vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my consumer report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted off company information XXXX XXXX XXXX. Please delete the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CT

Complaint narrative:
Description - I initiated the XXXX $ withdrawal from the XXXX account to the XXXX XXXX Key Bank Savings account on XXXX XXXX. 
XXXX $ was deposited into XXXX XXXX Key Bank Savings account on XXXX XXXX. 
But It shows in a statement that XXXX did a transaction reversal of XXXX $ on XXXX XXXX from XXXX XXXX Key Bank XXXX Account. 
XXXX accounts don't have XXXX XXXX 
Please follow the sequence of events below. 
XXXX. XXXX XXXX - XXXX - XXXX - XXXX XXXX 
XXXX. XXXX XXXX - XXXX - XXXX XXXX - XXXX XXXX 
XXXX. XXXX XXXX - XXXX Deduct - Reversal from XXXX XXXX by XXXX - XXXX XXXX 
XXXX. XXXX XXXX provided ACH reversal transaction details. 
XXXX. Provided information to XXXX over support. 
XXXX. No XXXX $ in XXXX as of XX/XX/XXXX XXXX 's response - " As per the initial investigation of our finance team, you would need to speak to your bank because instead of sending the funds, the bank just sent us the " insufficient funds '' message. So we would not have given the funds at any point. XXXX does not have your money. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: SC

Complaint narrative:
Waiting on paperwork to be scanned and processed regarding joint consolidation loan separation act. The process was created per the Dept of ED. The paperwork was filled out mailed to the proper address but they are not processing the paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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:
After reviewing my credit report, I noticed an inaccurate late payment on my 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 explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for a debt consolidation loan with XXXX XXXX XXXX XXXX which included Synchrony Care Credit card in the amount of {$1600.00}, payment posted on XX/XX/2024 and Synchrony Sam 's Club Plus Member Master Card in the amount of {$2200.00}. The Synchrony Sam 's Club Mastercard payment was never received after every unsuccessful follow up call I made to Sam 's Club Mastercard Services. This went on for over a month. XXXX at XXXX XXXX XXXX XXXX advised me, XXXX XXXX will place a stop payment on the check if it is not cashed after thirty days. I followed up with XXXX and she advised me, XXXX XXXX will go ahead a place a stop payment since she does not see where the check has been cashed. On XX/XX/2024 I spoke with XXXX with Synchrony Sam 's Club Mastercard. XXXX advised me, " Sam 's Club card is closed, {$1500.00} credit balance still under review, payment returned {$2200.00} XX/XX/XXXX due to non-sufficient fund, checks received XX/XX/XXXX and XX/XX/XXXX, call back after XX/XX/2024. '' I spoke with XXXX XXXX who claim to have checked another source for card reopen requirements. Supervisor XXXX stated, I must send a letter to Synchrony Sam 's Club Mastercard from XXXX XXXX XXXX XXXX advising, they placed a stop payment on the check due to the check not being cashed for longer than thirty days and my card will be reopened. XXXX XXXX submitted the letter to me and I forwarded it to Synchrony as I was advised to per XXXX XXXX. Synchrony is now asking that I re-qualify for the card, " Federal law requires us to determine your ability to make the minimum payment on your account ... '' On XX/XX/2024, Supervisor XXXX advised me XXXX did not provide me will all the facts to re-open the card and, " Update annual income, '' is required at this time, referencing the letter sent to me, dated XX/XX/2024 from Synchrony. Per my request, XXXX advised me, he will have XXXX contact me at XXXX. I advised XXXX, I will be filing this complaint, 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 2024-10-24 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: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: OH

Complaint narrative:
Transunion is stalling, saying they will not investigate my dispute .. that is against the FCRA laws.

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 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Several accounts appear on my credit report without my consent and are incorrect. Please remove these fraudulent accounts as soon as possible.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LEXISNEXIS
State: GA

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address. Please don't send any message of mail asking for proofofmyidentity because they are all attached here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I've opened a Citibank checking account in the past 2 weeks after already having a 3 year relationship with them for ( 3 years ). The checking account came with a bonus of {$450.00} if {$6000.00} is deposited via EFT in the first 60 days. 

In order to meet the criteria, I have made transfers from 3 of my external accounts - after verifying them- mainly because XXXX transfer is capped at XXXX XXXX 

When I tried to schedule a transfer OUT to withdraw my money back to my main Checking account at a later day, Citi logged me out and apparently closed my account. 

The banker in the branch advised that they would send me a letter explaining the reason, as well as a check with my account balance in 30 to 60 days. That is up to twXXXX months that my money could've been earning interest on T-bills or other bank 's CDs. 

Citi refused to provide a phone number to the back office that has made the decision.

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 2024-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I received a letter from my initial mortgage company, XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> that my mortgage was sold on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX serviced by Select Portfolio Servicing Inc ( SPS ). It has been 30 days from the date of the letter and more than 30 days from the sale date and I have yet to receive any information in regards to my mortgage as legally required. Additionally, I have tried multiple times contacting both SPS and XXXX XXXX XXXX and they continue to state they do not have the loan on their portfolio as stated in the letter from XXXX XXXX XXXX. I have tried contacting XXXX XXXX XXXX and they claim the loan was sold and have not returned my most recent call. XXXX XXXX XXXXXXXX XXXX communication states I can not send my next payment to them and it is to be sent to SPS, but SPS states they do not hold the mortgage. Neither financial institution is helping resolve the issue so payment can be made to the proper lien holder and keep my loan in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX This account is listed twice on my XXXX credit report with two different balances but same account that is false and fraudulent.

I'm requesting debt validation, assignment contact, purchase agreement and method of verification who was interviewed regarding this account. 
I'm disputing factual data it's impossible and fraudulent to have the same account number with different balances. Provide me all the information above by email or mail within 5 days or remove these accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-24 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: TX

Complaint narrative:
I've found errors on my credit report tied to 15 USC 1681c-2, specifically unauthorized inquiries that are damaging my score. Kindly remove all unauthorized hard inquiries. 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 2024-10-24 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Payment history/late payments is inaccurate and contradict my records and that of the other bureaus. report also contradicts Transunion own reporting from my credit report pull and what they actually carry on their website. 
I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state attorney general. 
Remove this incorrect information at once and send me an updated copy of my credit history report. 

account number XXXX account name XXXX XXXX  account number XXXX account name XXXX XXXX reporting on XXXX XXXXXXXX XXXX from data pulled from Transunion shows that I have 3 missed payment on my auto loan with XXXX XXXX and 5 missed payments with XXXX XXXX  account number XXXX. This information is in accurate, I requested my annual credit report and it has different information reported on it which is in line with my records as well. I have XXXX missed payments with XXXX XXXX and 1 missed payment with XXXX. 
I will attach screenshots of my XXXX XXXX report as well as of my annual credit pull report so you see your inconsistency I will will forward this to XXXX XXXX as well for investigation and correction and if this is not adjusted or reported correctly i will be forced to take legal action against 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 2024-10-24 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: DC

Complaint narrative:
Ive discovered hard inquiries on my report that were not authorized under 15 USC 16c-2, and I request their removal.

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