vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 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:
I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Transunion, XXXX and XXXX. They ( XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.

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 2024-09-08 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: CA

Complaint narrative:
I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, Experian and XXXX. They ( XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.

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 2024-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report 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 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have already filed 2 complaints ( this is third ) regarding this ongoing issue with Citibank and they are keeping my funds and ignoring all my attempts to get it back. As of today they have not resolved this and are ignoring all my communications to them. I need the loan disbursed to me asap. I have been making monthly payments to SBA so I don't default on the loan and ruin my credit. Citibank is refusing to do return my funds to me even after I have provided everything they have asked from me. Here was the original compaint and the issue I'm having : On XX/XX/year> I had my SBA EIDL loan for {$23000.00} deposited into my Citibank checking account. Citibank immediately froze my account and I was told by their fraud department that they will have to investigate the funds. After about 2 months they closed all my accounts and said they will return the money to SBA. It has been over a year now and SBA has not received the funds back. My loan is still active and I'm due to start making payments on it. I've called Citibank dozens of times and spent hours at a time trying to get someone to help me figure out why they haven't returned the money and to provide something in writing that shows why and where my loan funds went. They refuse to do so and most of the time the representatives just hang up on me after spending almost XXXX hours at a time on the phone. Their call center is outsourced and it is very hard to understand and communicate with their agents and they are very unhelpful. They keep telling me they will need to talk to someone in the " back office '' and they transfer me there but either they hang up or I would just be on hold for hours without anyone answering my call. I went into the branch and they also have to call the same number and go through the same process customers do so going into a branch was no help at all. Please help me get my loan returned back to SBA. I don't want to be stuck paying a loan for 30 years that Citibank stole from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: GA

Complaint narrative:
Subject : XXXX XXXX Transunion for XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Transunion regarding their handling of my " Request for Reinvestigation and Detailed Description of Verification Methods. '' On XX/XX/year>, I submitted a comprehensive request to Transunion to reinvestigate inaccuracies on my credit report and to provide a detailed description of the verification methods used. However, XXXX rejected my request, stating that proper identification was not provided. 
I strongly believe that this rejection is unwarranted and constitutes a procedural failure on the part of XXXX. Enclosed with my original request were the following documents : XXXX. A signed and dated dispute letter outlining the inaccuracies on my credit report. 
XXXX. Copies of my credit reports from TransUnion, XXXX, and XXXX highlighting the disputed items. 
XXXX. A copy of my government-issued identification ( driver 's license ). 
XXXX. A copy of my Social Security card. 
XXXX. A recent utility bill verifying my current address. 
XXXX. Any additional supporting documents substantiating my claims. 
I have thoroughly reviewed Transunions guidelines for submitting disputes and ensured that all required documentation was included. The claim that proper identification was not provided is incorrect and has resulted in an unnecessary delay in resolving my credit report inaccuracies. 
Violations of Law I believe that Transunion 's rejection of my request and the subsequent delay violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : XXXX. 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) : This section requires that credit reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. 
XXXX. 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ) : This section mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. 
XXXX. 15 U.S.C. 1681s-2 ( a ) ( XXXX ) : This section states that 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 non-monetary relief
Consumer complaint received 2024-09-08 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: PA

Complaint narrative:
RE XXXX XXXX  Block Request Dear Sir or Madam, I am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that 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 2024-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: OH

Complaint narrative:
A required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection account on my consumer report This omission denies me the opportunity to verity the accuracy of the debt they claim I owe 1 I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This denial at the dispute process deprives me of my rights to challenge any inaccuracies or discrepancies regarding te alleged debt 3. IQ DATA INTERNATIONAL INC. has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 4. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006,34 ( d ) and 15 USC 1681-S 2 ( 7KA ) I DATA INTERNATIONAL INC. is flagrantly disregarding consumer protection states. I demand that the Consumer Financial Protection Bureau investigate these egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
A required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection account on my consumer report This omission denies me the opportunity to verity the accuracy of the debt they claim I owe 1 I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This denial at the dispute process deprives me of my rights to challenge any inaccuracies or discrepancies regarding te alleged debt 3. XXXX XXXX XXXX XXXX has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 4. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006,34 ( d ) and 15 USC 1681-S 2 ( 7KA ) XXXX XXXX XXXX XXXX is flagrantly disregarding consumer protection states. 
I demand that the Consumer Financial Protection Bureau investigate these egregious.

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 2024-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: MI

Complaint narrative:
I reached out a few months ago as loan care had not paid my homeowners insurance for the year that they had had my loan. upon reaching out to them they told me that there was no money in my escrow account for the insurance and if I wanted them to pay it, I would need to pay about {$1200.00}. I told them that on my closing paperwork it shows that I am paying homeowners insurance each month to go into an escrow account to be paid by them. For weeks different employees would tell me that I was misinformed and there was nothing they could do. Finally, I talked with an employee who saw my closing paperwork, admitted they were wrong and said they would have it fixed right away. They then paid my homeowners insurance from escrow and I never heard back. It is now two months later, my property taxes have not gone up Since the last time loan care increase my payment {$100.00} to account for the property tax increase. Yet, when I went to pay this month, it shows that I am now paying additionally into an escrow account for my homeowners insurance. This is the exact amount they told me I would have to pay when they all said I was not paying in the first place. Through all this, I never received a check for what would have been left over As the gentleman I got my mortgage through in the first place said I should have been if they werent paying my insurance. As he set my paperwork up and knew That the homeowners insurance was in fact set up to go into an escrow account. Loan care doing this shows that they miss allocated my funds in the first place, Did not disperse them back to me, and has now raised my payments again to cover the mistake they made in the first place. This company is practicing in bad faith, seems to be misallocating funds, and is overall robbing their clients. The below documents show how they have continues to increase my payments now 3 times, with only one increase being due to property tax increase.

