vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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 USC 1681. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The problem that is most critical to me personally are I as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Company, problem is that I have not yet be able to Open Bank Account in United States America since XXXX up to date my company and I does not have any Back account in U.S I have Successfully, my problem to Open Bank Account in America Bank Account has not being successful No phone number to Activate my company Account up date please I need help to be able to get International US line number SMS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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:
I would like to bring to your attention my continued concern regarding inaccuracies and mistakes on my credit report. It has been months since I initially brought these issues to your attention, and regrettably, the same inaccuracies persist in my recent credit report until now.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: AZ

Complaint narrative:
I HAVE PAID OFF MY SECURED CREDIT CARD ACCOUNT IN FULL WITH FIRST PROGRESS ON XX/XX/year> ( PLEASE SEE ATTACHED ). 

TODAY, I CALLED AND SPOKE WITH XXXX XXXX # XXXX AND REQUESTED THAT THE ACCOUNT BE CLOSED AND THAT I BE REFUNDED THE SECURITY DEPOSIT OF {$1000.00}. 

I WAS ADVISED BY XXXX THAT IT WILL TAKE UP TO XXXX WEEKS BEFORE A REFUND COULD BE ISSUED TO ME. I REPLIED, WHY WOULD IT TAKE THAT LONG FOR ME TO RECEIVE A REFUND AND WAS ADVISED ONLY BECAUSE IT WAS THEIR COMPANY POLICY. 

THEN HE PROCEEDED TO TELL THAT IT WAS IN THE AGREEMENT THAT I SIGNED, HOWEVER WHEN I ASKED THAT HE PROVIDE ME WITH A COPY OF THE AGREEMENT, HE TOLD ME THAT HE COULD NOT PROVIDE ME WITH IT. 

THIS IS COMPLETELY UNACCEPTABLE! I DEMAND THAT FIRST PROGRESS PROVIDE ME WITH AN IMMEDIATE REFUND OF MY SECURITY DEPOSIT AND/OR DOCUMENTATION SHOWING WHERE I SIGNED TO AND AGREED TO WAIT XXXX WEEKS FOR A REFUND OF MY {$1000.00} SECURITY DEPOSIT. 

ADDITIONALLY, I DONT FEEL IT IS LEGAL PRACTICE FOR FIRST PROGRESS TO KEEP MY SECURITY DEPOSIT FOR THIS EXTENDED PERIOD OF TIME WHEN MY ACCOUNT BALANCE HAS ALREADY BEEN PAID IN FULL WITH A ZERO BALANCE AND FEEL THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES. 

I AM SEEKING IMMEDIATE RESOLUTION AND REFUND OF MY SECURITY DEPOSIT FOR {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: GA

Complaint narrative:
I am being contacted by AWA Collections to pay them {$810.00} for a debt I do not owe. I have never had any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: 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 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 has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: 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 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 has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-02-07 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: IL

Complaint narrative:
The following ( ACCOUNTS ) are being disputed for Id theft. 
XXXX XXXX closed XXXX XXXX XXXX XXXXXXXX XXXX closed XXXX XXXX XXXX XXXX closed XXXX XXXX ( INQUIRIES ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 2023 XXXX  on XXXX XXXX FTC report ( XXXX ) attached

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXXXX/XX/year> I am reporting a fraudulent inquiry found in my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: Fay Servicing, LLC
State: NY

Complaint narrative:
Fay Servicing refuses to provide me with account information which I am entitled to under Financial Services Law, specifically Part 419 of Title 3 of the official compilation of codes..of the XXXX XXXX XXXX Fay Servicing, by acknowledging me as an equal borrower on this note, has failed to provide me with information that needs to be provided to each borrower. I was not notified of the transfer of this loan but rather discovered it on my credit report in XX/XX/XXXX. I received the transfer letter in XX/XX/XXXX in a packet via XXXX XXXX attorney generals office. I was not given the notice of delinquency that I am entitled to if the borrower is more than 45 days late ( 419.7 ). Never received requested payoff balance, requested annual statements, escrow balances or proof of property insurance! All this incompetence from a Mortgage Servicer. Outright refusal to provide required information! How can I verify the accuracy of this account? This needs to be removed from my credit report until ALL requested information is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Stellantis Financial Services US Corp.
State: NC

Complaint narrative:
I paid off the original loan before being due and am entitled to refund from warranty plans that were not used. The loan staff has lied to me repeatedly about my refund and when I should received it. This situation has been ongoing for 4months. The company said 8 weeks to compensate me back and they have not completed my refund yet. I received 2payments, 1payment I received on XX/XX/XXXX for XXXX, another partial payment ofXXXX was received on XX/XX/XXXX today I am still waiting for a final payment ofXXXX I was told sent XXXX onXXXX that hasnt arrived yet XX/XX/XXXX I paid the loan off in XX/XX/XXXX none of this is exceptable to my original agreement. First Investors Servicing Corporation should have done the right thing to start. They should be responsible to pay me interest on the total refund amount for the months they withheld my refund.

