vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} - previously Late Open XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXX/XX/2022

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 2024-01-25 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: GA

Complaint narrative:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} - previously Late Open XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regions bank held my check I Mobile deposit for 10 days the. After the 10 days they claim they needed more time and couldnt verified the check I verified the check from the lawyers office in minutes. I called them on the phone to file a complaint and to release my funds after about 3 weeks they did with a letter that I still have 1. I had checks and payments out buy the time they unfreeze my account I had over drafts and mind i regions falsely advertised that they give a {$100.00} overdraft cushion 2. I went in the bank with all my documents and they saw the check was good and I explain to the bank manager that because they freeze my account payments went through and no money was present to this day I have not gotten my over {$200.00} in overdraft fees replace 3. Because they overdraft my account when I gave them a verified check and all documents 4. The bank claim because I used their mobile deposit thats why my check was flagged thats crazy regions bank made the app for mobile deposits not the consumer. So we are getting punished for an app regions bank made 5. I have never had any issues of fraud or anything to my account so this is kinda strange that all of a sudden every check I put in there has a 10 day hold and so forth 6. Now its been over a month and my fees have not been replace. They took their fees causing my account to over draft when they knew good and well the check was good

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 2024-01-25 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: FL

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts 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

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 2024-01-25 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

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 2024-01-25 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: OR

Complaint narrative:
Department of Education had sent the updated status to all three credit bureaus : Transunion, XXXX, & XXXX. 

Transunion and XXXX did not update the remaining loan per the Dept. of Education status to the bureaus. 

I contacted Department of Education on multiple occassions including today to confirm status update. They informed me that they had sent the updates to the three bureaus over 12 months ago. 

Transunion XXXX XXXX has still not updated the correct information : Stating : " Loan/Account number : XXXX, Original date of account : XX/XX/2010, Original amouont : {$57000.00}, is satisfied, paid, no lates, and should be deleted. ''

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 2024-01-25 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: OR

Complaint narrative:
Department of Education had sent the updated status to all three credit bureaus : XXXX, Equifax, & XXXX. 

XXXX and Equifax did not update the remaining loan per the Dept. of Education status to the bureaus. 

I contacted Department of Education on multiple occassions including today to confirm status update. They informed me that they had sent the updates to the three bureaus over 12 months ago. 

XXXX XXXX Equifax has still not updated the correct information : Stating : " Loan/Account number : XXXX, Original date of account : XX/XX/2010, Original amouont : {$57000.00}, is satisfied, paid, no lates, and should be deleted. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Transaction ID Number XXXX. Invoice number XXXX Stock number XXXX Invoice date XXXX Item title XXXX  XXXX XXXX Performance XXXX Selling price {$14000.00} Transfer payment Citibank XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX account holder XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Account number XXXX Wiring-routings number XXXX Viewed auto on website. Completed contact form to view photos. Email sent with link to photos. Decided to purchase and sent payment from my bank to their bank by wire transfer. I believed the purchase was valid because it was going to a well known bank, Citibank. I made several contacts to XXXX XXXX .snd XXXX XXXX XXXX I was advised shipment was on the way and then delayed. After I did not receive additional contact, I contacted my bank and try to stop the wire transfer. Based on the disclaimer funds would be refunded if unsatisfied. My bank XXXX was unsuccessful in retrieving the payment from Citibank and Citibank never replied to the request, either to the bank, XXXX or myself. I submitted a claim with the FBI under form ICS. At this point, I dont know what my additional options are. I understand that it may be difficult or even impossible to retrieve my money, but I am willing to take every avenue necessary to do so.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XX/XX/XXXX I contacted Equifax regarding account : XXXX XXXXXXXX XXXX Account : XXXX Require to delete : it is seven years old.

They refused per telephone call. 

Previously on multiple occassions I requested status update they informed me that it would be removed : XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope this message grabs your attention. I've been trying to address the issue of fraudulent accounts repeatedly, but unfortunately, I haven't received any action from your end. 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, and XXXX XXXX if the fraudulent accounts are not promptly removed, I will seek legal counsel. I believe their inclusion violates my rights under the Fair Credit Reporting Act.

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 2024-01-25 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: NY

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-01-25 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: PA

Complaint narrative:
I recieved response for the buraeus. saying I using 3rd party to help me on my dispute letters. I never use crredit repair company for my letters please delete all the negative accounts and inquries. 
Account name : XXXX  XXXX Account number : XXXX Account balance : {$300.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX  Account number XXXX XXXX Account balance : {$200.00} Date of account open : XXXX. XXXX, XXXX Account name : XXXX XXXX Account number : XXXX  Account balance {$0.00} Date of account open : XXXX. XXXX, XXXX Account name : XXXXXXXX XXXX XXXXXXXX  Account number : XXXX Account balance : {$420.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX XXXX Account number : XXXX Account balance : {$560.00} Date of account open : 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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I received a letter from Chase Bank on XX/XX/2024 reducing my credit limit from {$2000.00} to {$800.00}. This doesn't make sense as to why this happened. I feel I have been discriminated due to race. How many other consumers with Chase is getting their credit limit reduced? I made my payments. I had fraudulently activity on my XXXX XXXX XXXX XXXX account. One of my payment was returned. So, I haven't had any late payments since. So, why would a bank reduce a credit limit for one payment. There is something wrong. I have never had a bank to do something like this to me. 

Please look into this matter. I have reached out to Chase and have gotten no place with them. 
XXXX. 
Chase Bank, XXXX XXXX XXXX, XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
I have attached a personal description of what happened. I have reported this twice now to all three bureaus with no remedies. I need help. Please assist me. I could only choose one option but this has cost me, a single parent, with no family, a very promising offer due to this reporting. I need this remedied. This is not right. All of the careers roles I am seeking require a credit check. With this incorrect information fix, I will not be able to succeed in attaining a job and it already caused one employer to rescind their offer. I desperately need help getting these agencies to cooperate.

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 2024-01-25 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: FL

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX

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 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am distressed by your bureau 's disregard for removing fraudulent accounts, despite filing a valid report on Identitytheft.gov and explicit confirmation from associated banks that they will remove the accounts immediately. 
Accounts : 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 explanation
Consumer complaint received 2024-01-25 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a mastercard from JCPenney issued by Synchrony Bank. 
I traveled overseas back on XX/XX/2023. I was robbed and immediately reported my card to them letting them know it was stolen. This was on XX/XX/2023. The next day 2 big charges were done in my account. I called them so many times and they just give me the run around between customer service and the fraud department. They never removed the fraudulent charges. 
They have only replace my card like 2 times. 
On XX/XX/2023, 2 big charges were made of {$2600.00} same amount plus international fees of {$78.00} also 2 times. 
Thanks in advance for any help or advice 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 monetary relief
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
I do not recognize these credit inquiries, and I've asked them to be removed, but the bureaus did not do anything. Please remove the credit inquiries because they are inaccurate and not mine. Thank you. 
These were not authorized. 

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 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 explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: REGIONS FINANCIAL CORPORATION
State: UT

Complaint narrative:
My mortgage is serviced by Regions Mortgage. I have paper delivery of documents. Regions will not let me see any of my mortgage statements including Tax documents or documents I previously had access to without canceling my paper statements. This is a relatively new change that I was not warned of or given an opportunity to opt out of. Even if I elect to forfeit paper documents I have to wait to see existing documents online. I feel like Regions Mortgage is holding me hostage. I am unable to file taxes without the information they will not let me see.

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 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am extremely dissatisfied with your bureau 's failure to remove fraudulent accounts despite filing an identity theft report on Identitytheft.gov and the associated banks confirming errorsXXXX and XXXX have acknowledged errors and removed them. Your verification process raises confusion, as other bureaus complied. Other bureaus promptly removed these accounts : 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 2024-01-25 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:
EQUIFAX and XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud. Said company had four business days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX AND XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUFAX AND XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signture. consumer is Not asking for an e-oscar report. If EQUIFAX AND XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, New York XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX I will be filing form 211 treasury omb forms to audit consumers account. 
EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

***PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION, I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN VERBAL AND NON-VERBAL PER 15 USC 6802 EFFECTIVE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Checking {$5.00} taken from my account but no record of the transaction

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