vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: WA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX C.U Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX C.U Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX & XXXX XXXX Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
XXXX I WAS ASKED TO SUBMIT MORE INFORMATION i SENT VIA XXXX AS I COULD NOT FIND THE UPLOADING KEY- THUS- THE JUDGE IN PROBATE AS THERE WAS AN ORDER - AND HEARINGS AND I FILED TO BE ADMINISTRATOR OF MY HUSBAND 'S ESTATE AND THE ATTORNEY FOR THE CREDITOR TOLD ME AS LONG AS I KEEP WORKING WITH SELECT PORTFOLIO SERVICING Inc. AT A HEARING - WHERE I BROUGHT WITNESSES TO THE HEARING AS ALL I NEEDED WAS A SWORN STATEMENT OF HEIRSHIP. AS THE XXXX  I HAVE ALL I NEED TO PROVE THAT- AND COULD NOT TRANSFER THE DEED- BECAUSE = FOR XXXX YEARS i TRIED TO SEE THE JUDGE- BEGGING AND- ONLY SECRET HEARINGS AND IT WAS TO KEEP ME AWAY FROM MY RIGHT TO DUE PROCESS- TO BE HEARD, AND TO THE EQUAL PROTECTION- TO BE FREE FROM THE DESTRUCTION OF MY HOME BECAUSE THEY DID NOT WANT NE TO LIVE THERE- SO WITH YOUR HELP HERE- AND CFPB- I WAS able TO GET THE HELP-TEMP - AS THEY WENT BACK TO FALSE PROMISES- THAT PUT ME IN THE XXXX-i AM NEEDING TO KNOW WHY AS THE " XXXX XXXX DID I NOT GET THE RIGHT TO BE HEARD? AS IF THE HEARING IS CANCELED- WHERE DID THAT ORDER COME FROM- AS i TRUSTED THEIR ATTORNEY WHO SAID NO FORECLOSURE AS LONG AS i KEEP TRYING-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Back in 2023, my husband and I have decided that we want to take the necessary steps of buying a house and pulled our credit reports to see make sure it was in good standings. I am writing to file a formal complaint regarding the actions of State Employees Credit Union ( SECU ) in relation to my account ( XXXX ) and their failure to provide necessary documentation, as well as their wrongful reporting practices, which have had severe consequences on my financial stability and well-being. 

According to Section 15 USC 1681 ( g ) of the Fair Credit Reporting Act ( FCRA ), consumers have the right to request and receive a copy of any XXXX forms for XXXX debts. Despite repeated requests to SECU, I have not received the required XXXX forms for the charge off ( XXXX ) associated with my account ( XXXX ). This failure to provide essential documentation has left me in a precarious financial situation, impacting my ability to provide for my family and jeopardizing our well-being. 

Furthermore, under Section 15 USC 1681 ( a ) ( XXXX ) of the FCRA, creditors are obligated to provide accurate information to credit reporting agencies. However, SECU has wrongfully reported these charge off accounts, which have had a detrimental effect on my XXXX XXXX and financial standing. This inaccurate reporting has exacerbated the challenges I face in maintaining my financial stability and has hindered my ability to access necessary credit and resources. 

Additionally, I have submitted disputes regarding these fraudulent accounts to SECU. However, despite my efforts to rectify the situation, SECU has continued to report these disputed accounts, further damaging my XXXX XXXX and exacerbating my financial hardships. According to FCRA regulations, reporting on disputed accounts should be suspended until the dispute is resolved, yet SECU has disregarded this requirement, causing significant harm to my financial well-being.

Therefore, I urge the Consumer Financial Protection Bureau to investigate these violations of the FCRA by SECU and take appropriate action to ensure that my rights as a consumer are upheld. Specifically, I request that SECU be compelled to provide the necessary XXXX forms for the charge off ( XXXX ) in question and that the wrongfully reported accounts be removed from my credit report immediately. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and protect consumers like myself from unjust and harmful practices by financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I received several alerts for an XXXX XXXX  on XX/XX/XXXX. What really stuck out for me is that the XXXX where I had purchased my XXXX  from XXXX years ago was listed as running my credit report. Along with XXXX other banks listed. The report came from Experian but XXXX was listed with each alert. I called Experian but then they told me I had to call XXXX. I called XXXX. They said they have nothing in my report showing those inquiries. So then in XXXX told me That I need to call the Federal Trade Commission. So here I am, I do not know where I need to start to get this resolved. I call XXXX company they tell me to call another company that company tells me to call the Federal Trade Commission. Ive been trying really hard to keep a good credit score. Please help!! XXXX more piece of important information is the the credit run is all in Texas. Im in Colorado since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: AL

Complaint narrative:
I recently reviewed my credit report and noticed and account not reporting accurately. I have late payments showing for an account I was on time for. The consumer credit reporting agency need to report all inforwith complete accuracy. I have attached a copy of the inaccurate report. Account # XXXX ( XX/XX/year> ) I'm now requesting an investigation on this account and understand the these payments to paid on time. Thank you for your prompt actions.i have attached screenshots to show the inaccuracy.

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 2024-05-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently reviewed my credit report and noticed and account not reporting accurately. I have late payments showing for an account I was on time for. The consumer credit reporting agency need to report all inforwith complete accuracy. I have attached a copy of the inaccurate report. Account # XXXX ( XX/XX/2022 ) I'm now requesting an investigation on this account and understand the these payments to paid on time. Thank you for your prompt actions.i have attached screenshots to show the inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I've been disputing a {$10000.00} credit card charge with American Express for months now, as this issue has been going back and forth with the dispute team for quite sometime. I had finally received a secure message on their website in XXXX regarding the inquiry indicating that the dispute had been resolved in my favor and it will be credited on my next billing statement in XXXX. While this was going on I had a revolving pay over time balance but because they didn't recognize the credit for the disputed charge they claimed my account had to be paid in full with a balance to include the {$10000.00} charge as it was now included into the balance and not recognized as a credit and was now overdue. They wanted to put me on a payment plan as I was not able to pay all this upfront in addition to the disputed amount that they claimed I didn't owe as per the secured message but now said they didn't recognize. I called and had many conversations with different customer service representatives about this and couldn't get anyone to make sense of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
A check in the amount of {$34000.00} dated XX/XX/2023 from TD XXXX drawn on XXXX XXXX XXXX XXXX XXXX was sent to me. I never received this check and was informed it had been negotiated by TD Bank on XX/XX/2023. 

XXXX XXXX XXXX XXXX XXXX has taken the required steps to retrieve the funds but at this time TD Bank is no longer communicating with them and has not honored their demands that the funds be returned. I have been informed that the funds are being held in a XXXX XXXX Account as the account the check was deposited into was flagged as a fraudulent account. Also, it is quite obvious that the check had been altered. 

I have also emailed and called TD Bank and have received no response. As this is an inheritance check from my grandmother I feel that TD Bank is being negligent in handling this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: TN

Complaint narrative:
I received XXXX identical credit cards from US Bank using my name. Same acct number, expiration date and security code. None of these cards were requested. Nor have I ever charged anything to XXXX of these cards. The card number ended in XXXX. 

XX/XX/XXXX I received notice that that card was cancelled, AFTER THOROUGH REVIEW by US Bank, due to suspected fraud. 

On XX/XX/XXXX I spoke by phone with " XXXX '' of US Bank who said " everything is shut down ''.. 

On XX/XX/XXXX I was notified that the acct was past due in the amount of {$59.00}, with a balance of {$5900.00}, I assume that the {$59.00} was a late charge because I didn't pay for fraudulent charges ; and I never will. 

Also on XX/XX/XXXX I spoke by phone with " XXXX '' of US Bank to explain, once again, that ALL of these charges were fraudulent. I believe she understood that I had no intention of paying fraudulent charges, or late fees on such charges. 

During XXXX XXXX I received XXXX separate written communications from US Bank regarding request for credit in my name. There were no duplicates. The requests included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank KNEW/OR SHOULD HAVE KNOWN that charges on credit card ending XXXX were fraudulent. If US Bank searches their records using my name and address they will find all of these communications. So hard for US Bank to claim ignorance of the fraud. 

None the less US Bank has attempted to get me to pay for the fraud. To add insult to injury, they have also attached late fees and interest. They have also reported the acct to credit monitors as delinquent. 

XXXX closing on XX/XX/XXXX had a previous balance of {$6000.00}. Statement closing on XX/XX/XXXX showed a previous balance of {$2600.00}. Apparently US Bank is finding some fraudulent charges and deleting them. However, ALL of the charges on acct XXXX are fraudulent and should be removed. 

The last payment I made to US Bank for legitimate charges ( on a different card ) was in XXXX of XXXX. To be clear, I have not charged anything to a US Bank credit account since XXXX of XXXX. Further, I have no intention of paying for fraudulent charges ; and US Bank should not expect me to do so. 

Apparently US Bank thinks I should pay or they were try to damage my credit rating. Credit rating on XX/XX/XXXX was XXXX per US Bank via XXXX. Not that high now. Thanks US Bank!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-06 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: CA

Complaint narrative:
This is my last attempt to get this fraudulent item off my Experian credit report. XXXX and XXXX have already removed it due to fraud but you continue to violation federal law by reporting fraudulent information not associated with 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 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P.
State: NY

Complaint narrative:
I received a letter from my bank that XXXX was taken out of my account from a legal document, regarding a debt collection. Only info the bank had was to contact XXXX XXXX XXXX XXXX. I contacted his office and was told this judgement was from XXXX. I dont have a XXXX credit card other than XXXX XXXX which was active and in good standing. I then Called XXXX, they wouldnt give any Information other than, I had XXXX accounts in the past with them a XXXX XXXX XXXX and an active XXXX XXXX account. I was never contacted about this debt, I was never given information that I had a judgment against me, I never received any court documents. How is this legal? XXXX has a statue of limitations, if this debt was in fact mine and not fraudulent, this far exceeds the statute of limitations.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have an Ulta Credit Card that is serviced by Bread Financial. 

I have never been late on this card and always pay the full balance that is due. 

I thought I had autopayment set up on this card and did not and paid the balance in full on XX/XX/24. 

I emailed them through their message system to advise them of this and asked for the late fee to be waived on {$29.00}. They confirmed in email that they would credit back the late fee on XX/XX/24 however the credit was not the full amount and only {$15.00}. 

I emailed them back on XX/XX/24 and requested the full fee to be waived of {$29.00} as they only credited a partial fee. 

XX/XX/24 they emailed back and sent me a long auto draft email on disputing a charge and did not fix the issue. 

XX/XX/24 I emailed them again and asked that the full late fee of {$29.00} be refunded per their original confirmation that it would be credited on XX/XX/24. 

XX/XX/24 they emailed with an auto email stating that they had credited me back {$15.00} late fee and that I was not eligible for another credit. They did not answer why the full late fee was not credited at all. 

XX/XX/24 I sent another email advising them that they did not credit me back the full late fee of {$29.00}. 

XX/XX/24 - I sent an email requesting the full late fee be credited, I expressed total dissatisfaction and asked to speak to a supervisor. 

XX/XX/24 - they sent an email back with the same auto response that I had received a credit of {$15.00} and also how late fees are charged. I did not speak to a supervisor nor was my issue escalated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-06 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: WA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX C.U Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX C.U Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX & TRANSUNION LLC Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation