vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2024-07-10 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: IN

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XX/XX/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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-07-09 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: CA

Complaint narrative:
Not my inquiries Remove immediately 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 explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Im disputing owing any and all debts I am also revoking all rights of them communicating with me through email text and calls. Im requesting debt validation I am also requesting the purchase agreement between the debt collector and the original creditor Im also requesting they furnish proof that they are licensed and bonded. The collection agency has not provided validation information but yet placed a collection on my consumer report. I have not been given a chance to dispute the account. The collection agency is violating my consumer rights by using false misleading misrepresentation and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosure required by law and they are in clear violation of 12CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
I was charged interest XXXX $ in my XXXX, 2024 statement due to not making payment of the XXXX bill, but this late payment was because I never received any statement notification in my email since I received the card and started to used it in XXXX, although I'd subscribed to electronic statement from the very beginning. 

I got to know I didn't pay the XXXX bill only after I received physical mails of the XXXX statement and a Late Notice. I payed off all the statement amount once I got the mails. 

I reached out to FirstTech for the email notification issue and turned out there was some issue in FirstTech system because later after reporting the issue I was able to receive the email notification for my XXXX statement. I requested FirstTech to refund my interest charge because the late payment was all because I didn't receive any email notification for my XXXX bill. FirstTech refused this and insisted I can always check the statements online. How am I supposed to check the online system regularly to find out whether there is a new statement generated and how much I owe? That would totally defeat the purpose of the notification setting.

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 2024-07-09 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:
In XX/XX/year>, I applied for a modification to my mortgage with Flagstar Bank. My business had experienced a fire and insurance was taking longer than expected to pay on the loss of use claim on my policy. 

When my single point of contact reached out to discuss my request and to tell me that I was approved for a partial claim, I was promised that my credit report would be updated to reflect no missed payments. After all, I had done my part before I was late and Flagstar was taking 60 days to process the claims. At that time I was also advised NOT to make any payments to my mortgage, even if I had the means to, as it would negatively impact my ability to get a loan modification and I would have to start the process all over. 

I took the advice of my single point of contact thinking this was the protocol for the loan modification, per Flagstat policies, and trusted that my credit report would be noted as such. It was not. When I was later told that I was approved for the trial period and that I needed to make three payments in order to be granted a modification, I was informed that the advisor was wrong. That if I couldve made the payments, I should have and that flagstar would not update my credit report once the trial and subsequent modification were completed. I was ill-advised by my single point of contact. 

As a result, my scores have dropped over XXXX points and with a 60 day late on my mortgage, I am unable to obtain any financing and also unable to get a job in my field as a mortgage underwriter. 

I made a formal request to Flagstar via fax, which they confirmed theyd received, to review the phone calls and please update the reporting as I was taking the advice of my single point of contact who made it seem as though making a payment wasnt an option, at all. Flagstar denied my request. I then requested copies of the recordings from the phone calls. It has been 10 days and my request has not been acknowledged

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 2024-07-10 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:
PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my 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 non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: KS

Complaint narrative:
I applied for and was given preapproval on XX/XX/XXXX pending submission of required documents. I submitted as requested documents but received no response from the company. I called the companies local branch of XX/XX/XXXX and was told they were short staffed but I would be contacted on XX/XX/XXXX by my assigned loan officer. After waiting all morning for a call I contacted and was connected to my loan officer. I was asked to submit another series of documents, which I did, and was told I would receive a return call. After not receiving a response I called back and was told they just needed to review my documents and then we could close on the loan. I waited until XXXX cst-15 minutes before the office closed for the day before receiving a call back. Upon calling back more financial documents were requested including, 90 days of pay stubs, my XXXX XXXX  and was told after these documents were received we could close the loan by the following afternoon which wouldve been XX/XX/XXXX On the morning of XX/XX/XXXX I received another documents request for my full XXXX taxes. This was incredibly frustrating because Id asked on XXXX/XXXX whether my taxes were being requested and was told they were not requesting my taxes. I believe I was discriminated against by One Main financial. I submitted more than a year of financial disclosures and all other requested documents. All of the documents I submitted were valid and more than demonstrated that I could meet the criteria for the loan amount I was requesting in including a credit check. One main financial participated in a bait and switch. They ran a hard check on my credit, failed to reply in a timely manner on several occasions, changed the requirements for financial disclosure several times with no valid explanation of why. Finally after submitting more than two dozen documents and One main requesting even more information I reached my breaking point. I have attached email screenshots of all of the documents requested and received by one main financial and the additional documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: MI

