vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was sick in the XXXX  with XXXX for 2 months and immediately upon discharge I contacted XXXX and made payment arrangements and was told by 2 different customer services reps on 2 different dates with the last date being XX/XX/22 where I was advised that even though I was in the XXXX with XXXX  that the CARES act did not apply to them and I could not get a deferment. I made arrangements to bring my account current and was told that I would not get a late payment and I would not be charged late fees. I was given both immediately after! I called back and asked the manager to review both calls which she did and said that would provide better training for staff but would not rectify my situation. I disputed with all credit reporting agencies. Experian DID NOT do a thorough investigation I disputed on XX/XX/22 and on XX/XX/22 it responded with verified

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
opened my checking and savings account on XX/XX/XXXX of 2022 for the {$600.00} promotion following the rules of the promotion depositing {$500.00} in the form of a direct deposit within opening to the checking account, and a recurring deposit of {$200.00} 3 months in a row in the savings account. 

the promotional mailer spells out these specifics, and says that account bonus will be paid by XX/XX/2022 at the latest, if opening in XXXX. 

I contacted Citizens bank on XX/XX/XXXX regarding the missing bonus, and was told my account was in a " closed status '', which is not accurate, as it remains open, and they still have my money in both savings and checking. 

Additionally, I was told they would research this issue and respond within 2 business days. Almost a week later and still no response and the bonus has not been deposited as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX illegally obtained my personal information, to report inaccurate information. They are not the original creditor. 

XXXX XXXX XXXX failed and neglected to obtain original documentation to accurately report this claim. 

XXXX including Equifax is also liable and guilty for claiming to legally verify this account information. 


This account is being reported as a collection account but the status remains active/open. 
This account open date and status update can not be the same. 

XXXX XXXX XXXX has re aged this account showing to be opened in XXXX when in fact the account was opened in XXXX. This is fraud I will be filing a complaint with the attorney general, this is against FCRA and other rights of the consumer. 


XXXX XXXX XXXX delete account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX illegally obtained my personal information, to report inaccurate information. They are not the original creditor. 

XXXX XXXX XXXX failed and neglected to obtain original documentation to accurately report this claim. 

Experian including XXXX is also liable and guilty for claiming to legally verify this account information. 


This account is being reported as a collection account but the status remains active/open. 
This account open date and status update can not be the same. 

XXXX XXXX XXXX has re aged this account showing to be opened in XXXX when in fact the account was opened in XXXX. This is fraud I will be filing a complaint with the attorney general, this is against FCRA and other rights of the consumer. 


XXXX XXXX - delete 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 2022-07-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
We signed paperwork with Flagstar bank in XX/XX/XXXX to complete a VA loan modification for our home that was in COVID forbearance. We made the first payment on this loan on XX/XX/XXXX, per the terms of that agreement. At the same time, due to having no faith that Flagstar was following the correct VA procedures, we placed our home for sale and planned to leave California. The home was sold on XX/XX/XXXX. When our closing escrow company called for the final payoff with Flagstar bank, it was without the partial claim amount that was created as part of the loan modification. 

This caused several issues, but the escrow company agreed to withhold the funds + {$20000.00} of our own funds in reserve, to ensure payoff when the partial claim was finally settled. Because Flagstar did not work with the VA properly to process the loan modification ( per XXXX XXXX, VA Loan Technician XXXX - XXXX EXT. XXXX ) the partial claim still exists at Flagstar bank. My repeated calls to Flagstar Bank continuously end in 'escalation ' to management/underwriting that frustratingly lead nowhere. All I need is the proof that the partial claim still exists at Flagstar bank, so that my escrow can be fully closed. 

Additionally, Flagstar bank repeatedly sent me to XXXX XXXX XXXX XXXX, who struggled mightily to help me, but they never received the partial claim and therefore could not help me. It was XXXX who escalated to the VA, who confirmed the error was with Flagstar Bank. Having been a Flagstar customer who routinely witnessed the bungling of even simple processes and the poor call center employees who seem powerless to help, I am not surprised that Flagstar bank found another way to XXXX things up. It's almost as if the company has decided it's purpose is to be obstructionist with respect to servicing of loans, and VA loans in particular. This is my second CFPB complaint in regards to Flagstar Bank. No other institution has ever led me to create another one.

