vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
I am submitting this complaint to request your intervention in the removal of inaccurate late payments reported on my XXXX XXXX accounts ( XXXX ending in XXXX and XXXX ending in XXXX ). These late payments are being improperly reported and violate my rights under federal law, including the Fair Credit Reporting Act ( FCRA ) and other consumer protections. 

The following violations demonstrate why these late payments should be completely removed from my credit report : Violation of Privacy Rights ( 15 U.S.C. 1681, Section 602 ) : As a consumer, I have a right to privacy regarding the use of my credit information. The inclusion of these late payments on my credit report constitutes a breach of this right, as they do not reflect accurate or authorized reporting.

Unauthorized Disclosure of Consumer Information ( 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) ) : Under this section, a consumer reporting agency may only disclose account information with the consumers explicit written consent. I did not authorize the reporting of these accounts with inaccurate late payments, making this a clear violation of my rights.

Prohibition Against Improper Late Payment Treatment ( 15 U.S.C. 1666b ) : Federal law prohibits creditors from marking payments as late if received on time per the agreed terms of an open-end credit plan. In this case, XXXX XXXX has incorrectly reported these accounts as late, causing undue harm to my creditworthiness. 
I have made every effort to address this issue directly with XXXX XXXX, but my attempts have not resulted in the removal of these inaccuracies. The continued reporting of these late payments is causing significant damage to my credit profile and does not reflect the accurate status of my accounts.

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 2024-11-26 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-26 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute and file complaint to GM FINANCIAL for certain inaccuracies on my credit report, which I believe do not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My correct address is XXXX XXXX  XXXX  XXXX  XXXX, TX XXXX. The FTC report numbers related to this complaint are XXXX. Upon reviewing my credit file, I have identified several questionable entries that appear to be duplicative or otherwise inaccurate, with no evidence of authorization or approval by me. These entries do not reflect any transactions, accounts, or activities that I have knowingly initiated, and I believe them to be fraudulent in nature. Under the FCRA and XXXX, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these items and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section 605 ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under XXXX XXXX XXXX, Section XXXX, I am entitled to receive proper documentation proving the accuracy of these entries. I expect a thorough investigation and timely resolution of this matter, and should these entries remain unresolved, I will take further legal steps to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: AZ

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. 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 2024-11-26 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: AZ

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. 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 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Ive attempted to retrieve my consumer reports online via XXXX but I always get an error message. Attention : XXXX XXXX, Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Ive attempted to retrieve my consumer reports online via annualcreditreport.com, but I always get an error message. Attention : XXXX XXXX, XXXX and Experian.

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 2024-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: MECHANICS BANK
State: AZ

Complaint narrative:
I received a cashier 's check from Mechanics bank for {$1100.00}, this was the sum in my account after closing it. I tried to deposit their cashier 's check in my mobile deposit XXXX  account, and XXXX rejected their cashier 's check. I then took it to a check cashing business and they likewise couldn't cash it. I finally went to a XXXX Bank, where I would be charged {$10.00} for cashing it, but they couldn't cash it either! I called Mechanics bank XXXX XXXX to a representative, and they could only make excuses why these other businesses couldn't cash their cashier 's check. I want my money back!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was approached by XXXX XXXX stating she could help me invest in crypto currencies. I was asked to deposit {$5000.00}. She showed me how to enter and exit the market making large profits of 15 % - 33 % or more in each trade she asked me to deposit {$30000.00} to advance my profits much faster so I could pay off all my debts. I pulled funds from my retirement, wired into account, made the trade just as I was told and had almost tripled my money. When I went to withdraw I was instructed to pay Capital Gains in XXXX or XXXX to the crypto addresses they provided. This is when I figured out it was a scam and seeked help. Please refer to my attached letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-26 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: MD

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of a data breach, and I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed without delay. 
XXXX Accounts to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$7900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$900.00} XXXX. XXXX XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$7900.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX. XXXX  XXXX  ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX  I ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
The listed Companies are reporting inaccurate account information on My Consumer Report, along with the XXXX well known Credit Bureaus, XXXX, XXXX and XXXX. After speaking with the listed Companies and assured this information would be removed the account information still appears in an adverse manner. 
Under the FCRA XXXX AND 15 U.S.C. 1681C-2 The consumer has he right to block inaccurate/unverified information From Their Consumer file, I'm asking this information be Removed. within this complaint please find a file affidavit with the Federal Trade Commission, The legal fact this debt has not been verified and I did not give my Verbal or written consent in order for these entities to report is violating my Consumer Rights. 

which leads me to the ongoing problem with XXXX Credit Bureau, XX/XX/year> I began the dispute process simply asking XXXX to remove a Social Security Number which did not belong to me along with addresses and names Clearly was not mine, I've sent numerous times proof of my identity per XXXX request to no avail the information si still reporting on y Credit report and this is allowing whom ever to utilize my personal information without my permission. 

Please advise XXXX to remove his information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MN

Complaint narrative:
The property had major storm damage. Insurance paid nearly {$150000.00} which was escrowed by Simmons Bank. We sold the property and closed on it, but Simmons Bank was non-responsive when requesting the check be sent to the contractor. They finally claim to have sent it ( weeks later ) but it never showed up. It has been missing for weeks and Simmons Bank told me to wait for 90 days and refuses to respond to voicemails or emails. 

Because the contractor placed a lien on the property as they should have, all the funds ( over XXXX ) from the sale of the property are held in a separate escrow- all because of Simmons Banks actions in not sending the funds due to the contractor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

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.

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 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 2024-11-26 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: FL

Complaint narrative:
I just reviewed my credit report and found multiple inquiries from your company that I dont recognize. I didnt approve these, and theyre now affecting my credit score, which is really frustrating.

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 2024-11-26 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: GA

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). These inquiries were neither initiated nor approved by me, and their presence on my report is a clear violation of my rights as a consumer.

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 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I took an XXXX XXXX with XXXX XXXX  embarking on XX/XX/year> and returning on XX/XX/year>. 

While I was on the cruise I was charged on XX/XX/year> for {$560.00}. XXXX days into a 7 day cruise they charged me for an upgrade that they could not physically provide. I was not upgraded. Upgrades can not be made once embarked anyway, much less almost half way through. I repeat for emphasis, this " upgrade '' was not possible and certainly was not received. 

I attempted to resolve it while aboard the ship and was told multiple times over multiple days that they could not resolve it while at sea. It was a shore side mistake and the shore side office would have to resolve it when I disembarked. 

Needless to say when I disembarked the shore side office told me the opposite and that they could no longer resolve the issue. 

At this point I disputed the charge with Bank of America and they told me it was taken care of after an investigation period. Months later I suddenly get a letter in the mail stating that they were reversing the decision based on evidence provided by the cruise company. 

That evidence is a bill/ statement belonging to someone else on the cruise that happened to have the same last name as me. This person has a different first name, a different address, and a different phone number from me. 

Bank of America did not give me an opportunity to refute this evidence nor, evidently, did they even read it. It clearly belongs to someone else. In fact it probably is breaking a rule somewhere that they game me someone else 's name address and phone number. 

The evidence they are using to charge me very clearly exonerates me. They simply just need to look at it.

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 2024-11-26 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: Lengenuity LLC
State: CA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-26 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: IA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the NPD report showing my information being exposed in a national breach.

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 2024-11-26 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: IA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the NPD report showing my information being exposed in a national breach.

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 2024-11-26 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: IA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the NPD report showing my information being exposed in a national breach and a Validation of Debt Letter.

Company response to consumer: Closed with non-monetary relief