vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 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 2024-03-19 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 2024-03-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently found inquiries on my credit report that aren't mine.

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 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: IA

Complaint narrative:
I have requested relief from missing payments due to long covid, the mortgage company offered me a payment plan that I can not afford for a second time. The amount that they have offered for a payment is over half that i make and I would not be able to afford other essential payments ( car, student loans, home expenses ). I can afford to make a payment that does repay the past amount, the issue is they will only allow for a 12 month term to make the repayment which I believe is unfair, and not giving me a real chance to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 

SANTANDER CONSUMER USA ACCORDING TO THE FCRA IT IS A VIOLATION. I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: NEW YORK COMMUNITY BANCORP INC
State: IN

Complaint narrative:
I have disputed this case over and over. The fraudulent check was an IRS tax refund check. I told Flagstar that I do not feel that this is my issue to repay. I didn't do it or even knew about the deposit until my account show {$990.00} in the negative.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
While looking over my credit reports, I see some accounts that have marked me as late on my payments. I would like to thank the consumer reporting agencies for playing a very important role and I know they have the ability to report consumer information as accurately as passible. In my case this information is not accurately reported. 

Can you do an investigation and show me with proof of statements where and when were these payments late. If this can not be proven with statements, please updated to on time as they should be because I was never late I have also attached a screenshot of the dates of showing my payments being 30 da

ys and 60days late. The 15 U.S Code 1681 states that consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the infor
mation concerning the individual about whom the report relates. In this case this violates my rights because inaccurate information is being reported by a consumer reporting agency. The accounts are listed below 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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:
While looking over my credit reports, I see some accounts that have marked me as late on my payments. I would like to thank the consumer reporting agencies for playing a very important role and I know they have the ability to report consumer information as accurately as passible. In my case this information is not accurately reported. 

Can you do an investigation and show me with proof of statements where and when were these payments late. If this can not be proven with statements, please updated to on time as they should be because I was never late I have also attached a screenshot of the dates of showing my payments being 30 days and 60days late.

The 15 U.S Code 1681 states that consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In this case this violates my rights because inaccurate information is being reported by a consumer reporting agency. The accounts are listed below 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

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 2024-03-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was issued Delta choice rewards in exchange for bumping XXXX flights on flight XXXX on XX/XX/23. The credit was {$12000.00} ( {$3000.00} per ticket x 4 tickets ), issued to one email address since it was one reservation. I redeemed the rewards for Amex rewards gift cards ( 24 cards at {$500.00} each ) on XX/XX/23. 

I attempted to use the Amex cards multiple times and each time it fails. In fact, I have been unable to successfully charge even a single thing. I have tried at different vendors on different cards at different times- each time at a vendor that accepts Amex, where the charge is under the limit of the card value, and is correctly input. Each time, it fails. 

I contacted Amex at least 10 times by phone and also at least 20 - 30 times by email ( documentation included in this case ). Overall, I have been spun in circles : Amex would either be unresponsive or give non-answers stating that the cards worked or would share the instructions on how to use the card which I followed every time. At XXXX point, they asked for proof by sending screenshots of failed transactions, which I did. 

This has gone on since XXXX- all of which while there is a six month expiration that is getting closer-and-closer to expiring daily ( expires in XXXX ) and no ability to use the cards along the way. So {$12000.00} in cards and XXXX ability to spend it. 

In the attached documentation, Amex even shared the records on one of the cards that showed multiple attempts made and zero charged since it failed every time. At one point, I demanded to void the cards and reissue- they agreed, but then responses were as if that was never offered and emails reverted back to the same non-answers, instructions, and spinning in circles. The cards are impossible to use, literally, and Amex has given no solution in three months - while there is an expiration in XXXX and I will lose the money for no fault of my own. 

I feel scammed and would like a check for the {$12000.00} that I currently have in Amex gift cards and have been entirely unable to use - that Amex has received proof of and have also confirmed does not work ( in the attached documentation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had filed a claim with Bank of America in XXXX oXXXX XXXX  In the claim I had provided them with a police report and a statement letter to support my claim. While I was out of country, someone broke in to my home and stole the valueable things which also included my identity info, such as my SSN and my bank cards. I tried to work with them to get my money back but they don't seem to care. This is my only source of income so not having access to it is very challenging. 

Someone stole {$7100.00} from my account and I've been contacting bank of America hoping my claim would be resolved but no they keep denying my claim. I disagree with The letter they sent me in regards to why they denied my claim. They included a footage of me withdrawing money from the atm which does not support my claim. The transactions I claimed did not include any ATM withdrawal from the bank of America ATM so I don't know how they came to the decision of denying my claim without doing a proper investigation. I need my money. I'm a victim of identity theft. This is my last attempt to trying to get my money back from the company, I will be taking legal action regarding this matter if not resolved.

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 2024-03-19 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: 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX and 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 2024-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MO

Complaint narrative:
I have called and/or emailed MOHELA multiple Times and after unacceptable wait times and half answered or completely unanswered questions about my loans I am desperate. They place my loans in forbearance without my consent and have not provided a monthly payment amount, and they have stopped counting my months in repayment period towards PSLF since XX/XX/24 and have not answered why, they have been avoiding/ignoring my questions or attempts to contact them and deflecting me to automated systems that do not help with my questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: GA

Complaint narrative:
Transunion, XXXX, and XXXX is reporting a late payment and shouldnt be according to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-03-19 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:
See the attached documents.

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 2024-03-19 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In early XXXX I requested that this company provide verification from the court and removal of XXXX accounts from my report. The company has inaccurate information on my report still not provided any information from this request. According to them they are still investigating.

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 2024-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: PA

Complaint narrative:
by the day XXXX XX/XX/2024 I send some dispute letters to transunion, regardingsome account in my report with wrong and inaccurate information. after almost XXXX the agency don't respond to me or do any update in my credit report.. I demand to remove by the law all the inaccuraciesin my credit report asap because that affecting me I my financial aspect.. 

here some documents and the letters for support my complaint.. 

I am writing to express my deep concern regarding your company 's failure to conduct a proper investigation into inaccurate collection items on my credit report. 
Creditor : XXXX XXXX Account : XXXX Creditor : XXXXXXXX XXXX  Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX It has come to my attention that despite repeated attempts to resolve this matter, your company has neglected to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit bureaus are required to conduct a reasonable investigation into collection items brought to their attention by consumers. However, your company has failed to do, thereby violating the law. 
I wish to inform you that I will be consulting with a Fair Credit Reporting Act ( FCRA ) attorney to explore further legal action regarding this matter. It is clear that your company 's actions, or lack thereof, are unacceptable and warrant escalation. 
This letter serves as my final request for your company to comply with the law and conduct a thorough investigation into the collection account referenced above. Failure to do so will result in me instructing my FCRA attorney to proceed with legal action, including the filing of complaints against your company. 
Please be advised that this will be the last correspondence from me on this matter. I expect prompt action and resolution from your end.

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 2024-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

Company response to consumer: Closed with non-monetary relief