vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
In 2023, US bank cloesd my bank for no reason, then I was told I owed US bank {$110.00} for no reason, this is absurd. And after XXXX year, US bank hired XXXX XXXX to collect my debt, I just don't know what is going on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request a detailed description of the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I want the following inquiries removed from my file. These are not mine and I did not authorize or recognize. It appears that someone may have used my personal information without my consent to make these inquiries. 

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 2024-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: KEYCORP
State: WA

Complaint narrative:
Due to being displaced from our previous home due to owner selling, we were temporarily living with my wife 's mother. I needed to get my family into our new home. We have been speaking with our KeyBank mortgage loan officer since XXXX of XXXX  and believe everything was set to go for the XXXX closing date. We continued to get confirmation that we were set to close without paying off prior debt. We got a notification on XXXX, that we had to pay off over {$16000.00} in debt that has been the same debt from which was on the XXXX to XXXX credit reports they pulled. These debts were paid in full, and proof was provided. The lack of verification and Our closing date was still delayed. This led to our closing date and cost issues. 
The first disclosure estimate ( received XXXX ) showed our closing cost is {$1800.00} with a closing date of XXXX. The morning of the closing ( XXXX ) we received another disclosure with a different amount needed to close. The amount changed to {$2700.00} with still the XXXX date. By the end of the day, we had to call the closing company to get an update. They stated that KeyBank did not send over the remaining documents, so we had to postpone the closing. It took another XXXX days ( XXXX ) to close. This was the same day that we received the third and final closing estimate {$3400.00}. This was a 90 % increase from the first disclosure. Looking at all three disclosures something was missing. The promotional interest rate discount of .25 %. None of the documentation notes that the discount rate has been applied to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: CA

Complaint narrative:
Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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 want the following inquiries removed from my file. These are not mine and I did not authorize or recognize. It appears that someone may have used my personal information without my consent to make these inquiries. 

XXXX XXXX  XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, 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 XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX ( XX/XX/2023 XXXX XX/XX/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 2024-03-20 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2024-03-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: LA

Complaint narrative:
I took a loan through Mariner Finance while stationed in SC. I was needing funds for a lawyer and child custody case. Upon receiving orders to Louisiana I was informed of SCRA protections to lower interest rate to 6 %. Upon leaning this I intuited communication with the branch and they stated they did. It have to honor any law from Louisiana because they were in South Carolina. But being that there are Mariner Finance locations all around the country including Louisiana they should honor the SCRA protections afforded service members.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TX

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 explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
I am being charged interest on XXXX balances. I have paid off my credit card XXXX months in a row. XXXX and XXXX. I was still charged interest. I was told by a rep that they charged interest daily and even though I paid my balances off completely, I am still being charged interest. Why are they allowed to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to get information off my credit report that is inaccurate due to identity theft. I have provided the necessary documentation however they claim that they verified the information and it remains. This is a joke of course they verified that someone used my info to open those accounts, but I have never done business with those companies and it should not be on my 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 2024-03-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I was alerted that there was a hard inquiry on my credit report from XXXX XXXX Bank. I did not make this action since I was at work ; I also do not plan to sign up for a new credit card any time soon. I called XXXX Bank and the representative said that I would need to contact the Credit Bureau to resolve my issue. I called Equifax and the representative there told me to file a report on reportfraud.ftc.gov. I was also planning to email a cover letter and some of my personal information to Equifax XXXX XXXX explaining my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: OH

Complaint narrative:
XXXX  Account # XXXX XXXX XX/XX/XXXX Collection/ Written off amount {$2900.00} XXXX Account # XXXX Date- XX/XX/XXXX Charged off account amount {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XX/XX/XXXX Closed written off. {$19000.00} I believe these charges offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX compliancy requirements. 
I believe the information also reported here is inaccurate, incorrect, incomplet, and misleading. As a result my credit has been unfairly affected. 
also violating below acts 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 an account without my written instructions.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
i dont know who this is nor was i ever gotten any information about this debt pls be advise i am not debt owner under the Fcra without proper validation would be a violation of the fair credit reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im trying to purchase a home and Transunion is reporting OLD accounts on my credit file, and I have reached out for them to remove these items, but they will not remove these items. And according to the Law Under 15 USC 1681b, consumers have the right to dispute inaccurate or incomplete information on their credit reports, and I am exercising that right in this instance. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department 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 2024-03-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX  Account # XXXX XXXX XX/XX/XXXX Collection/ Written off amount {$2900.00} XXXX Account # XXXX Date- XX/XX/XXXX Charged off account amount {$1200.00} XXXX XXXX XXXX sold toXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date- XX/XX/XXXX Closed written off. {$19000.00} I believe these charges offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the metro 2 compliancy requirements. 
I believe the information also reported here is inaccurate, incorrect, incomplet, and misleading. As a result my credit has been unfairly affected. 
also violating below acts 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kikoff Inc.
State: OK

Complaint narrative:
I previously pulled my credit report and seen that Kickoff lending is reporting 90 days late on an account. I have an email stating that the loan is complete and I have never received a late notice at all through phone, email, or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681| ( 7 ).

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

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 2024-03-20 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: CA

Complaint narrative:
I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the accounts listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to these accounts. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2024-03-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the accounts listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to these accounts. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like to express my continued frustration and concern regarding the presence of fraudulent items on my credit report, despite previous attempts to have them removed. Despite my diligent efforts to rectify this situation, the fraudulent items persist, posing a significant threat to my financial integrity and security. 

Despite my initial efforts, the fraudulent items remain on my credit report, posing a constant threat to my financial well-being. Consequently, I am compelled to submit a second dispute in the hopes of finally resolving this issue and protecting my financial integrity. 

I have attached copies of all relevant documentation, including previous dispute submissions and supporting evidence, to expedite the resolution process. I urge your agency to prioritize the investigation and removal of these fraudulent items to prevent further harm to my creditworthiness and financial standing. 

Additionally, I request transparent communication and regular updates on the progress of the investigation into this matter. It is imperative that all necessary measures are taken to ensure the accurate reporting of information on my credit report and to safeguard against potential future instances of fraud. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$8200.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX  XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX Balance Owed : {$8200.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXXXXXX Balance Owed : {$8200.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: GA

Complaint narrative:
I sent a letter on ( XX/XX/2024 ) to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,

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 2024-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
They have sent repeated, threatening emails but I still dont have proof in hand that I even took the loan out.

Company response to consumer: Closed with explanation