vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-11 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: Freedom Mortgage Company
State: VA

Complaint narrative:
When looking to refinance my home I noticed there are multiple negative marks on my credit from Freedom Mortgage I have reached out to them a few times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I reached out before because I was XXXX and had issues trying to get into my account from out sea which caused my payment to be late. My payments were NOT over XXXX days late and it is inaccurately listed on my credit report. Freedom Mortgage clearly CAN NOT be trusted as they were recently under investigation for unethical practices. As per 15 U.S.C 1681 section 602 A. I have a right to privacy and Section 604 A Section 2 also states consumer reporting agency can not furnish an account with my written instructions. 15 U.S.C 168c. ( a ) ( 5 ) section states that no consumer agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by. more than XXXX years. Lastly, 15 U.S.C. 1681-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any 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 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: MO

Complaint narrative:
XXXX called from Advance Finacial 247 and I ask who was calling she stated her name and ask if I was XXXX XXXX she hesitated to tell me where she was calling from. Once she confirmed I confirmed my information. She claimed she was calling on a recorded line to collect a debit on a loan I had. I explained how I could not pay at this time due to receiving only {$54.00} a week in unemployment funds and I have a child to care for off of that. She asked when will I return to work and I explained currently I am in a middle of a lawsuit and all I could do is wait for this to be over. She goes to say well {$54.00} is enough to pay them every week and stated Im refusing to pay. I explained again Im not accepting the verbiage she is using and XXXX not refusing rather unable to pay and care for my child with only XXXX  XXXX. I requested my bank account stop being withdrawn from due to the overdraft fees I continue to receive. I also stated this isnt the first time I requested such. She confirmed they had attempted to with draw funds yesterday. I demanded at this point this be stopped and it was my right and if not Ill contact a lawyer. She went on to say well since youre refusing to pay collection efforts will continue. I requested a supervisor 3xs before being acknowledged and sent over to one. XXXX was said supervisor who came on and stated that shanita put in request to stop withdrawals and said she probably explained it to me it could take XXXX hours and I explained no one explained anything to me and in fact shanita refused to stop all payments. I informed XXXX I requested this to stop back in late XXXX early XXXX when my bank called and asked was it fraud due to the numerous overdraft fees and ach failures related to this company. XXXX stated she doesnt see the request but rather a payment plan discussed around that time. I requested that the recording be played because this was false and she claimed only goes back XXXX hours and no one XXXX be able to go back that far. I stated I dont believe such and that Ill continue with my complaint to the CFPB because I was told by the employee back in XXXX that they could not stop any withdrawals from being deducted from my bank account. I explained I know my rights and that I had a right to legally revoke the authorization to withdraw from my account regardless of any other previously authorizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
PLEASE REMOVE THESE ACCOUNT IS NOT MINE AND THESE INQUIRIES I DONT AUTHORIZE. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: FL

Complaint narrative:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 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 2023-10-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Over XXXX Florida families that have scholarships for unique abilities managed by XXXX XXXX for Students, are blocked from accessing our children 's educational funds without using a US Bank issued & controlled card. XXXX XXXX who is a US Bank Executive is new to the Advisory Board of XXXX XXXX for Students. 

Also, there are no US Bank branches in Florida so we are being instructed to make cash withdrawals from the card using ATM 's, which does not feel safe.

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 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I have contacted the company and spoke with XXXX who was clueless and asked me to ask the company which they sold the account to to furnish me with the 1099. According to 15 U.S. Code ss 1692g I asked for this debt validation. They have never contacted me back. This Company took a write off which makes me no longer responsible for the debt and they needed to provide me with a 1099 due to taking the credit for writing off the debt. No one has any idea what i was talking about and kept transferring me to other areas that couldn't assist me. They have violated my consumer rights by providing another company with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-12 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

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 2023-10-11 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccuatate information as you are in violation. According to the 15 USC 1681 there should be any damages on 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 2023-10-11 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccuatate information as you are in violation. According to the 15 USC 1681 there should be any damages on 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 2023-10-11 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
While traveling in the XXXX on XX/XX/2023 I was overcharged by a taxi service called XXXX XXXX. For what should have been a {$32.00} taxi ride I was charged over {$2400.00}. The taxi driver inserted my card into the reader multiple times and claimed that the card was being declined. He refused to give me a receipt and became irate when I questioned him. I did not feel safe. Two days later the charges showed up on my app and I immediately reached out to Bank of America. They said I would need to dispute the charges which I did. I was told that since I willingly handed my card to the merchant, I am responsible for the charges. They said it was not fraud. I have called the bank many times and appealed their decision. I have written them letters and have gotten nowhere. They said I am responsible to pay. I used the credit card for this reason so that I am protected against fraud or theft. I have banked with them for over 25 years, no one will listen to me. They said their lawyers make the decision. Please help me appeal this. They said if I had reported the card stolen I would have been protected against these charges. I did not give this merchant permission to charge me {$2000.00}. It is just like he stole from me.

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 2023-10-11 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: GA

Complaint narrative:
On XX/XX/2023, XXXX placed a hard inquire on my report that was unauthorized. I am concerned that this may be another incident of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccuatate information as you are in violation. According to the 15 USC 1681 there should be any damages on 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 2023-10-11 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: PA

Complaint narrative:
This is a formal complaint that trans union is being non compliance as well as dealing in deceptive practices. In XXXX I wrote a complaint on trans union with cfpb regarding them sharing personal information to which was a violation of my privacy as well as the graham leaked bliley act ( plz refer to complaint number XXXX ) to which Trans union response was inadequate because the illegal items still remain on my credit report even though under FCRA.In 15 us 1681 a2 under Exclusion states " Except as provided in paragraph ( 3 ), the term " consumer report '' does not include '' - ( A ) subject to section 1681 s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However Transunion is reporting late payments to which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which Transunion has failed to do.The following accounts are reporting illegal. 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  To which is a clear violation of the law stated above as well as 15 usc 1681a2.

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 2023-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sunbit, Inc.
State: NC

Complaint narrative:
I requested that I receive my bill by mail instead of electronically. Under federal law this request must be met. I never got a bill in the mail as I requested. Furthermore, I was never notified that there was any attempt to collect an alleged debt and I was also never given notice of my rights to dispute said debt. Now a delinquency is showing on my consumer report even though I never authorized my personally identifiable information to be shared or slanderous information to be placed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to XXXXXXXX XXXX, yet XXXXXXXX XXXX is not removing this fraudulent account. XXXXXXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXXXXXX XXXX  has refused to do this. The following is the fraudulent account : 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