had been told when we make cd it will be renewed itself with same time frame of 4 month. after XXXX months pnc bank renewed the cds without informing me on XX/XX/XXXX for XXXX months instead of XXXX months. 
XXXX month cd interest is near XXXX percent & XXXX months cd interest is XXXX so thats why bank renew for 3 months even XXXX was for 4 months originally. 
this kind of change of time frame without informing me is not right and i am facing the huge loss with this, bank supposed to renew the cd for the same time frame with whatever interest at that time instead of lowest rate time frame

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a Chase Sapphire Preferred XXXX credit card. My husband is an authorized user on the account. The card terms allow for the transfer of rewards points to XXXX XXXX XXXX ( airlines, hotel groups etc. ). I encountered a problem when attempting to transfer points from the card account to a XXXX XXXX XXXX. After multiple exchanges with Chase I was told I would be unable to transfer points to the XXXX XXXX  account of the authorized user even though this is an option advertised by Chase and this option appears on the transfer webpage. As I understand it, Chase has coded their system to only accept last names up to a certain number of characters. My husband, the authorized user, has a last name that exceeds the number of characters that Chase has programmed into the XXXX XXXX Therefore we are unable to avail ourselves of this benefit although we were at no point prior to this incident told that his last name would be a problem and he has been making purchases with the card as an authorized user. His full legal last name as it appears on all official documents is the name we provided. I do not think Chase 's conduct complies with the terms and conditions of the cardholder agreement and it arbitrarily excludes certain users from accessing cardholder benefits based on the length of their legal last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: TX

Complaint narrative:
XX/XX/2024 I called XXXX XXXX  in XXXX Oklahoma trying to get my transcript due to the law that was passed I spoke to XXXX and she informed me that I had to resubmit a form and she will give me a call back and let me know where to go from there I have reached back out on XX/XX/2024 due to not hearing from her and she had someone tell me they denied me due to I didnt have federal funding, but I did have federal funding and I know for a fact thats why I wasnt able to finish school because my fasfa was over and she will not send my transcript or speak to me about it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: TX

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: MD

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 is the item I am asking you to verify as accurate : XXXX  XXXX XXXX Account Number XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: MD

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 is the item I am asking you to verify as accurate : XXXX  XXXX XXXX Account Number XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached the comprehensive documentation submission for the CFPB and its Senior Leadership to review. This documentation was submitted to Equifax to remove adverse information that was a result of XXXX XXXX. I am asking that the leadership examine all documents and request that Equifax respond to the Consumer Financial Protection Bureau ( CFPB ) to specify the information that they are unable to verify, and why adverse information is still reflected on my credit report. 

I DID NOT give Equifax nor its representatives permission to access any of my sensitive personal health records to verify XXXX XXXX status. Equifax and its representatives are disobeying laws set by Congress as they are creating barriers to keep innocent Americans stuck in negative credit reporting. Equifax has declined my request to remove adverse information that resulted from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX stating that they are unable to verify XXXX XXXX XXXX status. 

Please keep in mind that CFPB has taken regulatory and enforcement actions to strengthen the consumer reporting and furnishing systems. Consumer reporting companies failed to block or remove information related to XXXX XXXX. Examiners found that Equifax refused to honor consumer requests to block information associated with XXXX XXXX based on overbroad AND unauthorized criteria. In response to the CFPBs findings, the involved consumer reporting companies were required to take corrective actions. For example, CFPB examiners directed consumer reporting companies to revise their compliance processes to ensure that they process all XXXX XXXX block requests per the law. In XXXX, Congress passed the Debt Bondage Repair Act, forbidding consumer reporting agencies from including negative information related to XXXX XXXX XXXX XXXX in consumer reports. 

A consumer reporting agency may not make a determination based on the validity of the facts or circumstances in the consumers XXXX documentation submission. A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item of information resulted from a XXXX XXXX XXXX XXXX  in persons or XXXX XXXX under the Rule. A consumer reporting agency may only decline and rescind a block if a victim determination letter has NOT been provided. Equifax does not have the authority to dispute victim determination documents NOR conduct unauthorized verification of protected health information that a facility is not allowed to disclose under HIPAA rules and regulation. 

I should also mention that XXXX, who have followed the law set by Congress and signed by President Joe Biden, had everything completed by XX/XX/XXXX. XXXX prompt service has shown the barriers and harm that Equifax has created to not only harm me, but to others facing the same ordeal. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Mortgage is Mr. Cooper reference loan # XXXX. XXXX has been paid off as the property was sold XX/XX/2024. Property address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

I submitted an inquiry with my local XXXX XXXX at XXXX XXXX XXXX trying to locate a payment made by the mortgage company for property taxes on XXXX XXXX 

There were XXXX reimbursements made to me due to XXXX exemption. Since I knew, the escrow was going to go on negative, I made the payment due on XX/XX/2024 to the county ( see attachment named XXXX XXXX XXXX payments ). 

The county explained they have only received XXXX payment, with my name on it. They are asked for evidence that the mortgage company sent a payment of {$1900.00} as noted on the XX/XX/2024 statement. They did an inquiry and there are no duplicate payments received ( see attached email from XXXX XXXX tax office ). 

In short, I believe the payment must have been returned since my payment arrived first. 

Mr. Cooper does not offer a phone number for customer service support, they have chat option that really doesn't work and you have no way of validating information. I have emailed them like 3 times to the XXXX XXXX XXXX that manages their escrow accounts. In late XX/XX/2024 I used the chat option and the rep on the other side said that the payment was returned from the county and that I should see the reimbursement soon which has not happened. Yet they have not produced a copy of the payment sent to the county for the property taxes. 

I used the message option with them asking for help one more time to no avail. Reason why I'm submitting a complaint. 

While XXXXhe county maintains only one payment was received, recently the XXXX XXXX XXXX XXXX XXXX pleaded guilty for stealing tax payment money. See the link below. 

https : XXXX I wanted the mortgage company to produce evidence of the payment as they list on the XX/XX/2024 statement to make sure my case is like XXXX of those listed with the XXXX XXXX XXXX indictment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-10 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: FL

Complaint narrative:
My account with ( XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: IN

Complaint narrative:
I do not have a contract with the current creditors. Please remove the following accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I signed up and was approved for a Citi Bank checking account using a link that had a promotional offer of earning {$300.00} after doing two or " Enhanced Direct Deposits '' totaling {$1500.00} or more within 90 days. The deposits were completed and I never received the bonus. I called Citi Bank customer service to inquire about the bonus status, where they stated there was no bonus attached to the account. I explained I signed up directly through the link that had the {$300.00} bonus, and that it was a public offer so that couldn't be the case, but they reaffirmed the bonus was not attached and I would not receive one. My husband signed up through the same link and received the bonus completing the same requirements, and after trying to escalate the matter further, the supervisor said she could not open an additional ticket because the offer link not being substantial proof. She simply stated that bonus was not attached, despite me signing up directly through the link advertising the bonus and completing the requirements within the specified time frame within the terms, and using the offer link within the valid dates. Like I said before, my husband signed up for the same account on the same day and received the bonus completing the same requirements, so there is no valid reason the offer should not be attached or should at least be honored.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
The company confirmed my request and now randomly deducts from account causing me to be in the negative randomly. I have contacted them multiple times in writing and they responded so they know.

Company response to consumer: Closed with explanation