vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
I wrote you before asking for proof that I didn't cancel this insurance from XXXX XXXX I called and cancelled this policy before it came past due credit collection service responded they couldn't find this account I needed to send them the original letter they sent me. I have a copy of that letter. If they can't prove I didn't call and cancel they need to delete from all credit reports today

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 2024-08-21 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: FL

Complaint narrative:
I wrote you before asking for proof that I didn't cancel this insurance from XXXX XXXX I called and cancelled this policy before it came past due credit collection service responded they couldn't find this account I needed to send them the original letter they sent me. I have a copy of that letter. If they can't prove I didn't call and cancel they need to delete from all credit reports today

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.

Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2024-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
After speaking with a representative from Chase Sapphire regarding his credit mistake on my credit card account, I followed his plan to arrange a wire transfer in order to offset his mistake. It turned out to be a scam. CHASE now denies any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried on numerous times to use transunion.com 's credit freeze option. It does not work, I've tried to follow their instructions on clearing browser history/cache and no matter what browser I use I can't access it. Then when trying to call or chat it takes forever to get through to anyone who can help. I've talked to numerous others who pay for transunions credit monitoring and they have even shown me they have no issues. It seems like transunion is using the old pay to play trick. I shouldn't have to pay to get access to a credit freeze. Especially when my information has been found to be leaked on the most recent breach reported online. I also tried to use their fraud alert option as well but I get the same error the status of your freeze is unavailable at this time please try again later or contact us by chat/phone. Then when you call it goes to a call center overseas, not necessarily the most secure system when foreign nationals have access to my confidential information.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. These addresses were used to open accounts in my name : 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  Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses and accounts. I do not recognize the aforementioned addresses and accounts as reported. The aforementioned addresses and accounts appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses and accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned addresses and accounts are the result of identity theft and fraud. Enclosed Police Report with the fraud accounts 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 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I received an email from M & T Bank regarding an account opened in my name using my social security number and address. I was able to successfully close the account before any activity occurred but the individual created an online account using a separate email.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. Please removed these account as soon as possible. Thank you

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I'm REWRITING to complaint to COMENITYBANK-VSMC about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Account opened XXXX XXXX. 
First direct deposit XXXX dollars XXXX Second deposit XXXX dollars XXXX REQUIREMENT XXXX met to get XXXX dollars multiple direct deposits of XXXX dollars XX/XX/XXXX XX/XX/XXXX. 
Offer says bonus should post before 60 days after qualification periods ends XXXX XX/XX/XXXX I called XX/XX/XXXX, customer service said to wait XX/XX/XXXX. 
I called today XX/XX/XXXX and now they say to wait another 2 months. 

My husband also had to CFPB them for his saving account because they never paid the money. this bank is a nightmare and they never answer to the XXXX emails we sent.

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 2024-08-20 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I would greatly appreciate if the credit reporting agencies can be told to stop reporting inaccurate and incomplete accounts on my credit report. It is not far to me as a consumer. And it has cause me to be denied several times for loans, refinancing and credit cards. This is not a third party filing this report for I am a real person. Please look into this matter.

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 2024-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I PURCHASED A BED FOR {$1300.00} WITH NO INTREST IF PAID IN 12 MONTHS..I I DID PAID FULL AMOUNT WITHIN THE THE YEAR. TODAY I STILL OWE XXXX THAT I HAVE NO IDEA WHERE IT CAME FROM? I TRIED TO STOP PAYING THEM, THEY HURT MY CREDIDT SO BAD. AFTER THAT I HAVE NO CHOICE OTHER THEN PAYING THEIR MINIMUM. I WAS FORCED TO PAY A LOT OF MONEY BECAUSE I HAVE NO HELP FROM NO BODY. S SO, I DECIDED TO KNOCK MY GOVERNMENT DOOR FOR HELP. THANK YOU.

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
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've noticed some unauthorized accounts 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ). 

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance. 

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

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 2024-08-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
Since I have applied, I let the company know I was not paying rent over the summer. Aparently, according to underwriting regulations, I would not be able to include my rental income from my investment properties during that time, thereby probably disqualifying the loan. 

