vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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: MS

Complaint narrative:
On XXXX XXXX I submitted a complaint through Cfbp 's portal alerting EQUIFAX of the FRAUDulent items on my credit report and also attached proof of IDENITY in the complaint. It's now been over 33 days and equifax hasn't deleted all of the unverified, incomplete, inaccurate, or fraudulent items even though by law under 15 U.S. Code 1681c- they should have blocked this information in 4 days. I have done everything equifax has asked now I'm requesting an equifax employee sign a letter under penalty and perjury that the accounts in question are mine. This is defamation of my character. I'm stressed so bad. Please block this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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.
State: OK

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Contacted Citi Bank regarding a letter I received in the mail saying they needed to verify my account information for my newly opened credit card with them. Called number provided and went through automated system just fine verifying the correct account with my personal information and security questions. Once I was transferred to a customer service agent, she asked for my name and phone number. I told her why I was calling and then she asked if I have another phone number to provide so they can verify me. I said no, just the one I am using and is listed on my account. She stated they need a different number not listed on the account ( which makes zero sense ). She then said they could contact my work for them to verify me, I told her I do not feel comfortable with them contacting my employer as it's none of their business who I having banking services with. She then asked if I have credit cards somewhere else, I said yes. She asked for the full card numbers. I told her I will give her the credit card company name and last 4 digits, but that I do not feel comfortable giving her my credit card information for cards not associated with Citi. She then asked for my checking and savings account numbers, again I said no. I asked if she could verify me any other way? I already have the card and the only transaction initiate was a balance transfer nearly a month ago which still hasn't went through. She said she would send me a letter in the mail and that I'll be asked to provide a reference. I asked what kind of reference, she said anyone. So I need to just list a person I know and their phone number and you will call them to verify my identity, she said yes. I asked if I could cancel the balance transfer, she said not without verifying my identity. I told her I a more than happy to provide documentation such as social security card, driver 's license etc so they can verify me and she no, the only way now is with the letter and reference. I have never in my life heard of such insane " fraud protection '' procedures. What sense does it make for me to provide a phone number not associated with my account to be verified and shouldn't they have verified me before approving a credit card? In the meantime I have zero access for using the credit card or processing a balance transfer which was the sole purpose of me getting the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Recently, my loan was sold/transferred to Roundpoint Mortgage. Upon transfer, the companies neglected to transfer my current flood insurance to the new company. By the time I found out, it was too late and the policy had expired and the new offer from the flood company had expired so I would have had to start all over with a new offer. Roundpoint then took it upon themselves to place lender placed insurance on my property. When I found out about it, I was fine with that because it was about the same price as what I had before on my own. The company was XXXX XXXX XXXX for {$1500.00}. No problem so far, right? But then another charge showed up on my account listed as insurance for {$1600.00} to XXXX XXXX. My homeowners policy is with XXXX, so who is XXXX XXXX? I have written to Roundpoint, emailed them, filed a formal complaint with them, called them, requested contact by a supervisor to explain this to me, asked who authorized this and contacted the XXXX  regarding this. No one answers me.In fact, when I spoke to an agent, he said the charge doesn't exist, but it is there. It is also causing my payment to increase by hundreds of dollars a month, which I can't afford. I had to go to the food bank for the 1st time in my life because of this last month. When I call and ask for a supervisor, I am hung up on. I want answers. Thank you in advance for assisting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
this is not my account it is fraudulent and i never ordered company to furnish my records

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 2024-05-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
this is not my account it is fraudulent and i never ordered company to furnish my records

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
this is not my account it is fraudulent and i never ordered company to furnish my records

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 2024-05-29 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: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
there was an agreement that once the loan was paid off, it would be removed from my credit report, the loan is fully paid off and has been fully paid off for a while, but they still have not removed it from my credit report how they agreed to from the beginning

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: PA

Complaint narrative:
I have been having an issue with an account on my Equifax credit report. I recently view it and after several attemps to have this matter resolved I see there still is innacurate information reporting. There is an account - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting payments late XX/XX/XXXX and XX/XX/XXXX. In accordance to the Fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states that I have a right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these late payments being late, please update my payment history to PAANL status ( PAID AS AGREED, NEVER LATE ) according to consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My account was closed and my money dissapeared for no reason I have a XXXX XXXX XXXX XXXX XXXX  and I need my money right away for bills I filed a complaint with the CFPB and the bank sent a letter that I can't access because they locked me out of my account but the subject of the letter said they were doing a " conversion '' of 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 2024-05-29 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 REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD SOME LATE PAYMENTS ON AN ACCOUNTS THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX ) ( XXXX ) ( NAME : XXXX ) ( NUMBER : XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: OK

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In XXXX Midland Credit Management placed a collection on my credit report in the amount of {$6000.00} for account number XXXX. I have asked them many times for proof they own this alleged debt and to date they have not sent what I asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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:
On XX/XX/XXXX I sent a letter to XXXX, XXXX XXXX Equifax requesting that they verify the accuracy of an account reporting on my credit reports- XXXX XXXXXXXX XXXX I have attached said letter. I sent this letter because I checked my credit reports and noticed that the account in question had different information across all three bureaus and I know that it is the credit bureaus responsibility to ensure that creditors are reporting accurately. I received a response to my letter from XXXX on XX/XX/XXXX. It stated " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' On XX/XX/XXXX Equifax sent me a notification stating they completed the dispute with no changes made to my credit report. XXXX responded last on XX/XX/XXXX claiming to have verified and updated the account information ( which I've also attached ). As of XX/XX/XXXX my XXXX credit report has XXXX XXXX reported as 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX. My XXXX credit report has XXXX XXXX reported as 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX. My Equifax credit report has XXXX XXXX reported as 60 days in XX/XX/XXXX and 60 days late in XX/XX/XXXX. I have attached screenshots for each of these instances. All 3 credit bureaus still have different information and it is negatively affecting my credit score. The only thing we can be certain of at this point is the date the account was opened and the date it was closed. I am requesting that be the only data that be reported to my credit report as clearly XXXX XXXX has not accurately furnished the data to the bureaus aside from the opening and closing dates. This was done for another account of mine which also reported inaccurately and I would consider this an agreeable resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
On XX/XX/XXXX I sent a letter to Experian, XXXX XXXX XXXX requesting that they verify the accuracy of an account reporting on my credit reports- XXXX XXXXXXXX XXXX I have attached said letter. I sent this letter because I checked my credit reports and noticed that the account in question had different information across all three bureaus and I know that it is the credit bureaus responsibility to ensure that creditors are reporting accurately. I received a response to my letter from Experian on XX/XX/XXXX. It stated " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' On XX/XX/XXXX XXXX sent me a notification stating they completed the dispute with no changes made to my credit report. XXXX responded last on XX/XX/XXXX claiming to have verified and updated the account information ( which I've also attached ). As of XX/XX/XXXX my Experian credit report has XXXX XXXX reported as 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX. My XXXX credit report has XXXX XXXX reported as 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX. My XXXX credit report has XXXX XXXX reported as 60 days in XX/XX/XXXX and 60 days late in XX/XX/XXXX. I have attached screenshots for each of these instances. All 3 credit bureaus still have different information and it is negatively affecting my credit score. The only thing we can be certain of at this point is the date the account was opened and the date it was closed. I am requesting that be the only data that be reported to my credit report as clearly XXXX XXXX has not accurately furnished the data to the bureaus aside from the opening and closing dates. This was done for another account of mine which also reported inaccurately and I would consider this an agreeable resolution.

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 2024-05-29 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: MS

Complaint narrative:
On XXXX XXXX I submitted a complaint through Cfbp 's portal alerting EQUIFAX of the FRAUDulent items on my credit report and also attached proof of IDENITY in the complaint. It's now been over 33 days and equifax hasn't deleted all of the unverified, incomplete, inaccurate, or fraudulent items even though by law under 15 U.S. Code 1681c- they should have blocked this information in 4 days. I have done everything equifax has asked now I'm requesting an equifax employee sign a letter under penalty and perjury that the accounts in question are mine. This is defamation of my character. I'm stressed so bad. Please block this information. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX XXXX, Debt Collector at Kimball , Tirey & St. John LLP called me to discuss a debt that she has been assigned to collect by a former apartment landlord of mine dating back to a XX/XX/year> move-out date. The debt collector acted subjectively, telling me my debt was low and fair. When I told her it was her opinion that the debt is " low, '' she got very bothered and hung up on me. Since then, she hasn't answered my returned calls. I have important information regarding my next steps on the debt collection - but no ability to contact her - this seems like a violation of the Rosenthal Fair Debt Collection Practices Act ( I am a California resident ) because she needs the information I have to communicate back to the debt holder ( landlord ) so that we can come to a resolution. Without my information, I'm not sure how that is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I had my account compromised and I had identity theft and now my account is restricted and my pension is supposed to be deposited and they are closing my accounts and they will not let me. Get my money out of my bank account and they have no date when they are closing my account that means I can not pay my bills or buy food I will be homeless on the streets or food to eat I am a XXXX  and that is not fair to XXXX there should be some way we can get into the account to get or money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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