vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 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: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX, and Equifax regarding their continuous failure to protect my privacy and their alleged failure to maintain reasonable procedures to ensure the highest level of accuracy, as required by the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to address concerns and rectify inaccuracies in my credit reports, I have encountered ongoing issues with these consumer reporting agencies. The repeated instances of privacy breaches and inaccurate reporting have had a severe impact on my financial well-being, causing undue stress and frustration. Furthermore, their alleged failure to validate their method of verification raises significant concerns about the integrity and reliability of the information they provide. I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action to address the failure of XXXX, XXXX, and Equifax to protect consumer privacy and maintain accurate credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Address is incorrect should only show and be XXXX address XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX. I have requested removal of all other addresses before and they would be removed only to come back on a short time later!

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 2023-07-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed XXXX XXXX XXXX on all 3 credit bureaus. XXXX and XXXX removed it from my report but Experian left it on

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 2023-07-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened a Citizens Access savings account to take advantage of the 4.5 % interest rate they were offering on their website. I initially had some trouble linking my external XXXX savings account and transferring funds from my XXXX account to the Citizens account. When I attempted to transfer {$5000.00} from my XXXX savings to the Citizens Access savings account, the funds did not show up in my account and their was no record of them under the Schduled Transfers tab. I was concerned so I attempted to contact Citizens through their customer support line. I waited on hold for over 30 mins and no one picked up. I decided at that point that I wasnt comfortable banking with an online bank that had unreliable customer service. I felt relieved that the funds had not transferred. 

However, the next day, I noticed that the {$5000.00} had been deducted from my XXXX XXXX. I called Citizens customer support line again and this time waited close to an hour until someone finally answered. She told me that the funds would take 5 business days to clear in the Citizens account. I decided I would wait the 5 days and then, once they had cleared, I would move the funds back to my XXXX XXXX, then close out the Citizens Access account and take my business to a more reliable bank. 

On XX/XX/XXXX, the funds finally cleared on the Citizens Access account and were available for transfer. I transferred the {$5000.00} back to my XXXX XXXX account and immediately got a text message from Citizens saying that the transfer was not being processed and that I should call the number provided. I called the number and waited on hold for someone to pick up. She said that my account was being reviewed. I asked her why and she said that she couldnt provide me with that information. I asked her how long the investigation would take and she said that she couldnt provide me with that information. I asked her how long Citizens could deny me access to my hard earned savings and she said that she couldnt provide me with that information. I asked to speak to her manager and asked her the same questions and got the same response each time. 

On XX/XX/XXXX, I called Citizens again to inquire about the progress that was being made on reviewing my account and she refused to give me any information other than that the account was still under review. Citizens has not asked me any questions to help with the investigation. No one from the bank has attempted to contact me to acquire any information that would assist in reviewing my savings account. No one has provided me with a reason my account is being reviewed or given me a timeline as to when Ill regain access to my own money. 

Is this legal? Can you please assist me in accessing my own money so I can part ways with this unethical bank? Thanks in advance for any assistance you can provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10 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: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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. 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 XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: Experian Information Solutions Inc.
State: NY

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 Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX 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 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 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 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kehoe Financial Group, LLC
State: DC

Complaint narrative:
I received a letter from XXXX XXXX XXXX attempting to collect XXXX debts on XX/XX/XXXX, each of XXXX. XXXX XXXX claimed I had received XXXX traffic violations in XXXX, XXXX in XX/XX/XXXX. I had not received the initial notices of these from XXXX, and upon request, XXXX provided copies of those violations on XX/XX/XXXX. I have XXXX issues of concern. 

XXXX ) I was deprived of the ability to contest the fines, as XXXX failed to provide them to me. 
XXXX ) I was assessed penalties on the fines, because I did not pay them promptly, though I had no notice of the fines. 
XXXX ) XXXX is attempting to collect XXXX per violation. Each fine, with penalties, is XXXX XXXX. As of writing, the conversation rate for Euro to Dollars would make each fine about {$250.00}. XXXX 's attempted over-collecting is egregious and without authority. 
XXXX ) XXXX failed to provide notice of the violations within 1 year of the issuance of the violation. According to the XXXX Department, they have exceeded their available time to provide me notice of the violation. 

I have tried to resolve this issue with XXXX but they have refused to discuss any of my concerns. I have tried to address this concern with the XXXX of XXXX, and that effort is ongoing. I have contacted the XXXX Department XXXX covering XXXX, and they have been helpful. I would like the CFPB to assist in resolving my immediate issue with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: AppFolio, Inc.
State: NY

Complaint narrative:
XXXX, the property management software that I assume lots of renters use, sent an email today announcing that XXXXk rent payments are no longer free and will cost {$2.00} a month. This means that there is no longer a way to pay rent without a fee attached. Feels pretty unfair!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: GA

Complaint narrative:
Transunion has allowed XXXX XXXX XXXX to report an account to my credit file without my written consent which violates the FCRA law 15 USC 1681B permissible purpose. I have not given written consent to Transunion to report this account from XXXX XXXX XXXX to my credit file. This is a violation.

