vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2024-08-31 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: CA

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
SEE ATTACHED.You guys emailed me a bunch of nothing. You showed my loans, the amount, and if they are open or closed. XXXX to do with my TRANSACTIONS and you Experian you useless government agent aren't even noticing they aren't FOLLOWING the law. # XXXX as stated in my certified mail and other complaints XXXX XXXX  wasn't even suppose to be open due to an error on XXXX hints why XXXX  sent me a refund check for what I did pay. # XXXX I set up a deferment until it was fixed with XXXX and before that paid within 30 days AS SEEN ON THE APP and just XXXX  months into a XXXX month term loan it was balance out at XXXX $ as it should had been with XXXX 30 days late as I showed via my bank statements amd the DEFERMENT plan with XXXX. But nobody is XXXX  putting all that info to use. A 2 mintue glance at my loan could solve this mystery '' it is clearly a system error so be a human and fix the BOT!! AND STOP RUNING MY CREDIT. You showed me XXXX # XXXX TRANSACTION history is all I beena sking for for months card, time, amount, date and highlight the missing or 30 days late payment and you can't because it's false!! Even over the phone you said it but I can't get emailed by reps amd when I chatted in via the app they said " someone will get back to you '' stop outsourcing and get people that can help and understand. You are stopping me from getting a home and 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 2024-08-31 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: TX

Complaint narrative:
TransUnion is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX the information on these accounts are wrong..All 3 credit bureaus is not verify everything on these accounts., I have the right to have accurate information on my credit report..I will provide you proof they are not verifying these 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 2024-08-31 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: AL

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 XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX 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 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 2024-08-31 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: AL

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 XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX 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 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 2024-08-31 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: GA

Complaint narrative:
To Whom It XXXX Concern, I recently challenged the validity of XXXX XXXX account and it is still being reported on my most recent credit report. Upon challenging this, XXXX has deleted the account basked on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with your company, you have " verified '' the same account. It is it my understanding that the credit reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 

Best Regards, 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 2024-08-31 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that I was in the fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late in payment I have attached a copy of my report to this complaint on the following date - XX/XX/XXXX. 
Im now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: LA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: DC

Complaint narrative:
My monthly home mortgage rate has been ~ {$6200.00} since we purchased our home in XX/XX/year>. Last year, our bike was stolen from the front of our house and we had a minor theft reported while travelling. Both were reported to home insurance. Because of that, my home insurance ( XXXX XXXX XXXX ) declined to renew our coverage last XXXX. My mortgage servicer, US Bank, claims they tried to inform me of this change via mail. When told that I never received any notification, and upon being asked to show proof they tried to communicate with me via email or phone ( my preferred method of communication and the way they communicate with me for all other reasons ), neither they nor XXXX were able to show me any proof.

As a result of my home insurance being cancelled, US Bank then elected to sign me up for their own home
insurance plan, which was roughly 4.5x the cost of my previous plan ( {$800.00} per month, instead of {$160.00} per month ) per. BUT, they did not actually start charging me this on a monthly basis until XXXX, when my escrow was fully depleted and they conducted a new escrow analysis. XXXX Bank did not provide explanation for why they waited this long to conduct a new escrow analysis, which does not make sense since they knew my escrow would quickly be exhausted by the new plan. 

In XXXX, my monthly mortgage payment suddenly jumped from ~ {$6200.00} to ~ {$7800.00}. As soon as I discovered why, I changed my insurance that day to another XXXX plan for {$220.00} a month, nearly {$600.00} cheaper than the plan US Bank forced me to sign up for. And because I didn't find out about it until XXXX, I accrued nearly XXXX XXXX in extra expenses, that US Bank is now charging me for to catch up to my old account.

US Bank acknowledges I never consented to the higher rate, and would not provide any proof it tried to contact me via email, despite acknowledging that is how I elected to receive notification. US Bank also refused to provide any reimbursement, despite no claims being filed
on my home during this period. XXXX also did not provide me any explanation as to why they did not communicate with me via email, despite using email for all other communication up to that point ( including sharing my policy with me when I first signed up ).

I find this practice highly misleading and unfair - I never knew about my insurance cancellation, no one tried to contact me via email or phone, and they signed me up for a much more expensive plan without my consent th
at cost me nearly 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 2024-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
I had a closed complaint on trs. The agreement was to send me back XXXX XXXX but instead i got 3 emails about a new XXXX debt that is no where, canceled or otherwise, on my account and certainly not from me. All 3 emails came back to back on XX/XX/XXXX at XXXX. They never mention the order, amount, or any other information. That has been one of my concerns with them because they hit my bank over and over for the same transaction, they dont say what the purchase was and they say XXXX can help me with it but all 6 times this has happened, amazon has no record of any non payment ( even the 2 times it actually was NSF ), trs u cant get ahold of. They will ask for a ref number or the XXXX order .... They dont give us one. I call and say " i got an email '' as legit all the info i have ... .. Trs nor XXXX can do anything with that so trs is basically sending emails ( valid or not ) to dip in XXXX XXXX accounts for whatever they want .... Even double taking fees. Im filling at this point because my bank already told me, even their fees list under XXXX and my bank wont refund overdrafts or put in claims for companies that i have my payment on file with.. even if i remove my payment info, i tried, they already have it so its hopeless. Instead of getting the money they claim to owe, the will make up 3 more false cases! Thats crazy. U need to be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: GA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-08-31 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: GA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 2024-08-31 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Burau ( CFFB ) the document neded and a letter from an advocacy grou helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Dbt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within-four business day pursuant to section 605C of the Fair Credit Reporting Act. I am a vctim of XXXX XXXX of Debt Bondage and would like fg all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX {$52.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX. {$0.00} XXXX XXXX XXXX XXXX. {$320.00} XXXX XXXX XXXX XXXXXXXX. {$1100.00}

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 2024-08-31 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: GA

Complaint narrative:
To Whom It May Concern, I recently challenged the validity of XXXX XXXX account and it is still being reported on my most recent credit report. Upon challenging this, XXXX has deleted the account basked on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with your company, you have " verified '' the same account. It is it my understanding that the credit reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 

Best Regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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:
I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME- FIRST PREMIER BANK ACCOUNT # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
I have a Huntington Bank Checking account which I enjoy, but there's an issue with their online checking ledger. One reason I like this account is because of its Standby Cash feature, which allows me to access funds between paychecks. However, I recently used Standby Cash and promptly repaid it on payday, Friday, XX/XX/XXXX. Today, Saturday, XX/XX/year>, I spoke to a customer service agent who informed me that I wouldn't be eligible to use it again for three months due to overdrafts. 

There was a purchase made for {$6.00} parking at XXXX XXXX on XX/XX/XXXX, and the other was a {$3.00} XXXX transaction on XX/XX/XXXX. ( Note : You can not use XXXX if there your account is at {$0.00} ) This caused my account to be overdrawn by {$8.00} from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, a {$16.00} refund was credited to my account. On XX/XX/XXXX, I received a {$40.00} XXXX payment, and on XX/XX/XXXX, two direct deposits totaling {$1200.00} were credited to my account. 

I could understand that if I had overdraft my account in two consecutive billing statements but to ban me from the Standby Cash feature because of two incorrect bank ledgers is an outrageous and unfair banking policy.

Company response to consumer: Closed with explanation