vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 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: MA

Complaint narrative:
After reviewing my credit profile, I identified discrepancy with my account and validation was requested as this was account I did not recognized I reviewed my account again and the accounts continue to reflect on my credit report and I have not received any correspondence from creditors to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a second certified letter was sent out. These company are reporting fraudulent inaccurate information on my credit report. I requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me 15 U.S.C 1681. These account continue to affect me negatively.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX, XX/XX/21. My XXXX to XXXX according to XXXX XXXX of rescission. They have been none compliant and has not offered a remedy to resolve the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX, XX/XX/21. My XXXX to XXXX according to XXXX XXXX of rescission. They have been none compliant and has not offered a remedy to resolve the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written 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 explanation
Consumer complaint received 2024-01-06 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saving that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account NumberXXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: OK

Complaint narrative:
Selene finance Lp took over as the servicer of this loan beginning of XXXX. The note originator had it set up that the first 4 full payments of the mortgage would be held from the cash out refinance amount in an impound to go towards the first 4 payments. The previous servicer followed this rule the one month they had the loan. This was then sent to XXXX and they started pulling direct payments out of my bank account as of XXXX while bypassing the impound that was sitting there for the first 4 payments. I contacted the servicer rep XXXX XXXX and the loan broker and note holder. XXXX emailed back XX/XX/XXXX stating they would return the incorrect draw and it would be about 3 days for me to receive it. I have since sent tons of emails and called multiple times and talked with the broker and note owner who both agree with me that what XXXX is doing is criminal. I have demanded over and over the return of funds and they said they would. XXXX also normally only respond one time over a 2-3 week period. Most of the time calling their phones they just hang up. They then as of XX/XX/XXXX pulled another wrong payment directly from my account. I was not to make any payments until XXXX however now XXXX is holding onto this extra money in their impound account and having a great time charging me double. Currently to dates they have taken {$2500.00} in wrongful draws. While holding onto an extra {$3800.00} in impound.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
On XXXX XXXX XXXX I went online to make my mortgage payment. The amount due was {$2100.00}. The next day I looked online and saw that the payment had posted. On XX/XX/XXXX I received a check from the company for the same amount I had paid. I called the company and was told that I had made a double payment so they were sending me the money back. I asked them if they were sure and I could cash this check. I was told that I could cash the check. On XX/XX/XXXX I went back online and noticed that the payment had been reversed, showing me as not making my payment. I called them and explained what had happend and what they did and they said I would have to make the payment again. Even though this is their fault I am having to pay for it. 
I called and spoke with a team lead by the name of XXXX and was told that I just needed to continue making my payments and not worry about being behind. 
I also called and spoke with someone in financial assistance about being a month behind and could they put the payment at the end of the loan. I was told that they could not do that because I was not 4 months in arrears and that being a XXXX  this would look bad for me. I told them I was concerned about being a month behind and being charged late fees. I was told not to worry about it and to keep up with the late fees if I can. 
I went online to make my next payment at the end of XXXX and a few days later I noticed that the payment was showing as reversed. I called the company again and was told they would not apply the payment until they receive all of the money. 
Their mistake is causing me to be a month behind which I am not. I make my payments on time every month and I care about my credit. This will eventually affect my credit. 
I believe this is their mistake and I should not have to pay for their mistake. I would like to have this resolved by them bringing my account up to date. 
I am attaching copies of the payment history which shows what they have done with my payments.

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 2024-01-06 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: TX

Complaint narrative:
TRANSUNION & XXXX OF XXXX is breaking the consumer law pertaining to Acct # XXXX and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING XXXX DEMANDING this ACCOUNT be corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation stress if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE XXXX 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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was looking through my credit report and saw some hard inquiries that do not belong to 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 2024-01-06 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 XX/XX/2023 I am reporting a fraudulent inquiries found 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 2024-01-06 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: CA

Complaint narrative:
I recently reviewed my credit report and I was shocked to learn that I have an account in my credit report that is inaccurately reporting. 

XXXX XXXX is violation 15 U.S CODE 1692d- Harrassment or abuse

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 2024-01-06 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 submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: IL

Complaint narrative:
I have 4 hard inquiries on my Transunion report that are not showing on my other 2 reports from XXXX  nor XXXX. I have identified the inquiries below and request that transunion remove them. They are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-06 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: CO

Complaint narrative:
Tried to use an American express gift card on XXXX and keeps being declined apparently due to no address on the card. I attempted to call the company and sat on hold for an hour before deciding to hang up and find a new solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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:
EXPERIAN, XXXX XXXX XXXX XXXXXXXX is breaking the consumer law pertaining to and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING IM DEMANDING this ACCOUNT be corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation stress if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE

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 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I bought XXXX tickets XXXX on XXXX XXXX Amex. 

I purchased Trip Guard for all XXXX tickets. 

I am Amex XXXX. Card ending : XXXX. 

On XX/XX/XXXX I called and cancelled one of the travellers, XXXX XXXX and claimed trip guard insurance. Horrible service, took almost two hours. 

Recently I got an email from Amex saying XXXX XXXX refused to pay insurance because XXXX had given me airline credit. I called XXXX they said no credit had been issued nor had they even been contacted by Amex. 

Amex has engaged in insurance fraud. They offer and sell trip guard insurance and then deny coverage on false arguments. 
I spent 1 hour on calls today with Amex, one employee hung up the phone, others offered no solution. Fraudulent and egregious conduct. 

I demand reimbursement of the price I paid for useless trip guard or coverage for the XXXX XXXX ticket. 

In parallel to complaining directly to Amex I am filing complaints with XXXX, CFPB and FTC. 

I will also be cancelling my Amex cards this year. 

Trip ID : XXXXXXXX XXXX XXXX XXXX. 

Trip Cancel Guard Identification Number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I've had a Paypal account for a long time, including a credit card and credit line. During this time, my account has been linked to XXXX XXXX for payments. For some reason, these accounts became un-linked several months back. I attempted numerous times through the Paypal website to link the accounts again, and kept getting an error message. I contacted XXXX XXXX, who told me they showed no attempts from Paypal to re-connect the account, and the issue was on Paypal 's end. So I reached out to Paypal, many, many times, via e-mail, their chat option, and by phone. Their customer service agents were unhelpful and usually told me some combination of a ) they couldn't help me, and b ) I needed to go to their website to link the accounts ( which wasn't working ). There were also multiple times where I couldn't get ahold of anybody, and times where their agent would tell me they were transferring me ... and then the line would just disconnect. Nightmare experience, and in the meantime, I was racking up a huge amount of late fees, penalties, hits to my credit, etc., and their collections dept. started blowing up my phone trying to collect ( even though I was trying very actively to pay! ) Finally today, after months of this, I got ahold of a very friendly and helpful lady at Paypal, who quickly identified a simple issue in their system and fixed it in about 10 seconds. It was basically along the lines of " oh I see here, you're not connected to XXXX XXXX in our system. There you go, I've fixed it. '' I have no idea why none of her colleagues could do this during the previous phone calls, although I could guess. Many of the agents I'd spoken to were unfriendly, and didn't appear trained or empowered to hep resolve my issue. 

So of course my next question was, how do I get the late fees and such taken off, since this was clearly a Paypal issue? Multiple transfers and phone calls later, I get ahold of a Paypal supervisor, who again was unhelpful, and not empowered to help in any way.

What a nightmare experience!

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 2024-01-06 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: TX

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days.

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 2024-01-07 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: NY

Complaint narrative:
My information was sold and bought illegally multiple times since XXXX to XXXX because I was a victim of the XXXX data breach. I want XXXX XXXX XXXX XXXX, IN account # XXXX for {$350.00} on collections, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  unknown acct number but shows on XXXXXXXX XXXX system. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. The engagement # XXXX with XXXX were they admit their breach, complaint # XXXX. Please help me delete these illegal accounts from my credit reports.

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 2024-01-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX I am reporting a fraudulent inquiry found in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has kept my XXXX XXXX XXXX points lower than XXXX and XXXX XXXX for XXXX. I have on several occasions throughout the years tried to get Experian to balance my score out with the other XXXX reporting agencies to no avail, This has hurt me substantially because the companies pulling my credit report, will go by what Experian is reporting, outdated reports, closed accounts, it takes XXXX months for them to up date that my credit cards has a XXXX balance sometimes not at all. 

My XXXX XXXX should not be XXXX points lower from XXXX credit reporting agency to another I am at XXXX with XXXX and XXXX XXXX but Experian XXXX. 
too many companies want/use the lower score than the higher score or not give me a loan because they use Experian '' XXXX score.

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 2024-01-06 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:
IN accordance with the fair credit reporting act... The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681.. 
Account Name ... ... XXXX XXXX  ... .. Account # XXXX Account Name ... XXXX XXXX ... Account # XXXX XXXX ... Account Name... .. XXXX XXXX XXXXXXXX ... ... Account # XXXX 
15 U.s.c 1681 section 602A. 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 account without my written instructions ... 15 u.s.c 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years...

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