vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 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:
Consumer report agencies have assumed a vital role in the reporting of consumer information and have a duty to report information with maximum accuracy. The information on file is is incomplete, inaccurate and erroneous and is prohibited from being reported by law. I was sent several letters saying the accounts were verified as accurate and the information was still not verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I believe Experian is subjecting me to personal animus in their reporting of my FICO Score. As of today 's date my scores are as follows : XXXX XXXX XXXX ; XXXX XXXX, Experian XXXX. Experian has not changed my score for months and are reporting me XXXX and XXXX points lower. The others change scores routinely, Experian has not updated for months. How can I defend myself from personal animus displayed by this agency?

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 2024-01-06 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:
Transunion, XXXX, and XXXX have continued to furnish and disclose reports in violation of law. the are violating the scope and purpose of the FCRA and undermining banking while violating my right to privacy. The FTC identifies identity theft as using personal or financial information without permission. i have never given permission to these agencies to furnish, collect, or disclose my information. they continue to make money from federal crime. this is against federal and state law and also a violation of public policy. they are violating the universal declaration of human rights and in accordance with the us constitution i expect my XXXX amendment rights to be protected. i authorize the cfpb ftc sec irs to do everything in there power to cease these actions not only for me but for the posterity of the nation. my complaints have been ignored. they are using heasay evidence as information and ignoring those with first hand knowledge. this is a violation of title XXXX and basic principles. continue to bring claims into judiciary illegally and they must be stopped. They have violated the core principles of our society and caused unjust enrichment to those destabilizing the nation. this is treason. the have violated glba, fcra, fdcpa all privacy rights and multitudes of state laws They are creating a monopoly on peoples private information financial information and property this is unacceptable. all avenues will be pursued from here forth. I will not hesitate to use every law and oath of office to see injuction in this matter. They have been sued time and time again yet continue bad faith deceptive practice and illegal disclosure of private information. all inquries without express permission and my signature must be removed. all negative accounts must be 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 2024-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I received an email from a third party debt collection agency stating I owe XXXX {$190.00}. I do not owe them anything because I informed them before leaving to basic training that I would be joining the military. They tried to persuade me to move the services to a family member address but I informed them I do not trust that the bill will be paid. They told me to email my military orders which I did on XX/XX/2023. I left for basic training XX/XX/2023 and XXXX XX/XX/2023. From there I went to A XXXX XXXX XXXX my job in the military from XX/XX/XXXX, XXXX XX/XX/2023. I arrived at my permanent duty station in XXXX, California XX/XX/2023. I would like the balance to be explained as to how I owe when I did not have a permanent residence to set up services. This is absolutely ridiculous sending someone to collections when I clearly do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: AR

Complaint narrative:
I have a student loan that is supposed to convert into a scholarship for each year I work as a nurse practitioner. Due to a 3 month maternity leave, there has been back and forth about the final date I am still under contract. I last sent an email to XXXX on XX/XX/XXXX and I have been waiting for a response to know how to proceed as Ive been given multiple final dates and not received clarification on issues with this account. Regardless, the account is supposed to be deferred and I have never been told any different. XXXX submitted to my credit report that I have now been late twice on payments which has caused my score to drop to the XXXX and refuse to remove it after I disputed it. I have all e-mail communication with XXXX, first with them telling me my account would be due XX/XX/XXXX. I also have my last unanswered e-mail dated XX/XX/XXXX to XXXX XXXX asking for clarification to my due date. I have tried in good faith to make every effort to make sure I have fulfilled the terms of the contract and I would like the negative remarks removed as they are not valid.

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 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX I moved to Florida and attempted to open a checking and savings account online with Fifth Third Bank. I completed their online application and sent verification of my driver 's license and social security card. In order to open the account I had to deposit {$100.00} from another checking account at another bank. Fifth Third appeared to open the account online ( provided me with a check account and saving account number ) and withdrew {$100.00} from my other bank. Over the next few days I was not able to access my online account with Fifth Third and did not see my {$100.00} deposit reflected. I eventually went in person to the Fifth Third branch in XXXX, FL ( XXXX XXXX XXXX XXXX, XXXX ) to try and resolve my account issue. After numerous trips to the bank, I was told that I did not have the correct information to open the account so I requested that the account be closed and my {$100.00} returned. I waited months for my supposed {$100.00} check to be returned to me and it was never returned. I went into the Fifth Third location early this month and again tried to determine the whereabouts of my {$100.00} initial deposit. I again met with XXXX who ended up speaking with someone at Fifth Third via phone. I was told that a screen shot of the withdrawal taken from my other bank was not enough proof to issue my refund. I have been receiving a tremendous amount of runaround in my effort to get my {$100.00} refund for a checking and savings account that was never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX I filed a complaint dispute with XXXX XXXX and XXXX on behalf of information they are listing from XXXX XXXX XXXX, I.C. Systems, INC and XXXX XXXX XXXX 
Per the FCRA, as a federally protected consumer, I am now opting out all authorization I the consumer may have given you. This includes verbally, nonverbally, written and unwritten permission per 15USC 6802. Effective immediately and indefinitely.

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 2024-01-06 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: NC

Complaint narrative:
Back in XXXX of 2023 I requested a dispute request to be initiated in regards to incorrect information being reported on my credit report. It has now been more than 60 days and these matters have not been resolved. There still is incorrect information on my credit report and I have not received any type of response that these matters are even being investigated.

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 2024-01-06 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: NC

Complaint narrative:
Back in XXXX of 2023 I requested a dispute request to be initiated in regards to incorrect information being reported on my credit report. It has now been more than 60 days and these matters have not been resolved. There still is incorrect information on my credit report and I have not received any type of response that these matters are even being investigated.