I have spent many many hours gathering documents and this process has taken weeks and weeks. If this was the case, this should have been disclosed early on. 

Now, the company is tring to charge me {$20.00} per day to keep my rate lock. Even though they were the cause of an almost 2 week delay by not adding notes to the correct area of the application. 

What a waste of time- I could've have worked with a different bank during this time, or been able to ammend my situation so that I DID qualify. Now the rate will expire and because of my experience I will likely need to go through this entire process over again with a new bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
Please remove these accounts and update late payment accounts which are listed in letters and in FTC IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: WA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, there were charges in excess of {$2000.00} charged to my home depot card that were not authorized. I have written multiple requests to Home Depot to remove the charges. I explicitly explained in detail the reason I was disputing the charges. 

I authorize a contractor to use my card for a specific job I was doing. His wife took the card stating she would pick up supplies the contractor needed and the contractor agreed. She went on a shopping spree for XXXX items, etc. The contractor was licensed and bonded and fully recommended. By allowing him to use my card, I was not negligent in my allocation or use of my card. I immeditely called the contractor and Home Depot. I made a fruad claim with Home Depot even prior to the statement coming out as I monitor my account online. 

I do not believe I was negligent, or not responsible for my card. I requested from Home Depot proof that as the only allowed signer, that the charges were made and signed by myself. They refused to supply. I also filed immediately a police report with the 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
After multiple requests to investigate this account, it is evident that both XXXX and Aldous and Associates have violated my consumer rights. I previously submitted a complaint to the CFPB but have yet to receive a response from either the collection agency or XXXX. Under 15 USC 1681e ( b ), you are legally required to ensure maximum accuracy in your reports. The information provided by XXXX XXXX ( account number XXXX ) is clearly inaccurate according to the Fair Credit Reporting Act. Therefore, I am formally requesting the immediate deletion of this account due to your failure to comply with 15 USC 1681e ( b ). Enclosed is the response from the original creditor, which highlights the discrepancies in my report. 

Please address this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: NC

Complaint narrative:
On or around XX/XX/2024 I reached out to dispute the info to make the credit bureaus aware of balances that were incorrectly showing I am accruing interest on my XXXX  loan accounts in addition to erroneous late payments on my XXXX XXXX XXXX account. I submitted proof of the payments made via XXXX XXXX for my XXXX XXXX XXXX account, and cited the fact that I can not accrue interest while in school for my XXXX  loans. 

The credit bureaus proceeded to update very minimally the late payments to only a few for my XXXX XXXX XXXX and update the balance as XXXX. Instead of correcting all of the erroneous late payments. 
For my XXXX  loans they only updated the balance to show the amount without accruing interest until XX/XX/2024, still allowing the balance owed to be incorrect.

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 2024-08-20 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: NC

Complaint narrative:
On or around XX/XX/year> I reached out to dispute the info to make the credit bureaus aware of balances that were incorrectly showing I am accruing interest on my student loan accounts in addition to erroneous late payments on my XXXX XXXX XXXX account. I submitted proof of the payments made via military allotment for my XXXX XXXX XXXX account, and cited the fact that I can not accrue interest while in school for my student loans. 

The credit bureaus proceeded to update very minimally the late payments to only a few for my XXXX XXXX XXXX  and update the balance as XXXX. Instead of correcting all of the erroneous late payments. 
For my student loans they only updated the balance to show the amount without accruing interest until XX/XX/year>, still allowing the balance owed to be incorrect.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was listed as part of the XXXX data leak from Florida XXXXXXXX XXXX XXXX It was recommended to login to TransUnion and put a freeze on my credit requests. I tried logging in and didn't have a valid login. I then tried to create an account, and it fails to let me login. 

When trying to login with email address and the newly setup password, login fails. States to call customer support at XXXX. I call the number, it picks up, and then hangs up about XXXX seconds later. 

I've been trying since XXXX  ( XXXX ) to login to freeze my credit request and it's not working. I'm concerned someone will open new credit accounts in my name.

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