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # XXXX, has violated my rights. 

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. 

Furthermore, XXXX XXXX has reported to the credit agencies conflicting information stating under the Additional Information Section of my credit report that " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$4500.00} ; '' however, they also are reporting that my balance is {$23000.00} of XX/XX/XXXX. I am confident that you will find the attachment as self evident of these facts.

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

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. 

Furthermore, XXXX XXXX has reported to the credit agencies conflicting information stating under the Additional Information Section of my credit report that " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$4500.00} ; '' however, they also are reporting that my balance is {$23000.00} of XX/XX/XXXX. I am confident that you will find the attachment as self evident of these facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, 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: MS

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. 
XXXX XXXX XXXX - Account # XXXX - has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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- States A consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report by more than seven years.

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 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity bank/express sold of my debt to an outside company closed my account and charged it off, unfortunately for them the next day i received a loan to repair my credit and I paid the credit company that bought my debt in full what was owed. Comenity bank apparently did not like this and is putting derogatory marks on my credit and doing hard pulls of my credit to put bad hits on my report. neither of the 3 credit reporting companys are doing anything. the account was closed and then paid off, why can they still report late payments pull my report and add derogatory remarks. its there fault for selling my debt a day too early and all this petty childish demeanor over a mere {$550.00}. I would like it to stop so i can carry on trying to fix my youthful credit and get that account taken off my report all together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
XXXX ( XXXX XXXX XXXX ) contacted me via telephone. When I called them back they reported that they have attempted to contact me via mail to an address that I haven't lived at for three years. I don't know if the debt is accurate because they have the wrong information.

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 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I was scammed from my bitcoin  account value approx {$14000.00} through Coinbase as all my money got transferred from my digital wallet without Coinbase taking the necessary precautions to safeguard their clientele 's account. There's no reason why they would allow this to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/2017 Balance - Status Collection 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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # XXXX, has violated my rights.

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 an account without my written instructions

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # XXXX, has violated my rights. 

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing this reported information on the XXXX XXXX XXXX account since XX/XX/XXXX and have disputed it multiple times. 

XXXX is reporting this as a repossession when it should be a mortgage, they are also listing a different date of last activity ( XX/XX/XXXX ) than Equifax. In addition, they are the only bureau reporting late payments where there are no late payments. Also, it is obvious that this was never verified as the last reported date is listed as XX/XX/XXXX. 

Equifax is also reporting this as a repossession when it should be reporting it as a mortgage. They are also reporting erroneous positive payments on the account. Their date of last activity is reporting as XX/XX/XXXX, meaning this was illegally re-aged. They also have the last reported date listed as XX/XX/XXXX. 

XXXX is not reporting anything on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to dispute US BKPT CT TX XXXX XXXX  XXXX Account number XXXX on my credit report several times as inaccurate ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ) as not mine but the credit bureaus have verified that it is accurate. I mailed a letter to XXXX XXXX records office ( XX/XX/XXXX ) pertaining to US BKPT CT TX XXXX Account number XXXX where this occurred and they replied on XX/XX/XXXX stating that they do not send information to the credit bureaus. This is where I am confused because after reading the law the FCRA if the original creditor or institution can not verify the information then the credit bureaus reporting it have to delete it. I sent this into the credit bureaus as well along with the paperwork from the county record office and it seems like they are not doing ANY sort of investigation which they are required to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/2017 Balance - Status Collection 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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/2017 Balance - Status Collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
on or around XXXXXXXX XXXX XXXXXXXX my car was broken into or some had accessed my XXXX XXXXXXXX XXXX XXXX that was parked near XXXX XXXX XXXX XXXX XXXX OH XXXX. I return to my vehicle around XXXXXXXX XXXX XXXXXXXX and found my things were ransacked and tossed around the inside of my car. My ID and SS Cards for myself and my children were stolen, so I would like to request a PIN number for my credit report and file. While I was going over my report I saw that there are some errors in my addresses and names that are incorrect. Please remove the following addresses they are not XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX GA,XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX  XXXX XXXX XXXX GA,XXXX Please delete remove the following names they are not correct : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

The following Items are inaccurate please delete : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation