vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
on XX/XX/scrub>XXXX XXXX XXXX  a letter was sent to Transunion to have some misinformation reporting on my report in regards to incorrect addresses amongst other things. I have mailed them and have yet to have my request processed.

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 2024-02-08 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: IL

Complaint narrative:
There are a number of inquiries that were placed on my credit report without my consent. The bureaus have indirectly verified these inquiries as accurate and verified by pl ; acing them on my report ; however I never gave them any permission to give my information away to any of the companies attached on the dates stated. So that being said I need these errors corrected straight away.

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 2024-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: DISCOVER BANK
State: NC

Complaint narrative:
We had Discover for almost a year before spending was made. The plan was to pay the card after the holidays of XXXX. Paid a few payments and then the pandemic made an impact and cut working hours from 20 to 30 hours to only 10 hours. On top of that, it was a biweekly pay period that only equaled normal pay for a week. The claim was made in XXXX and during that time was still working at the same job at that time with similar hours. Later transferred to other work to get let go. During this time had to keep a roof over our heads, food on the table, utilities on, car insurance, and car payment so we could have reliable transportation. Many local employers don't even pay minimum wage let alone a living wage. Many assistance that are local could help. As of today, XX/XX/XXXX, there has been little to no contact and what communication we did have has been threats of not paying then they'll take us to court. A police officer came to our door with a court summons indicating threats of imprisonment. At this time we have no way of even paying our bills let alone the {$2500.00} debt that is owed. We want this debt gone as well as the company but it's hard to do so when the state of the world and economic department hasn't looked all that great. It's been a couple of months without work and unemployment has been harder to get. The fear of losing our home and everything was the main problem but then adding this on top has really been difficult for everyone on this side. The emotional stress that has affected our mental health has been terrifying to say at least. We'd like to file a lawsuit against Discover and the debt collector assigned to our case for mental and emotional stress and would ask for the whole amount to be opted out or more grace when paying the debt. We would be willing to work this out so things won't end up messy but at this time we don't think that's the case. In today 's age, many others have been in this same situation and that's why credit cards are becoming a thing of the past. It was also said in the summons that there was a previous court date which we failed to be informed of as well. Please get back to us as soon as you can so we can get some help. With the world today we hope there's still good people out there to help others! Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: MO

Complaint narrative:
Another complaint closed without having addressed the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back

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 2024-02-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: P&B Capital Group, LLC
State: TX

Complaint narrative:
This is response to complaint XXXX. The collection agency stated that the dispute letter sent was to an old address which is XXXX years old. This is the address found on my credit report as well as online, so that is a fault within your company. Your company 's incompetency of not updating your mailing address has nothing to do with me. Furthermore, I am rejecting this response because I am only willing to discuss anything via CFPB, which is why I submitted this complaint. I will need everything in writing for court records. I am not interested in any correspondence outside of the portal, nor do you have a mailing address for me. Once again, I am requesting Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased/forward flow agreement. Please provide the requested documents via CFPB or remove this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am filing a formal complaint against Experian for their failure to adequately respond to a dispute letter that I mailed on XX/XX/2023, requesting an investigation into inaccurate items on my credit report. In my dispute letter, I outlined several items that I believe are inaccurately reported, including entries such as XXXX  XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and a bankruptcy Reference Number : XXXX. Additionally, I disputed incorrect personal information listed on my credit report. 

To assist Experian in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. 

Despite mailing the dispute letter and providing necessary documentation, I received a response from Experian, dated XX/XX/2023, indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. This response demonstrates a failure on Experian 's part to recognize the legitimacy of my dispute and to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit bureaus are obligated to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is clear that Experian has failed to fulfill this obligation, thereby infringing upon my consumer rights.

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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had a Capital One Spark Business card. 

I received XXXX large credits from XXXX XXXX to the account from XXXX concerts cancelled during covid. XXXX was on XX/XX/XXXXXXXX  for {$3700.00} leaving a large negative balance in my account of {$2400.00} on my XX/XX/XXXX statement that was cancelled out to {$0.00} by my XX/XX/XXXX statement. I never received a check for this credit on my account. 

I then received a {$630.00} rewards credit on XX/XX/XXXX as well as a second large credit from XXXX XXXX on XX/XX/XXXX for {$1000.00}. I was issued a check for {$1500.00} and cashed it reflecting these XXXX credits. 

I filed a complaint with CFPB about the first large credit for {$2400.00} and never receiving the money despite Capital One cancelling out the negative balance from my account. They responded to that complaint with information about the second credit. But those are XXXX totally separate items.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NM

Complaint narrative:
My recertification date listed on my XXXX  site lists XX/XX/XXXX as my recertification date for my XXXX XXXX repayment plan. Per the guidelines listed on the studentaid.gov site, the earliest you could be required to recertify is XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year.. Mohela is insisting that I need to recertify my income now which is outside the Federal guidelines. I have reached out several times both via message and long phone calls to Mohela to no avail. Please assist me with getting my recertification date extended to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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:
I submitted accounts to all 3 credit bureaus to investigate accounts on my credit report. Each account came back as verified by all 3 bureaus. However, the credit bureaus failed to do their due diligence in verifying the accounts, as they were no changes made to any of the accounts and they still appear as they did before the dispute- with numerous inaccuracies across the board.

