vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-20 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: OR

Complaint narrative:
I recently checked my credit report and noticed I have been a victim of identity theft a credit inquiry I have no knowledge of. Here are the inquiries I have found. XXXX  XXXX XXXX XXXX. Please remove this inquiry from my credit report.

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 2024-09-20 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: NC

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-09-20 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-09-20 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: Selene Holdings LLC
State: FL

Complaint narrative:
you carry this mortgage now send a copy of the recording of this Mortgage with XXXX XXXX Records and send a copy of the Note with allonge

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : 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 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 2024-09-20 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: MI

Complaint narrative:
recently review a copy of my credit report and noticed that incorrect accounts on my report please remove these accounts from my report they are hurting my ability to to obtain credit

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 2024-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
Name : XXXX XXXX XXXX ; Address : XXXX XXXX XXXX XXXX, XXXX VA XXXX ; Phone Number : XXXX ; Email : XXXX ; Mortgage Servicer : Atlantic Union Bank ; Loan Number : XXXX ; Date : XX/XX/XXXX ; Subject : Complaint Regarding Unjust Late Fee Due to AutoPay Issue ; To Whom It May Concern, I am writing to file a formal complaint against Atlantic Union Bank regarding an unjust late fees that were charged to my mortgage account. Despite having autopay set up, I was recently charged a late fee because my mortgage payment amount changed, and the autopay amount was not automatically adjusted. Details of the Issue : 1. Autopay Setup : I set up autopay for my mortgage payments through the online portal provided by Atlantic Union Bank. The online form I was instructed to fill out auto-populated the amount of my mortgage payment at that time, which I authorized for automatic withdrawal each month. 2. Escrow Adjustment and Payment Change : On XX/XX/XXXX, my mortgage payment amount changed due to an adjustment in my escrow account. While this change was communicated to me by Atlantic Union Bank, the autopay amount was not updated automatically to reflect the new payment amount. 3. Servicers Position : When I contacted Atlantic Union Bank regarding the late fee, they stated that I had only authorized the original mortgage amount to be deducted and that I was responsible for manually adjusting the autopay amount whenever there is a change. This expectation was neither made clear when I set up autopay, nor does it seem reasonable given the autopay system was set up to handle payments automatically. 4. Late Fee Charged : Due to the unadjusted autopay amount, my payment was considered insufficient, and I have been charged monthly late fees of {$260.00}, e.g., on XX/XX/XXXX, XX/XX/XXXX. 5. Communication with Servicer : Despite my explanation and the fact that I relied on their autopay system to ensure timely payments, Atlantic Union Bank refused to remove the late fee. My Request : I believe the late fee is unjust because I set up autopay specifically to avoid such issues. The servicers expectation that I manually adjust the autopay amount each time there is a change in my mortgage payment contradicts the purpose of setting up autopay. I respectfully request the CFPBs assistance in resolving this issue. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had lost my card and put a lock on it and ordered a new card. The new card di not come and I forgot about the card. Their anual payment came and with out contacting me to pay the balance of {$70.00} they reported to the agency. Took my score from XXXX down to XXXX. 
They agreed to send letters to the reporting agencies. As of today the score still looks low

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 2024-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
I took my direct deposit out of Chime due to another issue I had where they took money from my available balance for XXXX because of a duplicate charge and after the charge was no longer pending, the money was never added back to the account. They also caused complications with my account from that merchant and I received a refund for a charge that was authorized. 

However, the institution I switched to was worse. So I switched my direct deposit back to chime immediately. I have access to their My Pay feature for a cash advance. I owed Chime {$120.00} plus a {$2.00} fee. The feature was never taken off my account. Only 2 direct deposit payments were not added to my account, so i figured this would not be an issue. Not only that, i did not take the entire {$120.00} out of the feature at one time. 
When my direct deposit posted to my Chime account on XX/XX/year>, within 1 minute, they took the entire {$120.00} out of my {$260.00} deposit. However, I am not able to access a cash advance at all. They are now telling me that I need two qualifying direct deposits within the precedent 34 days. In their My Pay system, it's still saying that I received my last direct deposit on XX/XX/year>. When I call the company to ask why the information is updated everywhere on their website. Except for in my pay, they never answered the question period they also repeat themselves. Not only that when I contact chime about this issue, they have hung up on me twice, saying they had to due to quality issues when you ask for someone who is in a higher position, the person who answers the phone says that they are the highest rank. I need assistance with this. Because it is starting to look like the XXXX XXXX XXXX XXXX is also working with.them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''

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 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I was charged over XXXX in overdraft fees year to date, most of which were charged after transactions were approved and cleared. I did request today a waive of some of the fees due to me being off work on medical XXXX, my direct deposit has stopped and I have not yet received my XXXX check. They did give me a XXXX credit however as a loyal customer I would hope that the bank would be more gracious with crediting some of the money back. I am happy to send the bank proof of being off work from XXXX until XXXX. Please assist

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I DID NOT RECEIVE A 1099C FROM THESE COMPANIES. THEY WERE REQUIRED TO FILE WITH THE S.E.C EVERY XX/XX/XXXX. WHETHER THEY DID OR NOT IS SUSPICION OF FRAUD. VIOLATIONS OF 15 USC 6801 AND 6802 STATES THE POLICY OF CONGRESS THAT EACH FINANCIAL INSTITUTION RESPECT PRIVACY OF ITS CUSTOMERS. OPTIONS TO OPT OUT WERE NEVER DISCLOSED AS AN ALTERNATIVE. UNDELIVERABLE ADDRESS ARE STILL LISTED AS WELL AS ALIASES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: NC

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-09-20 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: NY

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
United collection , Bureau Inc. threaten to have me deported. They also contacted my landlord and told them I didnt pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: WI

Complaint narrative:
upon reviewing my credit report, I found several accounts listed that do not belong to me. I have not done any business with these companies nor have ii given any of them my personal information. Here are the accounts listed below : XXXX XXXX XXXX, XXXX {$2600.00}, Opened- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$590.00}, Opened- XX/XX/XXXX The XXXX XXXX XXXX XXXX, XXXX {$200.00} XXXX Opened- XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX {$41000.00} , Opened- XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$340.00}, Opened- XX/XX/XXXX XXXX, XXXX {$990.00}, Opened- XX/XX/XXXX XXXX XXXX XXXX, XXXX {$690.00}, Opened- XX/XX/XXXX Dept of EDXXXX XXXXXXXX, XXXX {$3300.00}, Opened- XX/XX/XXXX Dept of XXXX, XXXX {$3800.00}, Opened- XX/XX/XXXX Dept of XXXX, XXXX {$2400.00}, Opened- XX/XX/XXXX Dept of XXXX, XXXX {$7000.00}, Opened- XX/XX/XXXX Dept of XXXX, XXXX {$4900.00}, OpenedXXXX

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 2024-09-20 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I made a reservation for a rental car through XXXX and paid {$210.00} for the rental of a XXXX XXXX car from XX/XX/XXXX to XX/XX/XXXX using my XXXX XXXX credit card. 

When picking the car up I had to provide a credit card for the deposit and I provided my Barclays XXXX XXXX XXXX  card. XXXX advised us that the car which we had booked was unavailable but that they could provide a replacement. Instead of XXXX XXXX the replacement would be XXXX XXXX. After returning to car on XX/XX/XXXX, XXXX charged us another {$210.00} After we complained they refunded {$53.00} but not the complete amount of {$210.00} We provided evidence to Barclays showing that the car was already prepaid and received a response saying that Services were rendered and the merchant is due payment without addressing the fact that the service had been prepaid through 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 2024-09-20 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: NJ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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