vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

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 XXXXXXXX XXXX 15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify 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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This regarding a Capitol One Quicksilver credit card opened in XX/XX/XXXX and ending in the last XXXX digits of XXXX, credit report shows late payments from XX/XX/XXXX XXXX due to hardship endured during the covid XXXX pandemic and my state of residence, California, was under a full lock down. The amount due was paid but was late due to the financial hardship encountered. Contacted Capital One and they said that theres not anything they can help me with regardless of the pandemic situation. This negative remark is impending my ability to apply for a home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX It's showing that I've had multiple late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up.

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did.

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP?

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

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 XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the 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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Park Hill Holdings
State: TX

Complaint narrative:
Hello XX/XX/2023 I applied for a property with XXXX XXXX. XXXX uses a 3rd party SafeRent to verify my information. Within XXXX minutes I got a denial email from XXXX and SafeRent. My leasing agent from XXXX called and told me to dispute my information with SafeRent directly. Immediately I called SafeRent and explained the information verified is inaccurate and has impacted my livelihood. I was informed that this company called XXXX XXXX courts directly and spoke with XXXX XXXX XXXX to verify the information. In which I know for certain isn't accurate because not only does this violate my Consumer Rights, but as informed by county clerk XXXX XXXX XXXX XXXX XXXX. Several XXXX XXXX Clerks have assisted me with this ongoing issue. I am overwhelmed trying to get SafeRent to verify in full the information that I've disputed directly with them. Soon after getting denial from SafeRent, I had to apply with XXXX who thoroughly investigated the documents and even chose not to use the automated XXXX system. They had to verify my submitted documents by calling directly to the property on XXXX XXXX. If SafeRent would have taken the due diligence or cared about consumers they will realize that the SSN, DOB, and ID information doesn't match my information. They have based their denial fully by submitting my name in an automated database. Please assist, I've provided attachments and court documents even an notarized sealed letter from an attorney. SafeRent still says they called the County Courts to verify and has the information inaccurate in their database. This violates my consumer rights and also impacts my family livelihood in finding a place to call home.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: MI

Complaint narrative:
In accordance with the fair credit reporting act convergent Jefferson capital has violated my rights 15usc1681 section 602a stars I have a right to privacy also 15usc 1681 section 2 it also states a consumer reporting agency can not furnish a account without my written permission or instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: SC

Complaint narrative:
I had an 2 unauthorized charge thru chime and I had file a dispute for it 4 time and all being denied and I requested the documents on why being denied believing the dont even bother to investigate it sand they never send me the documents. And when I ask to speak to supervisor of the dispute team they kept on hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I received an alert that ( 11 ) delinquent US Dept of Education accounts were added to my consumer report. These accounts were previously removed by TransUnion in XXXX due to being re-aged by the original creditor Navient ( CFPB Complaint # XXXX attached ). Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act, TransUnion was obligated to notify me, in writing, no more than ( 5 ) business days after re-inserting these accounts onto my credit report ( this did not happen ). TransUnion received a credit dispute from me on XX/XX/XXXX, regarding the matter and other discrepancies found on my consumer report. ( credit dispute letter and certified mail receipt attached ). 

TransUnion failed to investigate the issue and did not respond to my credit dispute. In XX/XX/XXXX, I contacted TransUnion by phone, on a recorded line, and spoke with a supervisor who confirmed that my dispute results were never mailed out. I filed a complaint with the CFPB on XX/XX/XXXX ( complaint # XXXX attached ) regarding TransUnion 's nonresponse. On XX/XX/XXXX, TransUnion responded to the complaint stating, " We have removed the identified items from your TransUnion credit report. '' They also informed me that I would receive an updated credit report within 7 business days.

It's been ( 15 ) business days and I have yet to receive an updated credit report showing the items they claimed to have deleted. I did not receive an alert from my credit monitoring services that these accounts were ever removed so I pulled my credit report ( 10 ) business days after the complaint ( XX/XX/XXXX credit report attached ). TransUnion was still reporting these accounts. As of today, XX/XX/XXXX, all ( 11 ) US Dept of Education accounts and the XXXX XXXX late payment continues to report ( today 's credit report attached ). TransUnion lied to the CFPB and myself, regarding the " relief '' they offered in complaint # XXXX. And due to their falsehoods, this month I was denied business credit and my credit score dropped XXXX points. In court, this could be seen as willful noncompliance and I now have punitive damages. I am filing this complaint to find out why TransUnion did not delete the items they told us they had already deleted on XX/XX/XXXX ( complaint # 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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.

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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
On Friday, XX/XX/2023, I initiated a transfer from my bank to my XXXX account. I had successfully done so a day or two before this time. On Friday, I received an error message saying that they had suspended my transfer and to contact the bank. This was an error with their system I was informed by the bank when I spoke with them the following day ( which was the earliest time I could contact them since the transfer was not during regular banking hours. ) I attempted to contact them three times at the earliest time listed for their hours, and couldn't get through to a customer care agent, as I was advised the bank was closed... even though it was supposed to be open. I called back later and was able to talk to an agent who did say the system had a problem, they were aware of the problem, and they were working to fix the problem, but had no estimate of when the problem would be resolved. I tried again the next day I believe, to see if it had been fixed, and it had been. However, this morning I was notified that the amount was transferred twice, due to this error on the bank 's end. This was very upsetting. This bank had taken over the bank I was initially banking with, and I had never experienced anything like this with the previous bank, or any other bank I've done business with in the past 30 years. Today, the customer " care '' representative told me " Mistakes happen. '' Well, not with my money, they don't. ( Their automated answering system is terrible, and the call dropped three times ( on their end as I made this call with a wired landline phone. Then I had to wait for 15 minutes on hold when I finally was able to complete the connection. ) She said that if they tried to fix it on their end it could take up to 10 days. She told me that I should just transfer the funds from XXXX back to my account. Yes, I already knew that, but I shouldn't have been inconvenienced because this bank made what could have been a serious mistake. I think this is very unprofessional of them. Her attitude was just the icing on the cake. I think it was a " mistake '' to hire HER. Also, it was a mistake for me to use this bank.

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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
OnXX/XX/2019, I opened an account with TD BANK, via the web ( online ), it was approved. In total there were two accounts, one checking and one savings. I requested my debit card, it arrived and when I activated it by phone, they blocked my access to the account. From then until today, I have made thousands of attempts to get the problem resolved, including the solution that they closed my account and sent me a check to my current address and they tell me that they can not do it, that I must personally introduce myself to a branch. I had to leave the XXXX due to a family health problem to XXXX, and since then I have requested the reactivation of the account, even after having gone through all the identification mechanisms with the fraud department, with the customer service department customer. etc and the answer has always been that I must go through a branch. I told them that they could not be so closed because if I had a physical or circumstantial impediment that prevented me from traveling to the XXXX, they can not withhold money from me for as long as they want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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