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 2023-07-10 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: CL Holdings LLC
State: NY

Complaint narrative:
I disputed Jefferson Capital Systems on all 3 credit bureaus. XXXX and XXXX removed it from my report but XXXX left it on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I bank with truist and I made a transaction on my account on XX/XX/2023, the transactions never posted in my account.my account was overdrafts by XXXX. The bank is telling me that I didn't have the funds in my account and that it posted on my transaction, which it never did. On XX/XX/XXXX, I used the last that I had in my account which was XXXX, the bank is charging me for transaction for the XXXX and XXXX, when I know funds were in my account. They continously tell me that I didn't have the money and that I can see the transaction. I have called 3 times and all 2 times told them, i don't see any transactions for the XXXX but on XX/XX/XXXX, I talked to a supervisor and she told me that she can see the transactions on XX/XX/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 explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have attached an FTC report with a fraudulent account and fraudulent unauthorized inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with a fraudulent account and fraudulent unauthorized inquiries

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 2023-07-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), XXXX # XXXX ( XXXX ), shows as late payment for XX/XX/2023. This is incorrect. I called XXXX XXXX XXXX, and they informed me that they did not report a late payment nor was I ever charged a late payment fee. The credit agencies have not rectified this information and they have not provided me with the investigation results.

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 2023-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Phoenix Recovery Group
State: GA

Complaint narrative:
Phoenix Recovery group is trying to collect a debt I do not owe them I don't know what this is about but I need some answers immediately they are trying to garnish my wages from my check and I'm going to send documents because they have the wrong person thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
In a letter dated XX/XX/2023 was informed that my home was reffered for legal action. 

I wanted to just inform your office, that I am having slight issue reaching my designated relationship manager, which is problematic at this time.

Due to some inconsistencies, and conflicting infirmation, I have different information from different agents I've spoken with which may have led to this unfortunate decsion.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: PA

Complaint narrative:
On XX/XX/XXXX, I noticed on my Equifax credit report that there was a hard inquiry from XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. I never tried to open a credit card account with XXXX XXXXXXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I called The XXXX XXXX, with the help of an identity protection specialist, and spoke with XXXX in Security/Fraud. She said that there was nothing opened in my name or SS # and to dispute the hard inquiry online with Equifax. 

On XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ), I submitted disputes to Equifax regarding the hard inquiry on my credit report from XXXX ( The XXXX XXXX XXXX XXXX XX/XX/XXXX. I submitted that " I believe I am a victim of identity theft and that the inquiry is not mine ''. Both dispute results are " Inquiries are of factual record of file access and will remain on the Equifax Credit File two years from the reported date of the inquiry ''. This is a false statement and I want this hard inquiry removed from my credit report. 

On XX/XX/XXXX ( XXXX ), I submitted a dispute to Equifax regarding the hard inquiry on my credit report from XXXX ( XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX. I submitted that " I didn't give this company authorization to access my credit report for this reason ''. The dispute result was " Inquiries are of factual record of file access and will remain on the Equifax XXXX XXXX XXXX years from the reported date of the inquiry ''. This is a false statement and I want this hard inquiry removed from my credit report. 

On XX/XX/XXXX ( XXXX ), I submitted a dispute to Equifax regarding the hard inquiry on my credit report from XXXX ( XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX. I submitted that " This is not my inquiry ''. The dispute result was " Inquiries are of factual record of file access and will remain on the Equifax XXXX XXXX XXXX years from the reported date of the inquiry ''. This is a false statement and I want this hard inquiry removed from my credit report. 

On XX/XX/XXXX ( XXXX ), I submitted a dispute to Equifax regarding an incorrect address ( city ) on my credit report. I was not given access to the dispute results however my address ( city ) remains incorrect on my Equifax credit report. This is an incorrect address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Frost-Arnett Company
State: GA

Complaint narrative:
I paid the debt with the collector. I asked that my personal information be deleted, since I did not contract with them - the owner of the debt did. They have all my vital information-ssn, address, birthday, phone number. I talked to two individuals. Both said they were unable to delete my file, that their system did not have that option. I have no contract with them. I owe them nothing. I want my personal information deleted since there is no further business with them. There is no reason to maintain this file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-10 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. 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 XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX 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 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 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