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, MI, XXXX Employer - XXXX XXXX  Employer - XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: FL

Complaint narrative:
There are many inquires on my report that was not authorized by me. There is also accounts that werent open by me. There is also an account on there that has been paid for and is reporting negative. This situation has been prolonged for way to long and Im asking very nicely if my report can be cleaned and the fraudulent information be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: MI

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 2024-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are all in violation of FCRA 623 ( A ) ( 3 ) Duty to provide notice of dispute.

These accounts can no longer report as they are in violation of federal law. Transunion has continued to violate federal law by reporting these account after being notified of the violations. These accounts were disputed on XX/XX/XXXX which I will provide proof of. 

15 USC 1681s2 Duty of furnishers of information to provide accurate information. 
15 USC 1681E ( b ) accuracy of report. 

XXXX XXXX/ XXXX XXXX ACCT NUMBER agreed to remove the account but it has yet to come off my credit report. I have sent in countless disputes showing the proof of the creditor agreeing to delete the account. Attached document of deletion request will be provided. 

XXXX XXXX  second violation date last active being different on every bureau. XX/XX/XXXX on transunion XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. 

XXXX XXXX  third violation is the payment history not being reported whatsoever. Theres no payment history at all. 

XXXX XXXX second violation is the date last active XX/XX/XXXX on transunion XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. They must report the same on all three bureaus. 

XXXX XXXX Third violation is the payment history not being reported whatsoever. Theres no payment history at all. 

XXXX  XXXX second violation is the date last active is reporting differently than the other two bureaus. XX/XX/XXXX on transunion XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. 

XXXX  XXXX third violation is the payment history not being reported whatsoever. Theres no payment history at all. 

XXXX second violation is the date last active. XX/XX/XXXX on transunion XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. 

XXXX third violation is from the payment history not being reported whatsoever. Theres no payment history at all. 

XXXX XXXX XXXX second violation comes from the date last active which reports differently on all three bureaus. XX/XX/XXXX on transunion XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. 

XXXX XXXX  third violation is the payment history not being reported whatsoever. Theres no payment history at all.

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 2024-07-09 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: MI

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, MI, XXXX Employer - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

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 2024-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I put my money in Citi Bank in XXXX California ( Money Market Promo for XXXX  Months ) XXXX with an interest of XXXX XXXX starting in XXXX for XXXX months and I have only received interest for XXXX XXXX of {$37.00} XX/XX/year> XXXX which should have been for XX/XX/year> XXXX XXXX XXXX = {$1900.00} XXXX XXXX also at least = {$1900.00} I am being riped off of {$3800.00} of interest a far difference for my XXXX XXXX account. I have all the paperwork and I have been that I signed with XXXX XXXX XXXX XXXX Personal Banker XXXX  # XXXX XXXX  ID XXXX Citibank. XXXX. 
XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX and her bank asst manager XXXX XXXX Branch Manager XXXX said it was a glitch on their end that they did not enter the XXXX XXXX but will correct and the last XXXX month of interest and the XXXX XXXX when it is due. And both said it was not an error on my part at all. 
I've talked on the Phone with XXXX XX/XX/XXXX, XXXX, XXXX and she assured me I would get my Interest that it was being taken care of. 

But today her boss called after I left her a message Her name is XXXX and said that the glitch was on their end and that they could start my account all over as of Next XXXX  and start paying the XXXX XXXX but not sure they would pay the last XXXX months. So they sat with my XXXX for the last XXXX month after signing documents that I would be given XXXX XXXX each month for XXXX  months and now they want to cheat me out of my interest for holding my money. That fraud. Thats a lie. 

I spoke with her on the phone today and she was very sarcastic and told me she could see what she could do but most likely I will not get my interest for the last XXXX  months. 
XXXX XXXX XXXX XXXX XXXX XXXX Can you please help me? Please Advise

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 2024-07-09 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief