vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. Federal law states these companies are required to report 100 % accuracy. I am requesting the information used to validate this information. 

My name is XXXX XXXX there should be no other names or name variations listed, if there are this is considered identity theft as I do not identify as those names. 

My address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX there should be no other address listed on my consumer report. My address is correct and listed on the federal mailing registry per the guidelines for the United States postal. Remove any other address listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. Federal law states these companies are required to report 100 % accuracy. I am requesting the information used to validate this information. 

My name is XXXX XXXX there should be no other names or name variations listed, if there are this is considered identity theft as I do not identify as those names. 

My address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX there should be no other address listed on my consumer report. My address is correct and listed on the federal mailing registry per the guidelines for the United States postal. Remove any other address listed.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I believe a few accounts listed below have violated the Fair Credit Reporting Act in terms of accuracy and my privacy. 

XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A says i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 says a Consumer reporting agency can not furnish an account without my written instructions ( The bankruptcy courts do not provide information to the credit bureaus. The credit bureaus collect information regarding bankruptcy cases from the Bankruptcy Courts public records. No matter the status of your case ( open, closed, discharged, dismissed ) 15 U.S.C 1681s-2 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate.

I also was never given the opportunity to check or dispute information on these accounts, if you believe you have proof of my acknowledgement and receipt of the information on these accounts please provide this proof with my name and signature of acceptance if you have sent certified mail please provide me the receipt with my signature these accounts are hurting my efforts to reestablish credit since my bankruptcy

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 2024-04-06 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: IL

Complaint narrative:
I believe a few accounts listed below have violated the Fair Credit Reporting Act in terms of accuracy and my privacy. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A says i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 says a Consumer reporting agency can not furnish an account without my written instructions ( The bankruptcy courts do not provide information to the credit bureaus. The credit bureaus collect information regarding bankruptcy cases from the Bankruptcy Courts public records. No matter the status of your case ( open, closed, discharged, dismissed ) 15 U.S.C 1681s-2 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate.

I also was never given the opportunity to check or dispute information on these accounts, if you believe you have proof of my acknowledgement and receipt of the information on these accounts please provide this proof with my name and signature of acceptance if you have sent certified mail please provide me the receipt with my signature these accounts are hurting my efforts to reestablish credit since my bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: AZ

Complaint narrative:
I received notice that the XXXX XXXX XXXX information was fixed and updated. I pull all 3 reports just to find the inaccuracies are still reporting. XXXX has paid current, Equifax has XXXX late payments and CO, and XXXX has 120 days late. Please there is nothing these agencies can tell me because XXXX XXXX is the one reporting the information to these agencies and it should not be inaccurate across the board. Please delete immediately as it is hindering my ability to obtain credit. I am in the middle of a housing sale and this is becoming a thorn in my side as i have been disputing this inaccuracy for over 6 months now. IT IS A VIOLATION AND IT DOES NOT CONTAIN MAXIMUM ACCURACY AND IT NEEDS TO BE DELETED. AT THIS POINT XXXX XXXX HAS HAD 180 DAYS TO CORRECT AND ITS STILL INACCURATE PLEASE DELETE!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: Bright Capital Inc
State: TX

Complaint narrative:
THIS IS NOT MY ACCOUNT AND SHOULD NOT BE REPORTING ON MY CREDIT I WANT THIS REMOVED IMMEDIATELY.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: VA

Complaint narrative:
These Accounts are reporting fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My son opened a student account when he was still a minor, and I was added to the account. We were told the benefit of the account was no overdraft fees. However, upon turning XXXX overdraft fees were assessed on the account for {$3.00} being overdraw. The bank refuses to waive the fee, despite claiming to no longer charge overdraft fees. They are also strong arming me by not allowing me to be removed from the account. Below are the interactions I've had with the bank : XX/XX/year> son overdrew account by {$3.00} XX/XX/year> {$36.00} overdraft fee. 
XX/XX/year> Received threatening notice that if fee is not paid, the account will be closed, an additional {$30.00} fee will be added and credit will be impacted. 
XX/XX/year> Visited local branch. The manager said corporate locks them out from removing fees. 
XX/XX/year> Called XXXX different branches. The first person I spoke to was rude and hung up. I called a different branch and asked to speak to a manager, who was unsuccessful at removing the fee. 
XX/XX/year> reached out via XXXX and was provided a case # XX/XX/year> Received an email from XXXX XXXX stating fee will not be removed.

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 2024-04-06 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: NY

Complaint narrative:
There are multiple unauthorized, hard inquiries on my credit report that do not belong to me from : XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and 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 2024-04-06 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: NY

Complaint narrative:
There are multiple unauthorized, hard inquiries on my credit report that do not belong to me from : XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/year>, a person presented a check deposit and received cash back ( {$1800.00} ) at PNC Bank in XXXX XXXX, MD. I received a letter from PNC on XX/XX/year> advising me the check deposit was returned due to account closed. Since no deposits were from me, I decided to go to PNC XXXX in person where my account was opened. The XXXX shared the deposit ticket and cash withdrawal from my account. Basically, the person drained my bank account. PNC agrees this was not my signature on file so I closed this account and opened a new one. We filed a fraud claim and I was advised the funds would be deposited to my new account within XXXX days. It's been over 2 months and I still do not have the money. I've contacted PNC numerous times, spoken with the branch manager at the location where funds were stolen, been in touch with the VP Client Relations at PNC. I'm told, this is still under investigation. I'm unclear why? It was not me and the signature does not match! I was also advised to obtain a police warrant in order to see the video footage and prove this was not me. I'm working on this now but feel a forged signature should be good enough. PNC is also charging {$15.00} bank fee on old account where $ $ was taken. Any help is greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been a victim of identity theft, where someone opened a bunch of credit cards/accounts under my name in XXXX without my knowledge or authorization, and spent almost {$70000.00} across different banks and retailers. The fraudsters started by changing my mailing address with USPS and I didn't become aware of the fraud until they opened a credit card with one of my actual banks. I haven't lived in the U.S. since XXXX, so don't check my U.S. credit report on a regular basis as I don't use my U.S. credit card. In XX/XX/XXXX, I checked my credit report and discovered that numerous credit accounts had been opened, with tens of thousands dollars posted as major derogatory. 

I had placed a freeze with all three major credit reporting agencies and disputed all the charges with them. I also contacted all the banks individually to report the fraudulent transactions in early XXXX. Within a month, all the banks ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) besides XXXX XXXXXXXX and Best Buy/CBNA ( Citi ) removed the fraudulent accounts from my credit reports. 

Best Buy/CBNA : I contacted them over the phone on XXXX XXXX, XXXX, about a fraudulent account with about {$4500.00} outstanding, requesting that the credit account be removed from my credit history as I never opened it. My case number with Citi/Best Buy is XXXX XXXX XXXX. XXXX months later, Citi, along with XXXX XXXX, are the only XXXX banks that have not removed the fraudulent accounts from my credit report and continue to insist that they are non-fraudulent.

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 2024-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI

Complaint narrative:
This year I was in the process of transitioning all of my bank accounts from XXXX XXXX XXXX in North Dakota to a XXXX  in Rhode Island. During that time I successfully transitioned all of my payroll and auto bill pay processes to the new bank account, expect for one : a home mortgage that is managed by Lakeview Loan Servicing. 

While changing the bank information for my mortgage autopay on the Lakeview Loan Servicing website I inadvertently input the wrong bank account number into the websites field requiring bank information. Due to this error, my mortgage was not paid during the month of XXXX. After learning about this, I navigated to the Lakeview Loan Servicing website to attempt to make a manual payment, which I did. However, I was still unaware that my bank account information was erroneously entered on the website. I did not receive communication, either via postal mail or via email, from Lakeview Loan Servicing that my payments were unsuccessful. 

In XXXX I re-reviewed my bank statement and learned that my mortgage payment was not submitted. That is when I learned that my bank account information was erroneously added to my account. That is why on XX/XX/XXXX I called Lakeview Loan Servicing to work with the servicer to resolve my situation. On that date I made my XX/XX/year> mortgage payment. The customer service representative informed me to call back on XX/XX/XXXX to make the second mortgage payment. 

After contacting the servicer to make this second payment I was informed that I am not allowed to make a payment online because my previously attempted payments were not successful. Instead, I am required to submit a payment via XXXX XXXX for XXXX consecutive months. The Lakeview Loan Servicing website does not feature instructions for making these payments. When I asked a customer service representative to email me the instructions, I was informed that it was not possible to do so.

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 2024-04-06 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: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
Robinhood Credit should be removed from previous authorized user 's credit report XXXX XXXX. I have emailed Robinhood credit several times to ensure that account be removed from XXXX XXXX 's credit report to no avail to date account is still reporting as an open authorized user account and has been closed for close to 6 months!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: VA

Complaint narrative:
These Accounts are reporting fraudulently.

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 2024-04-06 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-06 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: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX but it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: NC

Complaint narrative:
Discovered through collections agencies attempting to collect a debt I have no knowledge of & via credit reports that my identity has been compromised. I have since request validation of debt & filed an identity theft report to the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America credit card was used fraudulently. Reported to Bank of America. They closed case within 3 days and denied my fraud claim. Department is currently closed. I did not authorize the charge. Immediately reported as soon as charge came through.

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