vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
On XX/XX/XXXX I made a dispute with Transunion about this account and they have not responded in the 30 days required according to FCRA regulations

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 2024-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion, XXXX, and XXXX have failed to provide documentation to proof the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX belong to me. I have disputed these accounts directly with all 3 credit bureaus for over 12 months. Further, all of the account numbers at all 3 companies are not verifiable, high balances reported can not be corroborated because I have not received any reply correspondence from these companies!

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 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CO

Complaint narrative:
The only date I have is from Source Receivable MNG, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX. Dated XXXX. I have lived at my present location for almost two years. They are saying I owe XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX {$150.00}. 
I have no knowledge of this debt. I have nothing in writing. When I asked the collection agency for proof, they said I had to write them a letter requesting information. I find this hard to believe as if they had proof they would send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
on or about XX/XX/2024 this writer applied for membership at XXXX XXXX XXXX. This writer was denied due to incorrect and/or fraudulent information attached to an account reported by Chexsystem. I filed a complaint with chexsystem and requested that they remove the incorrect / fraudulent information from their system, but they have refused. chexsystem is a third party company that lacks knowledge of what occurred between this writer and the negative account listed with them. Chexsystem has just engaged in Defamation per se by reporting incorrect and fraudulent information to a third party. In addition, chexsystem is in violation of 15 usc 1691. This writer does intend to file a civil lawsuit against chexsystem in the coming weeks, however this writer needs this fraudulent account removed ASAP, as it is hurting this writers employment, finances and way of living and preventing this writer from financially advancing in the world.

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 2024-04-24 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: TX

Complaint narrative:
This is not a dispute. I previously disputed this XXXX XXXX  account with Experian numerous times. I have repeatedly been told irrelevant things in the investigation results like " We've determined this is your account. We have updated the account. We have changed the remark codes. This is a charge off. '' When I've called Experian and spoken to representatives, I'm told well we just transmitted electronic information to the creditor. I'm also told it's not up to Experian to remove an account that's up to the creditor. I'm telling you that at this point it's going to have to be up to Experian to remove it and block any future reporting by XXXX XXXX  related to my Experian credit report because it is required by law to not allow fraudulent reporting by creditors. I previously provided a copy of the cease and desist letter to Experian and I believe it's merely being treated as a dispute instead of being sent to the correct department. The creditor has also received a copy of this cease-and-desist letter. At this time, I have filed an FDIC complaint against this creditor. They have fraudulently reported this account over and over and Experian has allowed them. I'm now done. Please find attached to the cease and assist letter proof that the account was placed for collection and has been reported fraudulently as well as proof of the FDIC complaint. Please note I chose to redact the name of the individual at the collection agency that supplied me with the information out of concern for them, possibly losing their job.

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 2024-04-24 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: FL

Complaint narrative:
" Your agency is in violation! 
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 a account without my written instructions 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' XXXX - XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX  XXXX XXXX XXXX XXXXXXXX {$230.00} XXXX  XXXX - XXXX {$550.00} XXXX - XXXX {$2900.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX - XXXX {$10000.00} XXXX XXXX XXXXXXXX - XXXX {$990.00} CAP XXXX - XXXX {$510.00} XXXX  - XXXX {$330.00} XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX {$1500.00} XXXX  - XXXX XXXX  XXXX - XXXX {$350.00}

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 2024-04-24 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:
" Your agency is in violation! 
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 a account without my written instructions 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' XXXX - XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX  XXXX XXXX XXXX XXXXXXXX {$230.00} XXXX  XXXX - XXXX {$550.00} XXXX - XXXX {$2900.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX - XXXX {$10000.00} XXXX XXXX  XXXX - XXXX {$990.00} XXXX  XXXX - XXXX {$510.00} XXXX  - XXXX {$330.00} XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX {$1500.00} XXXX   - XXXX XXXX  XXXX - XXXX {$350.00}

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 2024-04-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is not a dispute. I previously disputed this XXXX XXXX   account with Transunion numerous times. I repeatedly been told irrelevant things in the investigation results like " We've determined this is your account. We have updated the account. We have changed the remark codes. This is a charge off. '' When I've called Transunion and spoken to representatives, I'm told " Well we just transmitted electronic information to the creditor. I'm also told it's not up to Transunion to remove an account that's up to the creditor. I'm telling you that at this point it's going to have to be up to Transunion to remove it and block any future reporting by XXXX XXXX  related to my TransUnion credit report because it is required by law to not allow fraudulent reporting by creditors. I previously provided a copy of the cease and desist letter to Transunion and I believe it's merely being treated as a dispute instead of being sent to the correct department. The creditor has also received a copy of this cease-and-desist letter. At this time, I have filed an FDIC complaint against this creditor. They have fraudulently reported this account over and over and Transunion has allowed them. I'm now done. Please find attached to the cease and assist letter proof that the account was placed for collection and has been reported fraudulently as well as proof of the FDIC complaint. Please note I chose to redact the name of the individual at the collection agency that supplied me with the information out of concern for them, possibly losing their job.

