vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 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: GA

Complaint narrative:
Transunion, XXXX, & XXXX continue to inaccurately report the account listed as XXXX XXXX as the credit bureaus know the contract acts as the security for funding of the account so I can not be late or it can not be a collection account. There are also several inconsistencies with the account. 

Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Closed Paid Paid Payment Status : Late XXXX Days Late XXXX Days Late XXXX Days Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Since filing a dispute with Experian this month... .I have been unable to access my consumer report and their automated system claims there is a problem with problem with the system, however, I have been unsuccessful in reaching an agent or customer service representative by phone

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 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The Care Credit closed my account XXXX XXXX XXXX XXXX because an unfair reason. 
They said I missed a Mortgage payment with XXXX XXXX. Everything is already fixed since XXXX and because of XXXX mistake I have an Account closed and another account with a Credit Limit decreased - this one is the Care Credit XXXX XXXX XXXX XXXX - they decreased my Limit from {$6500.00} to {$790.00} ... all this because a mistake of XXXX  loan. Everything is so unfair. I had my Credit score low for some weeks, but I disputed with XXXX, XXXX and XXXX- It's all clear since 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 2024-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/2024 @ XXXXXXXX XXXX I called PNC and talked to XXXX XXXX, Sr. Mortgage Loan XXXX XXXX ID : XXXX and he stated the phone call is being recorded*. At that time I stated I had several home mortgages with PNC and called them first, XXXX stated he was a Sr. Mortgage Loan Officer for many years and has won awards, etc. and after XXXX minutes he structured a loan for a condo in Oregon that we had an offer in on, the loan would have both my daughter ( XXXX XXXX and myself on the loan. 

I did explain she would be living there in the condo but I would be staying in California. I also stated I was willing to put 20 % down on the property. XXXX went through several loan options with rates and point and then he said ; I have a great loan! If I put down 25 %, he would lock 7.375 % / XXXX yr fixed with XXXX point. He said payment ~ {$1100.00}, closing cost ~ {$4400.00} and needed at closing~ {$57000.00}. He said he can lock it in now and we would have a one-time re-lock chance generally around closing, I said lets do it! XXXX took my credit card info for credit report ( {$130.00} ) and other personal info and called my daughter for her information. Loan reference # XXXX The on line process/timeline showed completed ; Fill out application Review and submit application Document upload and loan team review Submitted to processing Submitted to underwriting then on XX/XX/XXXX ( 11 days later ) XXXX XXXX calls and said he can not do the loan, he need to change the points from XXXX to XXXX or he can restart the loan all over from beginning. I stated we had a 30 day close in the offer and now everything is all messed up. I also stated that this was unacceptable and he is the one that ( I guess ) set-up the load wrong! How could someone that is a Sr. Mortgage Load Officer make this type of mistake? I explained very clearly the type of loan we wanted ( remember call are recorded ) and after 11 days and above ''Review and submit '', ''Document upload and team review '', ''Submitted to processing '' and ''Underwriting '' and now I have to pay XXXX point not XXXX point, that seems wrong like 'bate and switch '. 

If XXXX XXXX did his job and gave me the correct information originally I would have not wasted 11 days!!! I'm very upset and he now has jeopardize us getting this condo and losing our earnest money! 

Very unprofessional of PNC and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-31 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: KY

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand that the following account be verified or removed immediately : 1. The following account is not mine XXXX XXXX XXXX please remove it from my credit report 2.The following account is not mine XXXX XXXX XXXX  XXXX please remove it from my credit report 3.The following account is not mine XXXX XXXX XXXX please remove it from my creit report 4. The following account is not mine XXXX XXXX please remove it from my credit report 5.The following account is not mine XXXX XXXX XXXX please remove it from my credit report 6.The inquiry was not authorized 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 2024-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XXXX, XXXX, XXXX NFCU, mishandled the phone to assist me for a dispute. After she refused and disconnected the call. I am resorting to CFPB to resolve. 
The issue is I was charged for an appointment : According to the above the consultation was NOT completed. ( On this point, it was done via text and ongoing for a couple of days. ) It was cancelled because consultation was not completed I received a phone call from XXXX XXXX on the night before appointment XXXX because they did not have the hair available. 
No service was performed and I spoke with rep whom stated no service could be performed as they were not ready to go forward. No understanding of what I wanted was given. I send a picture of my hair desired look. ( via text ) From there the I received a call from rep and moved forward with purchase of hair NFCU {$360.00} dollars. I do not have the hair and the was manipulated with a color not requested and not in it original state as bought. However, at the end of day I do not have the hair. ( NEVER RECEIVED IT ) The merchant has done something which was not requested. This action has caused the hair to not be in the original state and it has been altered. 
The hair has been altered from its original state Never received the product.

Please refund all monies in this regard I requested a call from the manager and I left a message for her to return my call but no response. I tried to communicate with XXXX for resolution for communication in this regard but no response there either.

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 2024-03-31 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:
On XX/XX/year>, I submitted a complaint via CFPB ( I.D . # XXXX ) for verification of this collection XXXX XXXX XXXX. I was not given any proof that this collection was verified. I do not recognize the 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 2024-03-31 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2023, I purchased online from XXXX a camera with XXXX lenses for {$540.00} and charged it to my American Express credit card. The product never arrived. I tried to contact the merchant, but their email, phone number, and contact us links are not working. 

I disputed the charge with Amex. The dispute was denied because the merchant supplied a XXXX tracking number showing a completed delivery. I queried XXXX and they gave me documents showing that the deliverys recipient was not my name nor my address and the product shipped was an envelope weighing less than a pound, too small to contain a camera and lenses. 

Ive reopened the dispute multiple times with this info and Amex repeatedly denies the dispute saying the merchant sent proof of delivery. 

My main points : -I and my address was not specified as the recipient of the XXXX shipment. 
-I have no way to contact the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-31 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: KY

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand that the following account be verified or removed immediately : 1. The following account is not mine XXXX XXXX XXXX please remove it from my credit report 2.The following account is not mine XXXX XXXX XXXX  XXXX please remove it from my credit report 3.The following account is not mine XXXX XXXX XXXX please remove it from my creit report 4. The following account is not mine XXXX XXXX please remove it from my credit report 5.The following account is not mine XXXX XXXX XXXX please remove it from my credit report XXXX inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: KY

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand that the following account be verified or removed immediately : 1. The following account is not mine XXXX XXXX XXXX please remove it from my credit report 2.The following account is not mine XXXX XXXX XXXX XXXXXXXX please remove it from my credit report 3.The following account is not mine XXXX XXXX XXXX please remove it from my creit report 4. The following account is not mine XXXX XXXX please remove it from my credit report 5.The following account is not mine XXXX XXXX XXXX please remove it from my credit report 6.The inquiry was not authorized 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 2024-03-31 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 have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report. 
I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights.

This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 days.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate.

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 2024-03-31 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: CA

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. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States liave 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 non-monetary relief
Consumer complaint received 2024-03-31 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: NC

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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 2024-03-31 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: NC

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2024-03-31 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: OK

Complaint narrative:
I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report.

I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights.

This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 days.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: OK

Complaint narrative:
I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report.

I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights.

This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 days.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate.

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