vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: NC

Complaint narrative:
I recently obtained a copy of my credit report and noticed a series of late payments being reported. I immediately contacted Transunion and XXXX because the late payments being reported are inaccurate. The late payments showing on my account from XXXX and XXXX were covered during the pandemic and covered by the CARES ACT. I contacted creditors directly when affected with my hardship to setup an accommodation to ensure my credit would not be affected. Both accounts have been paid as agreed and closed. I was assured that my account status would remain " current '' during this period. 
Furnishing the late payments to my profile is in direct violation of FCRA law 15 USC 1681 s-2 ( f ). I'm assuming this is billing error, but this also further violates my consumer law specifically 15 USC 1666B. I have requested verification from Transunion and XXXX with no response. These late payments showing from XXXX ( XX/XX/XXXX ) and XXXX ( XXXXXXXX XXXX  ) are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: TN

Complaint narrative:
I have consistently informed you about inaccuracies in my credit report, which persist in violation of XXXX standards. Despite previous notifications, these errors persist, adversely affecting my credit profile. I demand prompt corrective measures to rectify these inaccuracies to avoid further harm and adhere to the Fair Credit Reporting Act ( FCRA ). Failure to promptly address this matter may lead to legal action, including arbitration. Your immediate attention to this issue is crucial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: FL

Complaint narrative:
15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
2 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. request a thorough investigation into these inaccuracies.

3 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I filed a claim of fraud because someone I did not authorize used my card to purchase a rental car on XXXX. I have two cars that Im paying a car note on so renting a car for doesnt even seem logical for me to do especially the day after paying my car note! I called the bank they placed the funds in my accounts then took the money back today XX/XX/2023. I do not have a XXXX account the account could not have been in my name I NEVER authorized this purchase and Im so upset about my account being negative! When my check gets deposited it will take my whole check for something I did not do!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX XXXX XXXX through Chase on XX/XX/XXXX and realized that I applied through the wrong link and would not get the welcome offer that I wanted. I had applied through a referral link ( XXXX free nights welcome offer ) when I wanted to apply directly through the XXXX website ( XXXX points welcome offer ). 

I called Chase Customer Service on XX/XX/XXXX about the issue, and the agent that I spoke to at XXXX XXXX PST told me that they could not switch the welcome offers, but we could submit a rejection for the card. 

I specifically asked if there would be any repercussions, and she stated that there would be none besides the points docked from my credit file for the inquiry. She said it would be as if I had never applied for the card. The card would be closed and removed from my account history, and I would be free to apply for the same card again after 24 hours. 

I submitted a new application for the same card on XX/XX/XXXX at XXXX XXXX  PST. It was not approved, so I called Chase again on XX/XX/XXXX. I spoke to four different departments, and they told me that my application was rejected on the reason that I already had a card of the same type. The agent I spoke to on XX/XX/XXXX had given me the wrong information. The card could not be removed from my account, and I would need to wait 30 days before applying again. The card would also remain on my credit file as a cancelled card. 

The last person I spoke to was an Account Manager at XXXX XXXX PST. He repeated " Whether or not [ the previous agent ] gave you the wrong information, you would be in the same place now. '' I gave the time stamp of the original call with the previous agent, as all calls with Customer Service have a recording, and he said, " That's nice, but there's nothing we can do. '' I requested some type of compensation or consolation, as the only reason why I went ahead with the cancellation and reapplied was on the incorrect information the Chase agent gave. He refused and said he is unable to provide any type of compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: WI

Complaint narrative:
I sent mulipty dispute letters and this company is not following your rules. I want a full investigation on the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am concerned about the validity and accuracy of their recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
Destiny credit card randomly shut off my access to this account and requested a copy of my ID to verify my identity. I sent them a copy of my ID, but they then closed my account. I had a XXXX balance when I last had access to the card. I do not recognize the balance they are reporting nor have I ever been late on a payment on this account. They are reporting me 60 days past due and decimating my credit score and report. They are unwilling to work with me and I have no other recourse to get this negative and false reporting removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/2023 I noticed two charges on my CashApp Statement that I did not make. Using the app, I disputed the charges, Since this has happened before with the same merchant, I called CashApp to see if that merchant could be blocked from charging my account, and the representative I spoke with cheerfully blocked the merchent and told me to have a nice day. The following day my card was canceeld with no warning or reason and both of my disputes were denied. I tried repeatedly to reach them through phone, email and the chat function within the app and they refused to tell me why this happened. On XX/XX/2023 they sent me an email saying that my disputes were flagged as fraudulent so they were denied and my account was being canceled for violating their terms of service. I have been a customer of CashApp for many years. I have NEVER violated their terms of service, I did NOT make those charges and CashApp had no right to deny my claims or cancel my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: GA

Complaint narrative:
After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by an individual going by the name XXXX XXXX which involved me making deposits for a total amount of XXXXXXXX XXXX from my PayPal account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE NOT MY ACCOUNT I HAVE NO KNOWLEDGE OF THESE ACCOUNT NOR DID I AUTHORIZE ANYONE TO OPEN THESE ACCOUNT IN MY NAME. THESE CREDITORS ARE VIOLATED SO MANY OF MY RIGHTS AND I WILL LIKE THESES ITEMS REMOVED OR I WILL HAVE TO SUE THESE COMPANIES FOR EXPOSING MY PERSONAL INFORMATION. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY. PLEASE PROVIDE ME WITH A CONTRACT WITH MY WET SIGNATURE. 

In accordance with the Fair Credit Reporting dct.

The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX has violated my rights. 

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 an accordance with the written my instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Santander Customers Car loan on XX/XX/24 for my vehicle. The customer service inform me that in order to obtain the vehicle back in possession, I would have to give them {$2000.00} +. I informed them I don't have the money and she told me I would have to make an appointment with the repo to retrieve my personal belongings. I went to the repo on Wednesday morning at XXXXXXXX XXXX and all my belongings was taken out of the vehicle and car plate, was in a bin.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/2023, I received a letter from my mortgage servicer ( Select Portfolio Servicing, Inc. ), ( after my previous complaint to the CFPB ) which stated they had sent additional funds and exhausted my restricted escrow account funds. In response, I began contacting SPS to report the information sent was inaccurate and there should have been another {$7800.00} remaining in my restricted escrow. I have yet to receive confirmation of the restricted escrow balance. I have called on 6 different occasions and keep getting told there is no resolution and that a supervisor will call back within a few days. To date, I have not received any calls or other means of communication to settle this issue. When I asked to speak to a supervisor during todays call, I was advised they were too busy returning calls to take my call. As of today, SPS  has deposited {$64000.00} in insurance proceed checks from my claim and have disbursed checks totaling XXXX. The restricted escrow balance should be {$14000.00}. However, I was advised by their representative today that my current balance is {$6200.00}. 

I am at a loss to understand how this matter has not been resolved in the six months since I have brought it to their attention. Considering SPS is apparently using some arbitrary system of inspections ( which has never been explained ) to determine the percentage of completion for the repairs, an accurate escrow balance is vital to ensure that their clients receive funds that are proportional to the repairs completed. As of now, after spending over {$100000.00} in repairs out of pocket, SPS is indicating we have only reached the 25 % repair threshold ( which is ridiculous ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX I notified Navy Federal that an unauthorized XXXX DEBIT Transaction in the amount of {$1000.00} appeared on my Account. 
On XX/XX/XXXX, I was directed to contact ( XXXX @ XXXX on XXXX ). XXXX forwarded me to talk with ( XXXX @ Navy Federal Credit Union ) to resolve the fraudulent transaction. 
I have explained to Navy Federal that the the last Loan payment made to XXXX was on XX/XX/XXXX. The Loan account has since been closed/paid in full with XXXX XXXX XX/XX/XXXX. I also have told XXXX XXXX that I did not initiate the XXXX DEBIT transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclays XXXX XXXX XXXX XXXX XXXX keeps lowering my credit limit for no reason. I have never missed a payment, always make more than the minimum payment and have the income to support the credit card. I can only assume that there is an issue with age and gender discrimination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: DISCOVER BANK
State: KY

Complaint narrative:
XXXX, Discover Home Loans wrote me several letters saying they did not have my homeowners insurance on record. I have homeowners insurance and I sent them the information for it. After a lot of back and forth, they admitted to receiving it after first denying that i had sent it. 

XXXX XXXX. Discover Home Loans is saying they don't have my insurance on file. I sent it to them again on XXXX. Today, XXXX i received a demand letter intimidating me into sending them more information to some third party. i sent them my proof of homeowners insurance to the Upload Documents section of their website that is marked " INSURANCE ''. they have the information. they keep losing it and sending me letters. i want this to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: OK

Complaint narrative:
I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681 e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC e ( b ). 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They must be XXXX because everything is inconsistent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: FL

Complaint narrative:
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries in 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 non-monetary relief
Consumer complaint received 2024-01-05 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: GA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: WI

Complaint narrative:
I sent mulipty dispute letters and this company is not following your rules. I want a full investigation on the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am concerned about the validity and accuracy of their recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

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