vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
[ XX/XX/XXXX : Notified by XXXX that payment of {$1500.00} for damage claim was ready for transfer ; immediately emailed a receipt and noticed the last XXXX digits of the bank account in the paid to category was incorrect by XXXX digit ; called XXXX who stated the funds would be rejected due to the name and account number not matching. ] [ XX/XX/XXXX - XXXX : Dispute submitted to USAA after notifying them of the error ; USAA responded that the funds had not been located and refer back to sender to locate, send a letter of XXXX, OR provide a XXXX trace number. ] [ XX/XX/XXXX - Called USAA and they insisted that they needed an account number or trace number to locate funds ; reached out to XXXX XXXX USAA from XXXX to resolve the error. ] [ XX/XX/XXXX : XXXX XXXX from XXXX, emailed a Research Request Form compiled by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX handles transactions for XXXX ) ; this document was compiled after complaining numerous times of needing more information on the transaction so that USAA could locate the funds ; the option to reverse the deposit was never given to me. ] [ XX/XX/XXXX : By this time XXXX disputes had been submitted to USAA but the newest dispute contained the bank account number that the funds incorrectly went to so that USAA could locate the funds ; USAA responded funds posted as directed no error occurred. Refer back to sender to send letter of indemnity. Note that the previous dispute on XX/XX/XXXX gave XXXX options to rectify the issue ; after the funds had been located, we are now being told they can not remove the funds from the incorrect account without a letter of indemnity. XXXX more disputes have been submitted with USAA with no progress. ] [ I have called XXXX XXXX XXXX approximately XXXX times ; they claim that they are unable to transfer us to XXXX XXXX XXXX Each time they take my contact information and no one ever reaches out. We have also emailed XXXX ' and XXXX " requesting help and a letter of indemnity but made no progress. ] [ The only direction I received from XXXX Customer Service was to contact the following number XXXX ; from then on I am told someone in XXXX XXXX  will reach out and they do not return our request. ]

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 2024-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Today is XX/XX/year>, and we sent a full loan modification file to Shellpoint. We have a XXXX loan and a foreclosure sale date of XXXX. We need the sale date postponed until the loan modification file can be reviewed. The XXXX  will also reach out to Shellpoint on our behalf, and we would please like the Qualified Written Request that is attached, responded to and answered, in fullwith all due respect. XXXX, my husband, is a XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I started a {$8000.00} Citi Flex Loan since XX/XX/2024, it was supposed to be a XXXX installment plan. But the amount ended up showing in my monthly statement 's " Adjusted Balance '' contains repayment of more than XXXX  or XXXX  installments. I have no choice but to pay off more than the agreed monthly installment, in order to avoid late fees being charged to my account, while still paying all those interest rate of my loan.

You can see from my credit card statement, under " Citi Flex Plan Details '', the " payments remaining '' for Plan # 6 Flex Loan drops from XXXX XXXX XXXX during XXXX etc... I ended up clearing the {$8000.00}, XXXX-installment Flex Loan plan in less than 6 months. It doesn't make any sense at all. 

I was also desperate to get help from their customer service hotline. I once called them, described my situation to them, and you know what the rep said? She said I should be happy that I am finishing my loan repayment earlier.

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 2024-08-13 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: PA

Complaint narrative:
I am filing this complaint because TransUnion has failed to address a dispute I submitted regarding unauthorized hard inquiries on my credit report. I informed TransUnion that the following companies conducted hard inquiries on my credit report without my explicit consent, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ) : XXXX. XXXX XXXX ( XXXX ) - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/year> XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I had clearly communicated to the car dealership that I was already approved for financing through XXXX  XXXX and that no additional inquiries were necessary. Despite this, my credit was pulled by these companies, resulting in multiple hard inquiries that I did not authorize. 

I requested that TransUnion investigate and remove these unauthorized inquiries from my credit report. However, TransUnion has either failed to respond or refused to remove the inquiries, which continues to harm my credit score and overall credit profile.

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 2024-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
My mom was sending me money through Zelle back in XXXX of XXXX, it was taking a very long time to process so I called Zelle or what I thought was Zelle who scammed me out of {$2000.00}. I contacted my bank, filed a fraud complaint, had to open a new checking account, and get a new charge card. My fraud claim was denied because I authorized the transaction even though it was not a ligid transaction and I was misled. The scammers had me download an app so they can see my screen in realtime! I have since had my phone checked to make sure that app has been removed and no malware has been left behind! These scammers were calling me and having my bank show up as the caller ID! It was such a horrible experience, especially when you call the place and think you are talking to the correct company!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: IL

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 U.S.C. 1681 XXXX XXXX XXXX XXXX account number XXXX 15 U.S.C. 1681 section 602A states I have the right to privacy 15 U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C. ( 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 annotates the report by more than 7 years.

15 U.S.C. 1681 S-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 2024-08-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX CARD XXXX Balance : {$29000.00} XXXX CARD XXXX Balance : {$5200.00}

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 2024-08-13 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: NJ

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiry. 

XXXX, XXXX. - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau he documents needed are a picture ID, a bill, and a letter from a advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt 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 days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to 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 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

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 2024-08-13 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: TX

Complaint narrative:
I have identified unauthorized inquiries on 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 non-monetary relief
Consumer complaint received 2024-08-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Several hard inquiries over the course of years on my report. Dating back from XXXX accounts that i do not recognize, I have contacted these companies to alert them of fraud. I did not give any of these companies my authorization to run my report. Please help me to get this issue resolved. Again, I did not give these companies permission to pull my credit, to authorize 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 2024-08-13 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXXXXXX Balance : {$0.00}-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXXXXXX Balance : {$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 explanation
Consumer complaint received 2024-08-13 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint against EXPERIAN for violation of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIAN for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Termination : XX/XX/year> ( R ) XX/XX/year> ( R ) I previously filed a dispute with EXPERIAN regarding inaccuracies on the above-referenced account. Despite my providing evidence supporting the inaccuracies and requesting their removal from my credit report, EXPERIAN failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected by the Fair Credit Reporting Act, I have the right to request removal of inaccurate or outdated information from my credit report. EXPERIAN 's failure to comply with this law is a violation of my rights as a consumer and has caused me harm and financial distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EXPERIAN for its failure to comply with the Fair Credit Reporting Act. I request immediate removal of the inaccurate account information from my credit report and appropriate action to ensure that EXPERIAN complies with its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, 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 2024-08-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint against EXPERIAN for violation of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIAN for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Date of Termination : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I previously filed a dispute with EXPERIAN regarding inaccuracies on the above-referenced account. Despite my providing evidence supporting the inaccuracies and requesting their removal from my credit report, EXPERIAN failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected by the Fair Credit Reporting Act, I have the right to request removal of inaccurate or outdated information from my credit report. EXPERIAN 's failure to comply with this law is a violation of my rights as a consumer and has caused me harm and financial distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EXPERIAN for its failure to comply with the Fair Credit Reporting Act. I request immediate removal of the inaccurate account information from my credit report and appropriate action to ensure that EXPERIAN complies with its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, 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