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 2024-02-08 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 accounts to all 3 credit bureaus to investigate accounts on my credit report. Each account came back as verified by all 3 bureaus. However, the credit bureaus failed to do their due diligence in verifying the accounts, as they were no changes made to any of the accounts and they still appear as they did before the dispute- with numerous inaccuracies across the board.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
A department at Cross Country Mortgage LLC has erroneously received XXXX of my XXXX XXXX XXXXXXXX electronic mortgage payments from XXXX and XX/XX/XXXX that were intended for the mortgage payment department. I was informed by the Cross Country Mortgage payment team on XXXX XXXX XXXX that my XXXX payment had not been received and subsequently had to repay the XXXX payment again. My XXXX payment that was prescheduled could not be canceled as it was in process on XXXX Payments and Invoicing feature, and subsequently also went to the XXXX address as I sorted out where my initial XXXX payment was. XXXX  confirmed that my Payments and Invoicing bill pay for XX/XX/XXXX and XX/XX/XXXX mortgage payments were sent to XXXX XXXX XXXX, XXXX, OH XXXX, which is a Cross Country Mortgage Address, but I have now learned are not the mortgage department that was intended to receive the payment nor have they transferred my funds. I contacted Cross Country Mortgage on XX/XX/XXXX talked to Customer Service, and again on XX/XX/XXXX only via their email-only contact with the Research Dispute team to request locating my funds and dispute that I had missed a XXXX payment. I made Cross Country Mortgage aware that {$7200.00} had been sent from XXXX and processed by the third-party, XXXX, with the information they incorrectly provided XXXX and that they owed me a refund. 

I also disputed the payment with XXXX to no avail and they declined my XXXX disputes on XX/XX/XXXX. I then submitted yet another claim to Cross Country Mortgage on XX/XX/XXXX and have been told I can't get a response until XX/XX/XXXX. Unfortunately, it has been brought to my knowledge that Cross Country Mortgage is transferring my loan to a new servicer and the transfer will be complete on XX/XX/XXXX, so I fear I will have to start the entire dispute process all over again, which I would very much like to avoid. 

XXXX XXXX  XXXX has provided me with reference IDs for the XXXX and XXXX payments that I have already provided to Cross Country Mortgage. The electronic payments were submitted as XXXX. 

XXXX reference id : XXXX XXXX reference id : XXXX XXXX confirmed the address for the electronic payments was sent to XXXX XXXX XXXX, XXXX, OH XXXX, which is a Cross Country address/property and it was also listed on XXXX as Cross Country Mortgage LLC . My mortgaged funds were received by a Cross Country Mortgage XXXX XXXX XXXX account number ending in - XXXX and routing number XXXX. 

I have been trying to get these funds returned since XXXX and would like this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
After my latest complaint about this credit card with CFPB I decided not to use this card anymore. Reward balance at this point is {$160.00}. When I tried today to transfer that balance to my and my husband 's Citizen 's bank account I faced poor customer services. When I dialed " customer service '' number I got to the fraud department instead of customer service. When I was transferred to the customer service and talked to a person by name XXXX I was told that fraud department put a freeze on my credit card and the transfer could not be made!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We received a shady late night email from Chase Payment Tech merchant services on XX/XX/year> that they were going to " close our account '' on XX/XX/year>, ie, the next day, today. The problem is not only that they gave us less than 1 days notice, but also that they have been holding more than {$15000.00} in our XXXX XXXX XXXX retainer funds for the past 2 weeks, when they are supposed to release our funds within 1-2 business days. I called these XXXX XXXXoday and the XXXX on the phone boldly told me that they are " going to hold our money for 6 months. '' Well, I certainly lost my patience at that point and yelled at her in an understandable excited utterance. Please investigate and advise on these modern day highway robber thieves stealing money from small business like ours. We desperately need our money to pay bills, rent, child support, etc., and we should not have to explain ourselves like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: TX

Complaint narrative:
FTC REPORT # XXXX ( Uplodaded ) Wow. I cant believe Transunion XXXX XXXX is allowed to get away with reporting misinformation and keeping my credit worthiness is bondage. 

XXXX is the only credit bearus who have deleted this information ( proof uploaded ) but Transunion XXXX XXXX simply ignore us. 
I have submitted proper supporting documents for my disputes and they just ignore them, like I am trash. Some needs to home this company accountable for the damage and stress they are causing consumers like myself. 

I have to 2 accounts that have been disputed only to come back verified. 

1. XXXX XXXX XXXX # XXXX 2. 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 2024-02-08 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: NY

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX  XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX XXXX ( Original XXXX XXXX  ) : Account number : XXXX, Identity theft happened. Remove account. 
XXXX | XX/XX/2023 : Account number : N/A, Identity theft happened. Remove account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: LA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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