vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: AZ

Complaint narrative:
I hope this message finds you well. I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to open an account with your company. 

Despite repeated efforts and several attempts to rectify the situation, I have encountered persistent obstacles in the process. This has not only caused inconvenience but has also led to significant delays in accessing the services your company offers. 

I initially submitted all required documentation and followed the prescribed procedures for account opening. However, despite fulfilling all necessary requirements, my account remains unopened, and I have not received any satisfactory explanation for the delays. 

The lack of communication and transparency throughout this process has been particularly concerning. Despite reaching out to your customer service team on multiple occasions, I have received generic responses that fail to address the specific issues I am facing. 

As a prospective customer, I expected a smoother and more efficient onboarding process. The repeated failures to open my account have not only wasted valuable time but have also eroded my confidence in your company 's ability to provide reliable services. 

I urge you to prioritize this matter and take immediate action to resolve the issues preventing the opening of my account. I expect a prompt and satisfactory resolution, along with clear communication regarding the steps being taken to address this situation. 

Failure to address these concerns in a timely and effective manner will force me to seek alternative service providers. I trust that you will give this matter the attention it deserves and take the necessary steps to rectify the situation. I am asking for your assisstance to correct this account in my credit file : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$380.00}.

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 2024-03-02 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: AZ

Complaint narrative:
I hope this message finds you well. I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to open an account with your company. 

Despite repeated efforts and several attempts to rectify the situation, I have encountered persistent obstacles in the process. This has not only caused inconvenience but has also led to significant delays in accessing the services your company offers. 

I initially submitted all required documentation and followed the prescribed procedures for account opening. However, despite fulfilling all necessary requirements, my account remains unopened, and I have not received any satisfactory explanation for the delays. 

The lack of communication and transparency throughout this process has been particularly concerning. Despite reaching out to your customer service team on multiple occasions, I have received generic responses that fail to address the specific issues I am facing. 

As a prospective customer, I expected a smoother and more efficient onboarding process. The repeated failures to open my account have not only wasted valuable time but have also eroded my confidence in your company 's ability to provide reliable services. 

I urge you to prioritize this matter and take immediate action to resolve the issues preventing the opening of my account. I expect a prompt and satisfactory resolution, along with clear communication regarding the steps being taken to address this situation. 

Failure to address these concerns in a timely and effective manner will force me to seek alternative service providers. I trust that you will give this matter the attention it deserves and take the necessary steps to rectify the situation. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$380.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Experian is been reporting my name XXXX XXXX XXXX XXXX, XXXX XXXX XXXX which is incorrectly. Only XXXX name should be in my report. Which is my legal name XXXX XXXX. This is causing problems trying to accomplish my dream.

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 2024-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Called Transunion on XX/XX/XXXX to dispute inquiries and report fraud but they refuse to investigate. XXXX told me that the company doe not have to investigate or prove that the inquiries were authorized. I also sent the certified mail on XX/XX/XXXXand they are refusing to investigate. One of the inquiries was placed while my credit report was frozen and Transunion refuses to answer why they allowed that. I told XXXX who is not in the United States that what he is doing is illegal but he refused to listen.

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 2024-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NM

Complaint narrative:
This supposed debt comes from a XXXX cell phone account I had from about XXXX yrs ago. I changed cell phone service to another carrier due to bad coverage ( I couldn't even get adequate signal in my own home ). Therefore, I completed the contract and canceled service. About 7 years ago I received an odd collection notice from XXXX saying I owed about {$1500.00} and I called XXXX and questioned the charges. The representative all those years ago said they would make the correction. Now, recently, while applying for a loan in XXXX XXXX I was told by the loan company that I had a negative mark on my credit report related to a company called IC Collections. When I went online to check my credit report, I found the notice of collection from XXXX and XXXX, but it is NOT included on my XXXX report. I called XXXX in XXXX XXXX and reqeusted information but was told they did not have any information to give. 
And, since XXXX, when I canceled my XXXX service, I have NEVER had a loan company ( mortgages, car loans, consolidation loans ) say to me that I had an outstanding collection notice. This is clearly in error, and I would like to know and request documentation on what these charges are based on, what dates are related to the charges, and when it was sent to the collection agency.

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 2024-03-02 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: CL Holdings LLC
State: LA

Complaint narrative:
Jefferson capital systems reported a collection/charge off on my Consumer report without my written instructions or full disclosure prior to reporting the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: NY

Complaint narrative:
On XX/XX/24 I noticed XXXX XXXX account # XXXX has been reinserted into my credit file. You are required within five ( 5 ) days of a previously deleted item. I did not receive such notification. Please delete this item immediately.