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 2024-01-06 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: NC

Complaint narrative:
Back in XXXX of 2023 I requested a dispute request to be initiated in regards to incorrect information being reported on my credit report. It has now been more than 60 days and these matters have not been resolved. There still is incorrect information on my credit report and I have not received any type of response that these matters are even being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX. Supposed to be a credit line helper with a debt card. App issues continue not resolved. Business employees refused to acknowledge. I paid to card as suggested. They took from card for payment as agreed per email. Report reflected. Due to the repeated harassment I closed card. Time consuming. Seems to push certain people put. Only want job incomes. I closed. I paid in full. Not been updated on report. Reflects late falsely. I disputed. XXXX lied and just refused. XXXX lied and said i was not. They want to go back and alter report instead of state closed and paid in full.

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 2024-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I lost my job I couldn't find XXXX soon I fell behind on payments I want help for the debt at the moment they transfer me to the end of the payments to continue paying my regular payments that I had been making

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion continues to furnish false information. I have submitted multiple disputes for a collection account posting to my credit file in the amount of XXXX In XX/XX/XXXX, I submitted an online dispute through service.transunion.com and mailed in supporting documentation. This supporting documentation, which I am also attaching here, is from the collection company clearly stating this should never have been a collection and to DELETE the collection. However, Transunion verified the collection. I called Transunion on XX/XX/XXXX, and I was told I need to submit another online dispute and attach the documentation to the online dispute which I did. On XX/XX/XXXX, the online dispute " result '' posted as " delivery by postal mail '' NOT " in process, under review '' or anything that would suggest they were actually looking into the matter. I called Transunion on XX/XX/XXXX and explained the situation ( again ) and was told no supervisors were available. I was told the dispute department was " unable to see my documents '' but that " the back office '' " more than likely '' could but that " we aren't allowed to transfer calls back there '' and I was unable to verify my supporting documents had been received. This collection is causing me financial harm and I need it removed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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:
Consumer report agencies have assumed a vital role in the reporting of consumer information and have a duty to report information with maximum accuracy. The information on file is is incomplete, inaccurate and erroneous and is prohibited from being reported by law. I was sent several letters saying the accounts were verified as accurate and the information was still not verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: TX

Complaint narrative:
XXXX, Experian, and XXXX have continued to furnish and disclose reports in violation of law. the are violating the scope and purpose of the FCRA and undermining banking while violating my right to privacy. The FTC identifies identity theft as using personal or financial information without permission. i have never given permission to these agencies to furnish, collect, or disclose my information. they continue to make money from federal crime. this is against federal and state law and also a violation of public policy. they are violating the universal declaration of human rights and in accordance with the us constitution i expect my XXXX amendment rights to be protected. i authorize the cfpb ftc sec irs to do everything in there power to cease these actions not only for me but for the posterity of the nation. my complaints have been ignored. they are using heasay evidence as information and ignoring those with first hand knowledge. this is a violation of title XXXX and basic principles. continue to bring claims into judiciary illegally and they must be stopped. They have violated the core principles of our society and caused unjust enrichment to those destabilizing the nation. this is treason. the have violated glba, fcra, fdcpa all privacy rights and multitudes of state laws They are creating a monopoly on peoples private information financial information and property this is unacceptable. all avenues will be pursued from here forth. I will not hesitate to use every law and oath of office to see injuction in this matter. They have been sued time and time again yet continue bad faith deceptive practice and illegal disclosure of private information. all inquries without express permission and my signature must be removed. all negative accounts must be 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 2024-01-06 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: GA

Complaint narrative:
Pursuant to 15 USC 6802 ( C ) - ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX the consumer was not given an explanation of how the consumer can exercise that nondisclosure option to opt out of disclosing information to third party non affiliates which is a violation of this law. Your credit bureau is a non affiliate third party and I am opting out of reporting of the accounts below. 

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 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My debit card was fraudulently used by someone I do not know at an online banking service called XXXX. The criminal sent and stole {$270.00} from my checking account to this service. Chase bank told me they would investigate this and I figured this is a pretty clear case of a hacker stealing my debit card information and stealing my money. Chase has since proceeded to tell me that their conclusion is that this was not fraud and that they would not refund the stolen money. I find this to be pretty ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I mailed TransUnion LLC a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from TransUnion LLC firm stating the ID I submitted was insufficient to verify my address and identity. Also Transunion LLC state that they do not have a Credit Report for me. 

The identification I submitted is sufficient according to your guidelines and I demand that Transunion LLC examine the enclosed documents more carefully this time. I have also included my original letter for your convenience.

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 2024-01-06 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: NV

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be 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 non-monetary relief
Consumer complaint received 2024-01-06 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: NV

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made a check deposit on XX/XX/24 the bank applied the deposit, then took it back that the fund was not available. I went to the bank I wrote the check from and that bank says Wells Fargo had not presented the request for funds via the check. I took the funds out in cash and deposited them in the wells fargo account as it is the primary payer of my mortgage loan which I have had for XXXX years with wells fargo, so I called and ask them to cancel the check, they says the check is on hold and they will run it again on the XXXX. XXXX days after my mortgage auto debits. I told them I brought the funds in cash so the check needs to be cancel as they already have the funds in cash. they refused and told me that i will responsible bounce check fee from the other bank, we request a stop on the check at the XXXX XXXX XXXX XXXX but now we are being charge fees from both bank for the holding the check for XXXX  days

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