vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/year>

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 2024-11-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: PROVIDENT FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
had identity theft which had been going on for years without knowledge. reported it to the govt and have a case number. charges were still coming in and the bank refused to take them off as paperwork was already submitted. this affected my daily balance for the last since causing XXXX in od fees and charges

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MS

Complaint narrative:
Chime closed my account but I did not receive a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: IL

Complaint narrative:
Spoke w/ a rep from XXXX XXXX  on XX/XX/year> at XXXX in regards to the modification documents I received and that I need to get notarized. I as the rep can they explain to me how did they come up with rate of 7 % for the modification and she advised that is a different department and she would reach out to the underwritings to explain and the rep came back an advised me that the underwriter stated that he would not get on the line to explain since there was a packet out. The rep stated as long as she been there she had never gotten that time of responses. I ask can I escalated and she stated yes. She then transferred me to another rep who stated that the reason for the 7 % was due to the current market rate. After XXXX this information this was untrue at the time of my approval the interest rate was 6.88 % and not 7 %. I have been told that this is the underwriters decision on this rate.

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 2024-11-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year> I sent Equifax, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: I.C. System, Inc.
State: CA

Complaint narrative:
I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.

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 2024-11-15 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: VA

Complaint narrative:
I am XXXX XXXX XXXX and pay my bills on time and have no negative information on my credit file. XXXX is reporting XXXX score while Transunion is only reporting XXXX which prevents me from getting a XXXX XXXX credit card to get points. 
I am being punished for not having a mortgage or owning property. I gave my assets to my children many many years ago and now live with on of my children. I have no need for a home. Also the reporting is inaccurate since they have a plus side and a minus side which is inaccurate reporting. The plus side says my credit card balances are not to high and the minus side is reporting the balances are too high. I should not be punished for not owning or have a property loan. I feel this is prejudice against me as a XXXX XXXX and should not be allowed. This is preventing me from being able to obtain a credit card that could save me XXXX XXXX XXXX in XXXX XXXX. 
I would appreciate an answer to this issue. 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
FAIR COLLECTIONS AND OUTSOURCI {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX FAIR COLLECTIONS AND OUTSOURCI XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XX/XX/year> Subject : Request for Debt Validation Dear Sir/Madam, I am writing in response to your recent correspondence regarding an alleged debt in your possession. 
According to your communication, you claim that I owe a debt to FAIR COLLECTIONS AND OUTSOURCI. Before any further action is taken, I request that you provide me with validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : 1. The original creditor 's name and contact information.

2. The original account number associated with the debt.

3. The date the debt was incurred.

4. The total amount of the debt, including any fees or interest.

5. Documentation establishing your ownership or authority to collect this debt.

I am exercising my rights under the FDCPA to ensure that the debt is valid and that I am dealing with the rightful owner of the debt. I also request that all collection activities cease until the requested information is provided and the debt has been validated. 
Please be advised that failure to validate the debt within the statutory timeframe will result in me disputing the validity of the debt and pursuing further legal action as necessary to protect my rights. 
Kindly send the requested information to the address provided above. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue

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 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
on XX/XX/year> i was distracted by a male who was standing extremely close behind me. this male stole my card and was able to make 2 transaction ( 1 for {$500.00} and that other for {$400.00} ) totaling {$900.00} before i was contacted by citibank fraud alert who alerted me of the fraudulent transactions and loose of my debit card. i then informed the bank these transactions where not done by me and was able to freeze the acct and i also filed a police report and was issues a new card.

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 2024-11-15 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: CA

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX {$150000.00} opened XX/XX/XXXX Inquires 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to 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 non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: ID

Complaint narrative:
Security Credit Services is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX XXXX XXXX XXXX to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ect.. This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year> I sent XXXX, Equifax, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year> I sent Experian, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.

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 2024-11-15 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting that these two accounts XXXX XXXX  XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX on Equifax be deleted for they are harming my profile with the negligence of inaccurate information being reported. Equifax has failed to delete these two accounts that is reporting inaccurate. According to FCRA 15 U.S.C. 1681 both XXXX XXXX XXXXXXXX and XXXX XXXX are reporting inaccurate payment history along with the status of the account. Attached will be a letter requesting the verification of the information they are opposing to be accurate along with the payment history that both are. It is Equifax lawful duty to make sure that creditors are reporting accurate according to FCRA 1681e.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I opened my bank statement and noticed my money was not in there. Looking back to my activity I saw I had written a check for {$7500.00} to XXXX XXXX XXXX for property taxes which I had driven to the post office. We never put mail in mailbox at our house. I immediately called Truist and spoke with a XXXX and told her that someone must have mis-keyed the amt by adding a XXXX in front. She said no my check # XXXX was for {$17000.00} and made out to XXXX XXXX. She walked me through viewing this on line. My check was totally altered. You could see the broken lines where they had erased. Name, amt. erased my memo of acct # and property address. She filed claim # XXXX I called police XXXX XXXX came to my home and filed a case # XXXX. Then I drove to the bank to take up a copy of my tax bill and other documents. The banker XXXX XXXX looked at all the info took copies and got them off to claim dept. told me not to worry bank may take up to 60 days but i should get all my money back. Then I received a decline letter saying I filed too late. I went to bank the manager XXXX XXXX didn't know anything about a time requirement neither did XXXX. She called claims dept and was told I only had 30 days. That they sent one letter " a hold harmless '' to the XXXX Bank that cashed check and would do nothing more. Refused to call them. They have not given me my money back nor made a call Account where the deposit went through mobile scan. I asked to see letter they sent and they would not show me it. Upon a call again today they said 60 days if they hear nothing from XXXX they would " reach out ''. Please help me. I need my stollen money back. I still need to pay taxes for {$7500.00} I learned our post office has a ton of theft where are the cameras? There are non how can government not care, bank doesn't care. Please help me to get my money back from this fraud. All the best.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
I am submitting this complaint regarding a charge-off account that was inaccurately reported on my credit report. Since the creditor has written off the account as a business loss, it should no longer be reported as an active debt. Additionally, the balance on a charge-off account should be reported as XXXX, as the debt is no longer collectible. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), credit reports must be accurate and reflect only valid, actionable debts. Reporting a charge-off with an outstanding balance is misleading and violates these requirements. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits reporting inaccurate or outdated information that can mislead creditors or lenders. 

I request that the Consumer Financial Protection Bureau investigate this matter to ensure the charge-off account is removed from my credit report, or at the very least, the balance is updated to zero to comply with these federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TX

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 2024-11-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
This company stated that I owed money over a debt from Check N Go which was not true. I naively settled with them for XXXX with a payment arrangement of XXXX every XXXX weeks from my debit card. I have called them at XXXX with no way of leaving a voicemail message. The telephone number they left on my voicemail was XXXX and when dialed, just hangs up. I believe I have been scammed and would like resolve and money back. They left a threatening voicemail message that I needed to call them back or hire legal representation if I didn't call them back. They threatened forwarding my information to the local county processor 's office

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation