vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: NC

Complaint narrative:
I filed a complaint, XXXX, about XXXX Bank XXXX XXXX of XXXX about the mistakes their branch representative made regarding our credit card consolidation wherein we had XXXX late payments tacked onto our credit report for doing what the representative told us to do. In XXXX of XXXX, we received notification from XXXX XXXX in XXXX Client Relations of XXXX that they would be removing the XX/XX/XXXX late payment off of my and my wife 's credit report but not the XX/XX/XXXX late payment : XXXX Reference # XXXX. I contacted XXXX Customer Service in XX/XX/XXXX to inquire as to why our credit reports had not shown the adjustment. XXXX representative XXXX XXXX advised she would look into it. XXXX XXXX contacted me back and apologized advising that their credit bureau XXXX would send a letter to the credit bureaus to have the late payment removed. Here it is XXXX XXXX going into XXXX and the credit reports have not shown the reflection for our credit reports. I am so sick of this mess with XXXX. I want the adjustment made to our credit reports for XX/XX/XXXX ; really should be for XX/XX/XXXX because they are admitting to the misrepresentation by the branch representative and removing one ( whacked thinking ) but we'll take what we can get at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Today ( XX/XX/year> ), I received a XXXX Capital one restricted my account. When I called to ask why, they said they wanted to confirm that the XXXX was for personal reasons. When I confirmed, they kept asking me strange questions without telling me why my account was restricted. 

This was the first XXXX I received from someone other than my mom. Capital one is holding my {$200.00} and wont help me. Ive never had this issue with XXXX XXXX or any other banks. 

I just need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: SOUTHERN TRUST MORTGAGE LLC
State: VA

Complaint narrative:
In XX/XX/2023, I obtained a pre approval from XXXX XXXX with Southern Trust with all of my current financial information to include a rental property. The lender pulled my credit and ran the ratios and assured me that this would be a loan they could make. 

The pre approval letter was generated and made a condition that I have to sell my current principal residence. Now 60 days from closing, the lenders assistant XXXX states that we have to sell our rental unit or pay an additional XXXX before we could process the loan. 

I don't understand how the information remained the same, and now they are requiring all of these to get my loan closed. I will not work with a company that engages in deceptive business practices. If this loan could not be made without the selling of my rental unit that has over XXXX in positive equity, i would have like to have been told that in the beginning. 

I also never received a loan estimate and as i think about it now, this company is not even accredited by the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: IN

Complaint narrative:
I am a victim of XXXX XXXX please remove this XXXX inquiry from 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: TFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello, on XX/XX/XXXX in the morning I called Third Federal Bank. I inquired why I was receiving monthly statements when I knew in fact I have no existing home equity loan with them. I spoke to XXXX and she said I had an open home equity line of credit that was incurring annual fees dating back to 2019. I advised her I vaguely remembering opening the home equity loan in 2019 but soon after opening the account I called the bank and advised them I was returning the entire funds/check back to them and to close out the account. The bank agreed to take back the check which they acknowledged but never acknowledged my request to close the account which I did over the phone. They claim I owe them {$260.00} since 2019. XXXX went on to say my account was flagged with red flags. Yet no one has called or sent me a letter from the bank about my account in red flag status since 2019. 

I asked to speak to a supervisor. XXXX called me later in the afternoon. All she kept saying was they will close the account when I pay them {$260.00}. I said I called in 2019 to return the proceeds check which they agreed to take back and to close the account. I have had no contact with this bank since 2019. I find it interesting Im a red flag account but no one has reached out via phone or letter about it. I still live at the same address and same cell phone. This is deceptive business practices from the bank on collecting on fees dating back to 2019. Im not even aware of. This woman was rather rude on the phone and not willing to address my concern that the account has been closed. Im also contacting NJ Dept of Banking and NJ Attorney Generals Office as well as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from 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 non-monetary relief
Consumer complaint received 2024-03-13 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: MA

Complaint narrative:
While checking my credit profile I had some hard inquiries listed that do not belong to 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 non-monetary relief
Consumer complaint received 2024-03-14 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.