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 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: LA

Complaint narrative:
I lost my job and my conns home plus bill went to collections. They have call everyday the past three months and have now been calling up to 7 times each day. This has been going on for over a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
Got vanilla gift card as a gift for XXXX with a XXXX balance. 
Called XXXX XXXX XXXX. The number on back of my card. Gave required information to activate said card. Was told that card is now activated. Checked balance following day and balance was XXXX. Looked at pamphlet and noticed the phone numbers did not match. Called number on pamphlet and reported my XXXX balance and was given a case number. XXXX. 
I have not received any money yet and the case number is useless on the website

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: CA

Complaint narrative:
After receiving a copy of my XXXX consumer report I noticed there was a total of ( XXXX ) unknown and unwarranted and non permissionalble inquiriesXXXX inquiries that I didn't recognize nor have a open account with. After speaking to a representative from XXXX they advised me that it was their policy to place these hard inquiries on a consumer report so I advised them that their policy doesn't supersed federal law from the FCRA & FDCPA. My federal protected rights as a consumer was being violated by having the derogatory information on my consumer report. And that this information wasn't court ordered nor was there verbal or written permission given. The above mentioned inquiries has hindered my ability to acquire lines of credit and better interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: CA

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 confidential under 15 USC 1681. 

XXXXXXXX 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  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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: GA

Complaint narrative:
I previously disputed this erroneous debt under complaint XXXX, which was deleted from my credit reports with XXXX, XXXX, and XXXX. Another company named Avante USA has purchased this erroneous account and is contacting me to pay {$1100.00} to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I requested the previous lender, XXXXXXXX XXXX the removal of PMI providing my home had reached 78 % XXXX which the did. XXXX months later they sold the loan to RoundPoint Mtg back in XXXX of 2023 and they reinstated the PMI. I cant get a hold of them on the phone and I requested the PMI to be removed in writing. I have not hear anything from them.

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 2024-02-07 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: CA

Complaint narrative:
I check my credit report and found incorrect personal and credit information please help me to remove/update my credit and personal information. thank you

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 2024-02-07 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: CA

Complaint narrative:
I check my credit report and found incorrect personal and credit information please help me to remove/update my credit and personal information. thank you

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 2024-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Corporation of America
State: GA

Complaint narrative:
I am being contacted by Financial Corporation of America to pay {$440.00} to them. I have never had any business with this company. 


Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
SOURCE RECVB acct # XXXX placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
When I logged into my Citi credit card account, I was offered the opportunity to open a XXXX XXXX XXXX account. When I completed the application, the website indicated the request was denied. I called the citi number to find out why and the agent could not find a reason. I asked if the problem was that my thre credit reports were frozen and the response by Citi was yes. The agent suggested I unfreeze the credit reports and apply again. This cycle repeated a number fo times but each time the reason for the denial given by the agent changed. They said the denial was because I applied why using a VPN, and I was denied because the offer was not valid until XX/XX/XXXX and I applied before XX/XX/XXXX. 

I eventually received letters that gave the reason for denial as " Unable to verify information ''. So I called Citi again and was told that " uniable to verify information '' was not the reason I was denied but I was denied because my report from XXXX had information in it that Citi considered negative. I asked what information in the report was negative and Citi would not answer. I contacted XXXX and there was no negative information in their report. At least at first there was no begative information. But because I kept re-applying as instructed by Citi, the XXXX report mention there were too many ( 4 ) application requests for bank accounts in the last 30 days. But all of those were from Citi because they kept telling me to re-apply. 

So in writing Citi says " Unable to verify information '' but on the phone they say a negative report but will not tell me what in the report is negative. And for what it is worth, I have a credit score over XXXX and three credit cards already with Citi, all with perfect payment history.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, I'm trying to dispute these because I have already contacted the agencies on the date of XX/XX/2024. I have sent them this letter but they have stated that they can't remove it because it's been verified. However, I need to have these removed because of the 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