vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, Experian, and XXXX data breach, which adds to my worries about the safety of my personal data.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS Certified Mail ( tracking # XXXX ), requesting a reinvestigation of items on my credit report, specifically a bankruptcy. I included all necessary documentation to verify my identity and address, including a copy of my photo ID, social security card, and a recent bill with my current address. 
On XX/XX/year>, I received a response from TransUnion stating : '' We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. '' This response is troubling because, as outlined in the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items when a consumer submits a dispute with sufficient identification. By refusing to process my dispute, TransUnion has failed to fulfill its legal obligation under the FCRA. 
Additionally, I mailed a separate dispute to XXXX on XX/XX/year> ( tracking # XXXX ), regarding the same bankruptcy. On XX/XX/year>, I received a response from XXXX confirming that they filed disputes with all three credit bureaus, but none of the bureaus had responded to their inquiries. This demonstrates that the bankruptcy reported by TransUnion is unverifiable, even by XXXX, which serves as their primary furnisher of public record information. 
I am including copies of the disputes sent to TransUnion and XXXX, as well as XXXX ' response, for your review.

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 2024-12-03 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX : Original creditor : XXXX XXXXXXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX  - Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

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

15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681IS-2 15 USC 1692g

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 2024-12-03 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:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX, I received an email from NewRez indicating that my recurring automatic payment bank account information had been modified. Neither I nor my co-borrower authorized or recognized this change. 

Upon logging into my account, which is secured by multifactor authentication, I confirmed that the bank account information was updated to a routing and account number unknown to me. This raises significant concerns about both the security of my account and the possibility of my personal bank information being compromised or misapplied to someone else 's loan. 

I promptly contacted NewRez Customer Service. During my first call, I was informed that no payments had been made ( incorrect, as I made a payment on XX/XX/year>, which was successfully withdrawn from my correct account ). I was also told that Customer Service can not change bank account information and that the change must have been initiated by me, which is untrue. 

Unsatisfied, I called again and spoke to a representative who acknowledged my previous payment and confirmed that my bank account details were changed. However, they could not provide any information about how or why this occurred, who made the change, or any steps to prevent this from happening again. Additionally, while chatting with online support simultaneously, I received the same lack of clarity. 

I asked for basic information, such as the username responsible for the change, but was told they could not provide it. This is fundamental information that should be accessible in any secure system.

NewRezs lack of transparency and inability to address a critical security issue is unacceptable. I need assurance that my personal information, including my bank account details, has not been compromised. Additionally, I expect a clear explanation of how this unauthorized change occurred and the steps NewRez is taking to secure my account and prevent future issues.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: NJ

Complaint narrative:
A XXXXXXXX XXXX XXXX XXXX was purchased at XXXX in Georgia. We found it in a drawer just wanted to find out from the company what our balance was and it has been nothing short of XXXX  town getting any information from them!! It shouldnt be that difficult to get this information as we found another card tucked away with this one. We called that number and it was super easy to get the balance and to see we had XXXX  used it yet.

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 2024-12-03 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). 
XXXX XXXX XXXX. {$12000.00}, XXXXXXXX XXXX Bal. {$14000.00}

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 2024-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am seeking a resolution either through direct action by the authorities such as the XXXX, XXXX, CFPB, and FTC, or through arbitration with the financial institution following multiple calls where I requested an unlimited credit balance and inquired about the " amount owed according to Title 18 U.S. Code 8. My request for an unlimited credit balance was denied, which is a violation of open-ended credit provisions under Title 15, U.S. Code 1602 ( j ). Furthermore, under Title 15, U.S. Code 7006, I assert my authority as the Authorized Representative Agent of the Consumer to ensure that all debts are resolved honorably. I empower the Indenture Trustee of XXXX XXXX XXXX XXXX to settle all debts in accordance with Title 18 U.S. Code 8, affecting all financial transactions concerning this account, whether past, present, or future. Additionally, as stipulated in 15 USC 1692j, the Creditor/Financial Institution has provided monthly statements via mail.

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 2024-12-03 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: NC

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Full Circle Financial Services, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I called Full circle at XXXX and spoke to a representative named XXXX. I explained that I was going through a restructure to pay all my lenders after I had gone through a bout with XXXX and I needed to stop all auto drafts. He was argumentative and then I told him I was REVOKING AUTHORIZATION for all future drafts. Then I made other calls to my other lenders and did the same thing. On the XXXX of XXXX I received notification that a payment of {$200.00} was withdrawn from my account more than a week after I had revoked authorization. They did not have permission please pull the call immediately to verify this all happened. This caused me to go negative and I was unable to meet other financial obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-03 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: FL

Complaint narrative:
I have identified unauthorized inquiries on my credit report that were made without my consent. After contacting the credito responsible, they confirmed they have no record of my initiating these inquiries and lack any written or verbal authorization. As the inquiries are not valid, I am formally requesting their immediate removal. 
Details of Disputed Inquiries : XXXX. XXXX - Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX. XXXX - Inquired on XX/XX/XXXX XXXX. XXXX - Inquired on XX/XX/XXXX XXXX. XXXX - Inquired on XX/XX/XXXX XXXX. XXXX - Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. 
XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX. 
XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes ( Section 604 ) : Unauthorized inquiries fail to meet the criteria for permissible purposes as outlined in the FCRA. Handling of Unverifiable Information ( Section 611 ) : Inquiries that can not be verified must be removed as required by law. Right to Verifi ( Section 609 ) : I am entitled to verify each inquiry with an original, signed contract as proof of authorization. Information Provider Responsibility ( Section 623 ) : Creditors are obligated to ensure that all reported data is accurate and authorized. Protection Against Identity Theft ( Section 605A ) : Any inquiries potentially linked to identity theft must be removed immediately. Formal Request : I am formally requesting a comprehensive and manual investigation into the disputed inquiries on my credit report. If verifiab documentation can not be provided, I request the immediate removal of these inquiries. Please be advised that I reserve the right to pursue legal action and to file additional complaints with the CFPB and my states Attorney General if this matter is not resolv promptly. Sincerely, 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 explanation
Consumer complaint received 2024-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened checking and saving account ( XXXX ) with Citizen bank early XXXX and they promised me XXXX welcome bonus. In those XXXX, XXXX is for direct deposit to checking account and XXXX is for 3 month consecutive deposit ( with more than XXXX ) to saving account. 

I direct deposit over XXXX to the checking account and transfer XXXX to saving account each month. I double check with staff while I open account if this practice would qualify the promotion bonus. 

Now they told me transfer is not deposit, and I am not qualified for bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
They constantly call me and my family members threating to ruin my credit unless my supposed debt was paid in full. They are very rude and unprofessional. This is a fraudulent company who is accessing peoples credit, harassing them for fake debts.

Company response to consumer: Closed with explanation