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$630.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$630.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2024 Equifax received my CFPB complaint about how my information with Equifax should be equivalent to my XXXX credit report, and then in XXXX I received a letter from Equifax stating, " we were unable to locate a credit file in our database with the identification information provided. '' ( the letter will be uploaded to this complaint ) dated XX/XX/2024. When I provided my information to the CFPB, I gave my date of Birth along with the last four of my social security number. So, with all this being said how is it that my credit file can not be located but you all have reported inaccurate credit information to my credit report that I CAN SEE ( which I will also attach to this complaint )? So now everything is contradicting everything. How are you all reporting information if you all can't locate a credit file associated with my date of birth and my social security number? Make it make sense?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/year> Equifax received my CFPB complaint about how my information with Equifax should be equivalent to my XXXX credit report, and then in XXXX I received a letter from Equifax stating, " we were unable to locate a credit file in our database with the identification information provided. '' ( the letter will be uploaded to this complaint ) dated XX/XX/year>. When I provided my information to the CFPB, I gave my date of Birth along with the last four of my social security number. So, with all this being said how is it that my credit file can not be located but you all have reported inaccurate credit information to my credit report that I CAN SEE ( which I will also attach to this complaint )? So now everything is contradicting everything. How are you all reporting information if you all can't locate a credit file associated with my date of birth and my social security number? Make it make sense?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-03-14 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: NY

Complaint narrative:
Under the Fair Credit Reporting Act, you have violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To the Credit Bureaus regarding discrepancies in my credit report, After conducting a thorough examination of my credit report, I encountered significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were accurately reported. According to 15 U.S. Code 1681e ( b ), which mandates consumer reporting agencies to utilize reasonable procedures for ensuring the utmost accuracy of individuals ' information, it is evident that your obligations in this regard have not been fulfilled. 

I understand that under 15 U.S. Code 1681i ( XXXX ), which specifically addresses the handling of inaccurate or unverifiable information, consumer reporting agencies are required to promptly delete or amend such information upon confirmation of its inaccuracy or inability to be verified. Furthermore, they must notify the information provider of any alterations or deletions made. Failure to provide verifiable evidence within 15 days following the investigation necessitates the removal of the accounts and/or information specified below. 

In accordance with 15 U.S.C. 1681i ( XXXX ) regarding the method of verification, it is evident that the following accounts lack valid evidence and are therefore in violation. Kindly take the necessary steps to remove them from my credit report : 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  Thank you for your prompt cooperation in addressing 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any knowledge concerning them, and the company proceeded without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any knowledge concerning them, and the company proceeded without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 2024-03-13 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: TX

Complaint narrative:
Me and my fathers information was stolen. We have since then continued to file a dispute with the company over and over for the last several years since XXXXWe have requested documentation along with 2 different police reports as well as the FTC. Per learning more about credit reporting, they are still attempting to collect upon a debt that not only me but my father have provided detailed information regarding the identity theft. In the state of Texas there is a statue of Limitations for attempting to collect on a debt. Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. The debt per what is reporting on the credit beauru became repossessed in XX/XX/2018. The vehicle was then sold and charged off as XX/XX/2018. Still to this date they are still attempting to collect on a debt that we have continued to dispute but will not respond back to any of our letters nor notices. I am wanting to have this account 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 2024-03-13 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: TX

Complaint narrative:
Me and my fathers information was stolen. We have since then continued to file a dispute with the company over and over for the last several years since XXXXWe have requested documentation along with 2 different police reports as well as the FTC. Per learning more about credit reporting, they are still attempting to collect upon a debt that not only me but my father have provided detailed information regarding the identity theft. In the state of Texas there is a statue of Limitations for attempting to collect on a debt. Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. The debt per what is reporting on the credit beauru became repossessed in XX/XX/2018. The vehicle was then sold and charged off as XX/XX/2018. Still to this date they are still attempting to collect on a debt that we have continued to dispute but will not respond back to any of our letters nor notices. I am wanting to have this account removed.

Company response to consumer: Closed with explanation