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 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Ensuring punctual payments has always been my practice with this account, never allowing any payments to lapse into overdue status. I'm puzzled by the existence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, necessary corrections should be made.

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 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I recently applied for a platinum credit card from Amex on the online website which I know they run an automated system to approve and decline applications. I have a little problem with the denial which I gave a security which is collateral and I received no consideration for my value. In this process there was an offer acceptance and consideration which is a legal binding contract and a denial shouldn't even be a factor. According to American Express Issuance Trust ll as issuer and XXXX XXXX XXXX XXXX XXXX XXXX as Indenture Trustee and Securities Intermediary dated XXXX XXXX XXXX in the granting clause as stated, The issuer hereby grants to the Indenture Trustee for the benefit and security of the note holders and the indenture trustee, in it's individually capacity, a first priority security interests in all it's rights, title and interest whether now owned or hereafter acquired in and to the following ( i ) thru ( xiv ). It also states that the security interests in the collateral is granted to secure the notes. The agreement of parties also states for the establishment of the terms and conditions upon which the notes are to be authenticated issued and delivered and in consideration of the premises and the purchase of the notes by the holders thereof, it is mutually covenanted and agreed as follows for the equal and proportionate benefit of all the holders of the notes. For more information about the collateral pursue to the same Indenture dated XX/XX/2018 Article 2. Now with that said I gave you a collateral which was something of value which the trustee got security interests in the collateral and the underwriters also got consideration pursuant Amex underwriting agreement and I was denied my consideration and the reason was of a XXXX score that they got from a third party which was XXXX evidenced by an Amex inquiry on my credit files now according to Amex prospectus XXXX it states that they get they XXXX score for a third party but also says that they cant verify the accuracy of the XXXX score so at this point they are commenting secure fraud they got a security which they get security interests and a grant which is value and gave me nothing back in consideration over a XXXX score they state they can't verify the accuracy of which really doesn't have anything or was not on the binding instrument I furnished as a requirement. I have read Amex indenture, trust agreement, transfer agreement, servicing Agreement and pooling and service agreement and understand all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Transworld Systems Inc, acct # XXXX placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX is been reporting my name XXXX XXXX XXXX XXXX, XXXX XXXX XXXX which is incorrectly. Only one name should be in my report. Which is my legal name XXXX XXXX. This is causing problems trying to accomplish my dream.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
XXXX is been reporting my name XXXX XXXX XXXX XXXX, XXXX XXXX XXXX which is incorrectly. Only one name should be in my report. Which is my legal name XXXX XXXX. This is causing problems trying to accomplish my dream.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV Funding reported a collection/charge off on my Consumer report without my knowledge, full disclosure provided or my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Experian is been reporting my address as XXXX XXXX XXXX XXXX Ri XXXX. That information is not accurate and I request to be co remove from my 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 2024-03-02 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have 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 2024-03-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank Aadvantage Credit Card We had Fraud on out card from XXXX. After fraud was discovered, card was closed and new card issued. All fraud charges were transferred to new card, and are shown as " pending '' on old card. I have called 5 times and put all charges under review, and each time I call, we have to start the process over again. We still have {$2000.00} of fraud charged to our card, and our bill is dues XXXX I have asked to escalate situation, and am getting nowwhere.

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 2024-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VT

Complaint narrative:
On XX/XX/XXXX in 2023 there was a fraudulent transfer f funds from my credit card to my checking account. It was almost my entire account. The amount was then transferred to an Email that I have NO CONNECTION to. I DO NOT KNOW THIS PERSON My accont was hacked and drained. I saw it a few days later and called to claim the fraud. They gor back to me within hours and told me they found no fraud claiming that I made the transfer of funds. THIS WAS MY ENTIRE SAVINGS - why would I do that? - I was hysterical. I called them again to ask how t had happened and how my account wa hacked and what security was in place? - They had no answers- they said they would do a through investigation which apparently they had not done in thhe first place. I recieved notice XXXX weeks later that they had again concluded that I made the transaction and claimed that they funds were transefffer to a business. NOPE. it was not a business it was a private email account that they shared with me. I have now asked them XXXX more times to look into the matter filing more claims. they contine to send me the same information that they used to make the decision. They refuse to work with me and Im getting NO WHERE I wasnt my hard earned money back. THEY ARE AT FAULT. I was planning on moving half way across the country with this money This has ruined my financial and personal life. IT is UNACCCEPTALE

Company response to consumer: Closed with explanation