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 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
On or about XX/XX/year> I opened a checking account with Huntington Bank online! Approximately two weeks later I was locked out of my online access! I called and the representative unlocked my access! The same day I was locked out of my access again! I contacted the bank customer service number and was told that I needed to come in with my Social Security card and identification to verify my identity. 

On or about XX/XX/XXXX I contacted the bank again and communicated my difficulty in Physically being able to present myself into the branch Due to being in a location, currently not serviced by one of the branches! I informed the representative that I am a XXXX person and traveling is very Difficult for me, I understand the rules of the USA patriot act requires them obtain this information! They had already opened my account, allowed me to fund the account allowed me to make transactions on the account, And now they have barred my access to allow me to verify the safety of my funds And recent transactions! 

I asked the representative how many other banks allow the opening of bank accounts in the United States without ever seeing a customer inside of a branch and he couldnt answer So I presented a reasonable alternative that should suffice the patriot act. I asked if he could send me an affidavit requiring the information the bank needed from me, allowing me to have a notary, verify my identifying documents, in my presence. And forward that document to a representative in the bank that could lift my being frozen out of my account. 


The representative at Huntington Bank said that they required anyone opening an account with them to Come inside the branch. 


He had no answer as to why they do not allow legal representatives such as a notary to verify for them He also had no answers to how they made their services available to Americans with XXXX I have also been put out by canceling the direct deposit from My government benefits that were scheduled to be paid there this coming Monday XXXX  By redirecting them to Another financial institution that I have been using that has higher fees, causing me to have to wait an additional week for my funds to come in the Mail during the temporary validation. That the government benefits require while validating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NV

Complaint narrative:
I tryed to pay for food through there, on. Line. Service to get food and did not get to order. There, all " so '' is a fraud procees. An bank account to Food Stamp card arrangement cause the bank did not give XXXX to me for the food purchase at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My initial awareness of unauthorized inquiries on my credit report became known to me as I ran across a headline on my XXXXXXXX XXXX feed where another data breach had occured. Taking that event into consideration, I went about checking on my credit to see if there was any errors that was unbeknowst to me during that time. Upon doing so, I had noticed there were several inquiries that I had no knowledge of nor had given each of those financial institutions any permission to pull my credit at any point in my life so far. With this information in hand, I sent out a letter by certified mail to Equifax on XX/XX/year> in which I stated that there were erroneous inquiries on my credit report that did not have permissable permission from me to exist on my credit report. Additionally, I requested that those listed inquiries be investigated and removed due to them being unauthorized by me. ( please see attached letter that was sent ). I patiently waited 30 days per FCRA rules for a response and never received one. In the month of XXXX ( last month ), I checked my credit report then to see if during the updating of my credit report phase had occured, had there been any changes/removals of the unauthorized inquiries to which I discovered there nothing had been removed but instead, I discovered 2 new hard inquiries that are listed/titled as " XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX There has been more than 30 days since initiating communication with Equifax via certified mail of my complaints during the month of XXXX and yet those inquiries had not been addressed or answered to per FCRA rules. Due to nothing having changed to the date of this complaint 's writing, I'm consistently being negatively affected by these errors lieu of the credit reporting entries against me. Additionally, theres a repeat of offense in yet another unauthorized credit inquiry being placed on my credit report. This discovery happened on XX/XX/year> as I scrolled through my XXXX account and noticed that a financial institution had put a new hard inquiry titled " XXXXXXXX XXXX  '' on my Equifax credit report. Conclusively, Equifax has failed to execute their responsibilities of adherence to consumer law and FCRA policy to which their governed and are committing civil liability for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: FL

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 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The company has Violated my rights 15 U.S.C 1681 section 602 A. State I have the Right Privacy.

15 U.S.C 1681 Section 2 : it also States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section State ; no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information, other than records of conviction of crimes which antedate the reporting 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: FL

Complaint narrative:
XXXX Bank is reporting that I was late on my payments for XXXX days but I have proof payment was made in advance for the months they are claiming, payment was not received. I contacted them over the phone and they informed me they can not do anything about it or make changes since it is already being reported. 

I have written to XXXX, Equifax and XXXX, for the past XXXX ( XXXX ) months, regarding the inaccurate information they are reporting, on behalf of XXXX XXXX, about my payment history. The three bureaus are reporting my payment history as Current, was past due 60 days OR Paid or paying as agreed but reflects the inaccurate missing payments, still, under section two-years payment history. 

I have sent out over three letters asking to validate debt and providing letters with proof of missed payments but nothing has been resolved. This is effecting everything from buying a home to my health. I really would like to get this resolved. My account is closed and XXXX XXXX has sent me checks because I overpaid the account. 

I received a statement from XXXXXXXX XXXX for XX/XX/year> with a statement balance {$380.00} that was due XX/XX/year>. A payment was made on XX/XX/year> for an amount of XXXX. Payment was processed and accepted. 

My XX/XX/year> statement had a balance of - {$37.00}. They may be reporting I missed a payment because I did not have a balance to pay but I should not have a low score because I paid my bill balance. Look forward to this being rectify.

Company response to consumer: Closed with non-monetary relief