vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX I have Mr cooper mortgage company. I have 5 year ARM since XXXX tmy mortgage never went down. My loan # XXXX. The company phone number XXXX whenever I call them for an issue they transfer me to refinance people that will cost me XXXX closing cost. They just informed me by email that your new statement 2 days ago and I have been surprised that they increase my mortgage rate for the next period which start from XX/XX/XXXX. I know from the news that the Fed reserve reduced the rate 3 times last year and I was expecting that my mortgage to go down. Instead they increased as usual. I am wandering if there any rules this company should follow or you can protect us from their greediness please help me. I just thought that I have to do something different and do a complaint. I hope you will take it seriously thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" 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 TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MO

Complaint narrative:
I already disputed the debt with XXXX back in XXXX I am assuming same debt was sold to this company and they re-added the debt to my credit. Ive never lived at address provided by debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
This is a CitiBank account that is closed. 

I sent a check to pay this account off on XX/XX/2024. They requested I give them up to XXXX business days for the check to clear. As of XX/XX/XXXX the check had not cleared. I called multiple times during that period to escalate and request they investigate this payment, and each time was told they haven't received it. We cancelled that check, and sent another one. We were hit with another interest charge. 

This check cleared, and we have a credit balance of {$180.00}, which Citi is refusing to refund at this time. 

Citibank requested I call them back in 15 days, and will not send a refund until I do so. Furthermore, Citibank will collect interest on an account with a CREDIT balance. 

I did not know that customer service could be this bad.

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 2024-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Direct deposit sent to my acct on XXXX and they are not crediting my acct to the 2 day advance advertised promises. They hold it and dont deposit it until late evenings or days later. When it is supposed to be in my acct by midnight XXXX per every XXXX weeks. XXXX always replies with auto replies copy paste replies that are not specific or resolving. They then suggest waiting longer for It. No I will not wait longer times for it. Suppose to be in my acct as they advertised 2 day advance and by midnight every other XXXX. It is also confirmed that the funds were sent long before and XXXX chooses not to deposit into my acct. Tired of asking XXXX to fix this and they dismiss this. They cause so my inconvenience and time consuming frustrations and messing with automatic payments replying on this direct deposit deposit that does not happen on the day time It should

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 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I opened a checking account with M & T Bank via XXXX banking on XX/XX/year>, and a deposit was made on my behalf on XX/XX/year> in excess of {$8200.00} via cash and multiple checks made payable to me. Within a day or XXXX following deposit, M & T called to tell me that I needed to supply a New Jersey state-issued photo ID. I do not have the latter, have no driver 's license, have no car, do XXXX XXXX, am XXXX and housebound. I informed M & T of all this. They told me the account was closed and that I would receive a refund of my XX/XX/year>, deposit via mailed check. 

After waiting XXXX and one-half weeks, I phoned M & T to ask about the refund check. I was told that no check had been mailed and that the account was frozen. I was told that in order to regain my funds I need to present a XXXX XXXX ID in person at a branch. I once again explained my XXXX to them and was told " that's our policy. '' I vigorously remonstrated with this and asked what else I could do to reconcile the problem, but they hung up on me.

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 2024-11-20 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-20 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXX*********** Account Name : XXXX FCU # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX FCU # XXXX Account XXXX : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2024-11-20 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: CA

Complaint narrative:
I do not recognize the addresses. Please remove it from my credit report. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX CT XXXX, Ca XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX XXXX, Ca 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 2024-11-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX XXXX BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2023

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 2024-11-20 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: DE

Complaint narrative:
Experian, the Consumer Reporting AgencyXXXX has taken over the federally mandated 30 days to investigate inaccurate information. I have sent notice and demand to remove this inaccurate account, including all relevant documentation. Delete XXXX XXXX XXXX XXXX from the consumer credit file immediately. There are multiple violations related to this account, including breach of contract, unfair collection practice, extortion, aggravated identity theft, dishonor in commerce, defamation of character, deprivation of rights, restraint of trade. 

I have offered to repay the money, in the same specie as accepted to create the debt, if a man or woman representing XXXX XXXX XXXX XXXX signs an affidavit under penalty of perjury certifying that XXXX XXXX XXXX XXXX lent their money to purchase the loan agreement from me, the borrower, or if the original unaltered agreement/contract/promissory note is returned to me when I pay. 

XXXX XXXX XXXX, Principal XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Delaware, XXXX XXXX Principal mailing address XXXX, Date of Birth All other related documentation has been received by Experian, the consumer reporting agency, allowing the company and/or its representatives to correctly identify the consumer. This notice is relative to all XXXX XXXX XXXX XXXX accounts listed on the credit file. 

I simply want full disclosure of the details of the original agreement ( No Copies permitted ) and book entries and assurance, for the protection and benefit of the principal, that the note XXXX XXXX XXXX XXXX received was NOT stolen, swindled, nor counterfeited, prohibiting the principal from fair trade, and violating/breaching the terms of the contract. If the intent is that the one who funded the loan should be repaid, details should include proof that this was not just a conversion of funds/money, nor an exchange, but an actual loan of a sum of XXXX XXXX XXXX XXXX money XXXX What i believe happened was XXXX XXXX XXXX XXXX received my note, acted as a money exchanger, and charged me 100 % + for servicing the account. In this case XXXX XXXX XXXX XXXX would not have funded the loan, but rather converted one specie or money into another, ultimately hiding details of the alleged loan, lacking full disclosure. Then, instead of offsetting the payable account with the receivable deposit, XXXX XXXX XXXX XXXX, continues to request payment for the principal to balance the principal payable account. Response from XXXX XXXX XXXX XXXX should include the principal receivable book entry for the security/notes/credit ( s ) deposited.

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 2024-11-20 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: TX

Complaint narrative:
" 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. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-20 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:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and anxiety.

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 2024-11-20 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: MD

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
The hospital ran redundant tests without cause as part of ER instances. The first instance was taken care by insurance and myself but the duplicate request for tests ( within XXXX days ) was an error and acknowledged by the hospital in-person. The subsequent visit to the ER supposed to be voided as they did not attempt to find any new intel and erroneously ran the same set of tests without prior analysis or consent. Reason for running redundant tests without consent was not provided upon multiple clarification attempts. Nurse on duty apologized for the Dr. not looking at recent results. 

To be absolutely clear, there was no relief or services rendered on this instance that could have root-caused the problems since the same tests were ran while previous results indicated differently. 

Despite all the issues and miscommunications on the hospital 's side, they still charged me, in full, and to top it all they sent it to collections that has had an adverse effect on my credit score and finances. 

Additionally, this looks like a bigger problem and has a recurring theme with multiple consumers with a very bad rating. 

Example : XXXX XXXX XXXXXXXX which says : -- -- -- - " The emergency room doctors here like DOCTOR XXXX XXXX that outsource their billing to a third-party company called XXXX, and they will relentlessly pursue you for payment, even if you're already in the process of getting the bill settled with your insurance. Ive been on hold for over XXXX minutesagain! This has happened multiple times, adding up to hours of waiting. 

Youd think that if they were so eager for payment, theyd choose a third-party service that actually answers their phones. Ive left numerous messages that have gone unanswered and sent emails after tracking down their addresses, yet still no response. This situation is utterly ridiculous, especially for someone like me, a decorated war veteran. '' -- -- ---

Company response to consumer: Closed with explanation