vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX tried to open a checkings account with Suncoast credit union, I received adverse action notice via mail, request for membership was denied stating at this time we are unable to offer membership. Reason for the denial was unable to verify my identity, Suncoast credit union looked for my identity through the three credit bureaus XXXX, XXXX, XXXX, was unable to determine my identity I had a freeze on all credit reports, they then took it upon themselves to go through XXXX XXXX XXXX, my problem with the whole issue is the bank could have made better decisions on my requests for membership by calling me or sending me a letter stating they were unable to verify my identity or something, they did not have to go through XXXX XXXX XXXX I've never even heard of them before they gave them a report of credit score /blank, Scores range from XXXX - XXXX I know that on the FCRA act they should have not went to any other resources to confirm any of my information, my credit score should not reflect on my chances of optaning a checkings account. Wich is why I am reaching out to file a complaint I feel I was discriminated due to my credit report being frozen and my privacy was invaded when sent through another company to obtain my information a simple phone call was all the bank had tu do I provided all my personal info, cell number, SSN, address, dob, martial status, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: SC

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 2024-05-13 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: SC

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 non-monetary relief
Consumer complaint received 2024-05-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the late payment entries recorded on my credit report. These late payments impacted my financial management capabilities. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 
I believe that you are required to conduct a sensible investigation into disputed items. I request that you look into these accounts promptly and make the essential corrections. The bank associated with these late payments has agreed to remove them.. 
Here are the accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX  miscalculated my 2024 mortgage payment because last year they took out a XXXX insurance on my behalf which increased my payment by about XXXX. I called them immediately I received the letter in XXXX and asked them to fix the issue. I was told my mortgage would be recalculated. Their agent took my XXXX payment over the phone after I insisted that they recalculate and give me the correct rate. The next month I was reported to the credit bureau for being delinquent on my Mortgage. I immediately called them to resolve this issue since I never missed a payment, rather I overpaid on my mortgage in XXXX but they have still not resolved this issue. Every month since XXXX, I receive delinquent and collections notices on a mortgage that I am current for. I have called 4 times since XXXX to reconcile my account to reflect the fact that I am current but this has not been addressed so far. It has been 90 days since this issue began.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX XXXX Owed : {$470.00} XXXX XXXXXXXX XXXX Balance Owed : {$750.00} XXXX  XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX  Balance Owed : {$520.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-05-13 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: TX

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX XXXX Owed : {$470.00} XXXX  XXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXXXXXX XXXX XXXX  Balance Owed : {$520.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
TransUnion, XXXX XXXX My score dropped from XXXX points from XXXX to XXXX in the last 20 days. 

I have less than {$3000.00} collections. 
100 percent on time payments. 
No Bankruptcy. 
No loans. 
No Mortgage which was paid on time when I did have mortgage. 

Again this is discrimination, I have supported docs of my current situation. 
As a now XXXX first responder close to 30 years. 

I now still remain XXXX 
Now need knee XXXX. 
Still have pending XXXX claim since XX/XX/year>.

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 2024-05-13 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: FL

Complaint narrative:
XXXX, Experian XXXX My score dropped from XXXX points from XXXX to XXXX in the last 20 days. 

I have less than {$3000.00} collections. 
XXXX  percent on time payments. 
No Bankruptcy. 
No loans. 
No Mortgage which was paid on time when I did have mortgage. 

Again this is discrimination, I have supported docs of my current situation. 
As a now XXXX first responder close to 30 years. 

I now still remain XXXX. 
Now need knee XXXX. 
Still have pending XXXX claim since XX/XX/2020.

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 2024-05-13 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: NJ

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 explanation
Consumer complaint received 2024-05-13 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: LA

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 2024-05-13 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:
All three Credit Bureaus ( XXXX, XXXX, and Transunion ) are falsely reporting on XXXX XXXX ' accounts and lying saying that it's from 3rd party collection agencies. It's from a department within their agencies. The Credit Bureaus are bombarding us with advertisements to pay for their service when they no longer have federal standing. Since they have access to all of us, they are reporting falsely on purpose and when they are found in error they do not put the score back where it was. We are being monitored by a team that monitors the deep background of our profiles watching for late payments. But because they do not know the terms and agreements for late payments they falsely report thinking they won't get caught and citizens assume they were reported, when the company may not report until after 30 days. I have been attacked since XXXX. Their error stopped me from getting a XXXX XXXX  among other things and I lost everything. Three times in the past 3 months there was a paid account from XXXX  they put back on my credit knowing that I had paid it. To tell you the truth my score should be XXXX by now. It has taken me years to fix things because they will refuse to change things even when you have proof. I feel targeted and discriminated against. The latest issue was a few days ago when They deducted XXXX points for late payment. I contacted the Company they said reported me because we are under a written agreement. I have an email that states they did not report me. My XXXX XXXX  was being misused by a charity and XXXX decided to prevent further fraud to void the card and order me a new one. So I made arrangements and provided the business with proof that the money was in my account but I have to wait on the card. The company agreed for me to pay next XXXX. The next day I was XXXX. They even allowed a XXXX XXXX XXXX to submit an eviction that had no court order. The Owner lied and resubmitted his false evictions to claim us for XXXX to get money from the government when he no longer owns the property. I showed the XXXX XXXX proof of this and they did nothing. I have provided the company email stating they did not report 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 2024-05-13 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: CA

Complaint narrative:
I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. 
XXXX and Transunion, another credit bureaus, have already removed these late payments from these accounts from their records due to an unidentified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it and the companies also approved of updating the status of the accounts to never late after I talked to them on the phone. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: CA

Complaint narrative:
n 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 : National credit adjust # XXXX Account name : XXXX # XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX has violated my rights. 


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 2024-05-13 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: CA

Complaint narrative:
n 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 : National credit adjust # XXXX Account name : XXXX # XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX. I have been a loyal Chase customer since XXXX, adhering scrupulously to all regulations and rules without any violations. However, on XX/XX/XXXX, I was unexpectedly informed by Chase that my account would be forcibly closed. The notice was discourteously brief, prohibiting any inquiries about the reasons or potential resolutions for this action. Despite assurances that a refund check for the full account balance would be mailed by XX/XX/XXXX, I have yet to receive any funds or further explanations. 
XXXX. It has been nearly XXXX months since the incident, and repeated attempts to resolve this matter have been met with poor customer service and continual evasion by your staff. Every inquiry remains unanswered, leaving me without any justification or resolution. 
XXXX. Immediately following the closure notification, I consulted a manager at a local branch, who, after reviewing my account details, confirmed that there were no suspicious activities associated with my account. This manager also reassured me that all funds would be returned via check on the promised date ( XX/XX/XXXX ). Despite numerous follow-ups from myself and manager with the bank, I have been repeatedly met with rude assertions that the account is being held legally without cause, and disturbingly, there is no indication of when the funds might be released.

4. I am profoundly distressed and angered by this situation. The banks actions constitute a severe breach of consumer rights, and I suspect deliberate delays and potentially improper use of client funds. I possess compelling evidence from the onset of this issue. Should the funds not be promptly returned following this complaint, I am prepared to take all necessary legal actions against Chase Bank.

5. I demand immediate action to rectify this situation, including a detailed explanation and the swift return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
My mortgage was transferred to Mr Cooper in XXXX and I mailed a check for my mortgage payment to Mr Cooper as requested and it cleared my bank on XX/XX/year>. I called the bank on XX/XX/XXXX because my payment had not been posted to my account and was showing still due. It has still not been posted as of XXXX. On XX/XX/year> Mr Cooper made an unauthorized withdrawal from my checking account in the amount of {$240.00}. My mortgage was sold to this company and they are still allowed to be in business even after they have taken millions of unauthorized payments from customers! I dont want to do business with them and the first month they are taking money out of my account that is not owed them in any way. They have been sued in class action lawsuits for this very thing and they are still continuing to take money they arent entitled to!

Company response to consumer: Closed with explanation