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 2024-04-24 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I reviewed a copy of my credit report and observed fraudulent activity.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: WI

Complaint narrative:
I've noticed Lexis Nexis is reporting a bankruptcy on my report inaccurately. I have attempted to dispute this info with the company and have gotten no where. I have reached out to the Bankruptcy court of Wisconsin and was told that they DO NOT REPORT NOR VERIFY INFO for bankruptcies. I would like this inaccurate/false information removed from my report entirely and immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: MA

Complaint narrative:
Stayed at a hotel on XX/XX/XXXX with my XXXX XXXX. Afterwards, I noticed the hotel had charged me a {$50.00} fee for the XXXX XXXX, which is illegal. 

I was unable to reach the merchant, so filed a disupte with Citibank on XX/XX/XXXX. They closed the dispute citing not enough information was provided, without giving me an opportunity to provide more supporting information. 

I spent XXXX weeks requesting that they reopen the dispute and contacted Citibank over a dozen times. I was never given an opportunity to submit more information, as the online portal never showed that the dispute was reopened. 

I received a letter from Citibank a couple days ago saying that they will not communicate with me further on this matter, so I need to escalate the matter as they have been unwilling to work with me to resolve the dispute.

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 2024-04-24 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:
On XX/XX/2024 I checked my credit report. Upon looking over my report I noticed serval inaccuracies. According to FCRA Experian is expected to report the information on my credit report with 100 % accuracy. The account that I would like you to verify is Account Name : XXXX XXXX Account Number : 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 2024-04-24 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: OH

Complaint narrative:
As a customer of XXXX credit services, I am deeply disappointed with the lack of proper updates to my credit profile. Despite providing documentation that clearly shows fraudulent charges on several accounts within my credit report, your company has failed to take action. Other credit services have successfully removed these accounts, yet XXXX has not. This is unacceptable and must be rectified immediately. I demand that all fraudulent accounts be removed from my credit profile without delay, as these charges and transactions are not a reflection of my financial responsibility. It is imperative that XXXX fulfills its duty to accurately represent my credit history. 
all credit companies remove these following accounts Remove Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Capital One mailed a letter to me dated XX/XX/24, which I received yesterday, XX/XX/24. In this letter, they indicate they are closing my account because " it is not consistant with our expectations for account usage and violates the Capital One Customer Agreement. '' I have made all payments on or well before the due date, paying them in full normally. Because I am on Social Security, I have stopped paying the entire balance ; I only make a {$200.00} or more payment. I have been late once in the last several years I've had this account, as near as I can recall and only recently. 
I am very, very upset about this high-handed form letter, and am submitting this complaint because I feel I am being discriminated against due to a lessened payment and that I am on Social Security XXXX They have never NOT gotten a payment from me in the entire time I've had this card and I do not expect to not pay the balance. Thank you for your assistance in resolving this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC
State: IL

Complaint narrative:
I recently received 80 % XXXX from the VA. The county I live in gives full property tax exemption for veterans who receive 70 % or more XXXX. I relayed this information along with supporting documents from the county to my Mortgage company. I asked them to please remove the property tax portion from my escrow account. This was sent to them on XX/XX/year>. On XX/XX/year> I received a letter from them that that they reviewed my account and that your taxes are partial exempt. They said once they get the tax bill ( which wouldn't be until XX/XX/year> ) then they would review my escrow. 

I was not satisfied with this because they were charging me money, {$910.00} a month, for my escrow account. Forcing me to pay money I did not have to ( Stealing ). On XX/XX/year> I sent additional documents that showed I owed {$0.00} for property taxes for the year. On XX/XX/year> I received another correspondence from my mortgage lender saying they have forwarded it to their tax department to verify and then will let me know. On XX/XX/year> I received another correspondence saying the same thing as the one before. 

Again, super frustrated and upset about paying a lot of money I was not supposed to be, I reached out again for them to review. This was on XX/XX/year>. I forwarded them a posted tax bill from my county website that showed I owed {$0.00}. I even broke down that my mortgage is {$1900.00} a month and escrow is {$910.00} a month. My hazard insurance is {$100.00} a month out of the {$910.00} escrow. With the property taxes removed from the escrow my new monthly mortgage should be {$1100.00} a month. 

on XX/XX/year> I received yet another correspondence advising that they cant complete my request. This is due to the face that my loan-to value-ratio ( XXXX ) is 92.1 % and not 80 % to cancel the escrow. ( I'm not trying to cancel my escrow just adjust it to remove my property taxes. I still have hazard insurance on my escrow account ) Beyond frustrated I called them and advised them this is not right, I feel like my money is being stolen and I'm forced to pay money I'm not supposed to. Basically was told I need to wait yet again on the tax bill to be sent to them from the county itself. 

This is beyond unacceptable. If I'm providing proof that I don't have to pay they are still making me pay money that I could be using to help with other bills and food. I feel like they are holding me hostage with my own money. For a company that is called XXXX XXXX, to treat a XXXX veteran like this is not okay.

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 2024-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I sent an initial wire transfer into XXXX for {$130.00} to test on XX/XX/year>. These funds went through and were accessible immediately, I then initiated another transfer of {$170.00} on XX/XX/year>. The {$170.00} transfer didn't show in XXXX although it was charged from my checking account. I've since contacted XXXX and they stated, " there's no transfer showing on their side ''. So, this brings me to CFPB as a hopeful alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: CA

Complaint narrative:
XXXX, XXXX, & Equifax are reporting incorrect information listed on the account XXXX there are late payments listed that should not be there. The late payments are XX/XX/2024 and XXXX is report late payments for XX/XX/2024 that the other XXXX consumer agencies are not. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation