vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are XXXX damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS STORY WOULD BE FUNNY IF IT WAS FICTION! 
For the past XXXX years I have maintained an immaculate credit history. Armed with that knowledge, in XXXX XXXX XXXX XXXX issued me a credit card which I used to support a very small business I owned. Monthly statements were always paid promptly. A decade later I had very little use for the card, and no monthly statements were received when there was no card activity simple enough. Yes, I probably should have closed the account. 

In XX/XX/XXXX we moved from XXXX XXXX XXXX. Prior to the move I sent out Change of Address notices to all creditors, insurers, banks, etc. XXXX XXXX XXXX was so notified. My use of the credit card at the time was nil. I continued to receive a great FICO score ( Attachment XXXX ). Long after my move, unbeknownst to me, XXXX XXXX automatically billed an annual service charge of {$110.00} to the card. I was unaware of this transaction and XXXX XXXX XXXX never sent a credit card statement to my new address ( and none were forwarded from my previous address ). 

In XXXX XXXX XXXX XXXX debt collectors located me and demanded payment for the delinquent XXXX XXXX plus interest and fees. Its interesting to note that XXXX had my phone number all this time and could have simply called me, just like all banks do when prowling for new credit card prospects. After explaining the situation, XXXX agreed to drop interest and fees. I paid the balance that same day ( {$110.00}, XX/XX/XXXX ) and considered the matter closed. Periodically I continued to track my XXXX score from various sources and it was always in the XXXX range. 

In XX/XX/XXXX after a national consumer data breech, I received a free credit report from Experian with a markedly lower FICO score of XXXX! ( Attachment XXXX ). The only adverse entry was negative account activity from XXXX XXXX XXXX, and it incorrectly recorded the sequence of events described above. Contrary to their misrepresented entry in my credit report, I never received a credit card statement for the charge, I was never aware of any balance ( because I had not personally used the card for years ), and when notified I paid the balance immediately. Despite numerous discussions with XXXX representatives, who acknowledged my excellent credit history, they claimed federal laws prevented them from correcting their error. 

I immediately reached-out to Experian for assistance. They understood my situation and filed a dispute with XXXX XXXX XXXX. It was denied without explanation. 

This complaint is filed in an attempt to rectify the unjust and inaccurate negative account activity report by XXXX XXXX XXXX with hopes of restoring my traditional, well-earned credit history.

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 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This relates to XXXX XXXX XXXX  There are XXXX specific issue : XXXX ) There is a pervasive error in which they communicate the XXXX reset date as 1 month later. They are instead providing customers the first month payment due after 1 month of XXXX  XXXX. 
XXXX : The letter and their online banking system reminder states the XXXX XXXX  date as XX/XX/XXXX. They Reset the rate on XX/XX/XXXX. XX/XX/XXXX is the first payment due after 1 month of the new rate. 

XXXX ) They conduct the loan calculation on the wrong principal amount. 
The letter sent to customers is between XXXX months before the reset of the loan. So an XXXX loan might have a letter dated in XXXX. They do a calculation at that time assuming no additional prepayment of the loan. This becomes the new payment regardless of whether additional principal is paid down during the XXXX months. 

Given this rate environment AND ALSO the fact people are paying down, this is not a small difference. I calculate for item XXXX my new payment is over {$100.00} from what it ought to be on the principal balance. If I add in additional principal I have already paid and further intend to pay by XX/XX/XXXX then the number is quite high. 

In a falling interest rate environment, particularly if the XXXX  moves are > XXXX this is a significant calculation error. 

When I asked their customer service, they didn't appear to understand any of the above or its implications. I got tired of trying to escalate this properly as their only response was that the letter said the XXXX reset is in XX/XX/XXXX and therefore the mortgage payment is correct ( both of which are false, aka they are clearly resetting XX/XX/XXXX, and the calc on payments is clearly from XX/XX/XXXX assuming no additional principal payments ). 

I suspected this was done last year in 2023 as well. But I didn't have time to really catch them as I was traveling.

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 2024-08-15 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: CA

Complaint narrative:
In early XXXX, I discovered an unauthorized hard inquiry on my Equifax credit report from XXXX XXXX XXXX XXXX dated XX/XX/year>. I have never had a credit card account with XXXX XXXX XXXX XXXX, nor have I authorized any credit inquiries from them. This unauthorized inquiry is damaging my credit score and is a clear violation of my consumer rights. Despite initial removal, the inquiry has reappeared on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
When I opened my checking account with Bank of America including XXXX cards, XXXX debit card and XXXX credit card. I have XXXX accounts : XXXX is the XXXX XXXX banking account while the other is the XXXX XXXX account. 

I had accumulated quite lot of savings from the beginning XXXX  of dollars. 

The BOA branch associate promised me that I will receive free credit report within 6 months of my opening of the accounts but that never happened. 

To make things worse, I have not received any credit reports in the last XXXX years. 

Having contacted BOA many times, their customer care department still refused to take any tangible actions to resolve this issue.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I beg you please remove this from the credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: FL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-08-15 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:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-08-15 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:
I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life

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 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist denied my applicstion for a business credit card because of information garned from a personal credit file. I informed that this action was agaainst the law because is 15 us1697 states that adverse action can not be taken against a consumer where its know that the credit file being used to make the credit decision contains obverious errors and is incomplete.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly update my account this causing me a lot of stress and anxiety.

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 2024-08-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Easier Funding, LLC
State: TX

Complaint narrative:
I hired a company XXXX  day credit to help with my credit profile which they did not do. Upon signing I was advised if I was not satisfied after XXXX  days didnt now have to continue. I opted not to continue and have since been getting harassing and threatening calls and emails. I have asked them not to contact me but instead am being billed for XXXX dollars and getting threatening texts and emails and daily calls after asking not to be contacted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).

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 2024-08-15 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: VA

Complaint narrative:
I have tried over the last XXXX years to get these accounts resolved on my consumer report with the XXXX credit bureau agencies and they keep saying the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are coming back as verified without any documentation. I sent letters of debt validations to each of the collections agencies and neither responded to the correspondence nor offered any proof that they legally owned the debt. These XXXX party creditors have not validated that they have the rights to own the debts after being given 30 days to respond as these debts have been written off and the original creditors have sold them to a third party without my permission. They are reporting these collection as an " OPEN ACCOUNT '' which is not under FCRA XXXX. This is inaccurate reporting and needs to be removed immediately. 

Please be advised that as of ( XX/XX/year> ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. 

Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. They are charge offs reporting with a balance and negative late payments on these accounts. 
Starting XXXX days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. 

If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, 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 2024-08-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
Complaint against Robinhood Financial LLC : XXXX. On XX/XX/XXXX, while visiting my birth country XXXX as a naturalized XXXX citizen, Robinhood abruptly locked my account. 

XXXX. Since returning to the XXXX, I've been unable to resolve this issue : - No response to detailed inquiries - Unable to speak with a live customer service agent - Phone support is unresponsive - No online chat option for login issues XXXX. Key concerns : - Robinhood lacks adequate customer service channels for urgent account issues - No clear guidelines provided for resolving travel-related account locks - Account restriction appears arbitrary, as XXXX financial transactions with XXXX are not prohibited ( XXXX function normally ) XXXX As a naturalized citizen with family ties, occasional travel to XXXX is unavoidable XXXX XXXX Requests for investigation : - Robinhood 's inadequate customer service infrastructure - Justification for XXXXspecific account restrictions - Lack of clear procedures for resolving travel-related account issues I urge CFPB to address these concerns and ensure Robinhood lets me access my account move/withdraw funds and implements appropriate customer service measures for travel-related account problems. 

History from the most recent event to the oldest : XX/XX/XXXX Case Number : XXXX from XX/XX/XXXX latest - No follow up XX/XX/XXXX Case Number : XXXX - Notification that this issue was passed to a XXXX XXXXXXXX/ XXXX XX/XX/XXXX Case Number : XXXX - Response that issue was forward to another department/ XXXX XX/XX/XXXX Case Number : XXXX - Response that issue was forward to another department/XXXX XX/XX/XXXX : Email notification account is locked/I responded to it confirming it was me.

Company response to consumer: Closed with explanation