vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the XXXX  account has violated my rights.

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

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.

reached out to all 3 credit bureaus by phone and by mail no update no investigation paperwork or update, and no response

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 2025-01-13 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the XXXX  account has violated my rights.

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

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccurac
ies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees. 

reached out to all XXXX credit bureaus by phone and by mail no update no investigation paperwork or update, and no response

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
To whom it XXXX concern : I received a copy of my credit report and found the following items to be errors.

The following addresses are reporting incorrectly & must be removed immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: CO

Complaint narrative:
My husband and I moved from XXXX  to XXXX  in XX/XX/year>. I waited until anything outstanding cleared and called the branch of Regions Bank where we opened the account to request to close it. They informed us we could only close the account in person. The availability of XXXX should make this transaction a no brainer. We recently purchased a home and several acres in XXXX  without ever stepping foot in that state with no problem at all. It seems silly that a simple checking account can't be closed by phone or by mail with all the proper documentation ( signatures, drivers license etc ) Not to mention, we feel like we're being extorted for the monthly service fee, and if the balance would fall below XXXX, be on XXXX XXXX! Please help us resolve this.

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 2025-01-13 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: Monterey Financial Services LLC
State: CA

Complaint narrative:
My account was sent to collections with Monterrey from my timeshare. I have sent a letter for confirm the debt to Monterrey Collections and a letter requesting they not communicate with me any longer since I don't owe them money ... I owe the timeshare. I enacted my constitutional right not to communicate with them and they are ignoring the US Consitution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
Returned my car which was a lease. I allowed for XXXX inquiry with XXXX XXXX to purchase another car and they without permission ran my credit to multiple vendors. I consequently left there and didn't purchase a vehicle due to them running it without my permission. Those inquiries affected my rate when I did purchase another vehicle XXXX days later.

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 2025-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
On XX/XX/year> I spoke to XXXX ( in the morning ) regarding my loan ending in XXXX. During our call I was advised that my loan was placed into foreclosure status and I advised her that it shouldn't have been. During our conversation she and I discussed that the original foreclosure was filed in XX/XX/year>. In XX/XX/year> I sent the reinstatement payment to the lawyer and my loan was reinstated, and the case was dismissed with the courts ( which I have the letter as proof ). At that time Flagstar never updated my account to show that the case was dismissed. She also explained that the attorney fees were charged to my account twice, which were paid during the reinstatement. XXXX also detailed that after the initial filing in XXXX there were no updates on my account ( other than my payments ) until XXXX which is when another [ foreclosure ] case was filed. 

During our XXXX minute call she also explained that the demand letter and my statements have different amounts on them. As well as when an account is in active foreclosure, no payments are allowed to be accepted, and all payments made to the lender will be returned and have to be paid as a lump sum to the assigned Attorney. 

On XX/XX/XXXX I received a noticed saying my loan was behind and at that time I called in and spoke to multiple representatives to understand what was due. I also accessed XXXX  and was able to see that my statement with a billing period ending on XX/XX/year> stated I owed {$1500.00}. That same day I made a payment of {$800.00} and arranged for a second payment of {$800.00} to be processed on XX/XX/year>. I spoke to XXXX for hours to review my statements and the amount that was due. She advised me that once my payment for XX/XX/year> was processed that I call back in or chat with an agent to make sure the payment was received. On XX/XX/year> I chatted with XXXX and she expressed that the payment was received and was held in suspense since it was more than the amount due. 

On XX/XX/year> I called in and spoke to a representative about everything that was going on and they advised that they would put in a request for a supervisor to call me but no one had called ; so I called in again on the morning on XX/XX/year> and XXXX provided me XXXX XXXX email and said he would be the supervisor working on my case. I contacted the law firm multiple times regarding my foreclosure and they keep sending me back to Flagstar ; and each time I reach out to FlagStar no one can provide any updates. 

I have been unable to pay my monthly payment for XXXX and XXXX because of this, and my loan is set to transfer to XXXX XXXX in a few weeks and this is still not resolved.

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 2025-01-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX has violated my rights.

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

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: NH

Complaint narrative:
All Debt Solutions has continued to harass me about a debt that I had closed out of at XXXX XXXX. Under the pretense that I could not cancel XXXX banking upon request, was ignored and continued to bill me. Resulting in All Debt Solutions taking over the debt. This year they have now updated the debt further even though I have not incurred additional costs. I have requested multiple times to validate the debt and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FlexPath Capital, Inc
State: GA

Complaint narrative:
I recently reviewed my Consumer credit report and noticed some accounts that are reporting inaccurate and i don't recognize. One being XXXX XXXX XXXX Account # XXXX and The other one being FlexPath Capital Account # XXXX. Both of these accounts are in direct violation 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681e ( b ) of the FAIR CREDIT REPORTING ACT ( FCRA ), which requires credit reporting agencies and furnishers of information to maintain complete accuracy in consumer reporting. Due to the lack of the credit reporting agency and furnisher abiding by the FCRA I'm facing possibly being relieved of my duties from the military. I will attach the accounts that's showing violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was trying to apply for a credit card with Capital One. When I went to fill out the pre-approval application, it said I couldn't be approved or denied at this time because I had already filled out another application. When I called them, they said there was a completed application they were reviewing, and it was done on XX/XX/year>. I have never applied for a credit card with them, and we confirmed that the person used all my information. Capital One is investigation the fraud now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NC

Complaint narrative:
comments to the company involved. 
I reviewed my consumer reports and noticed that I have 1 late payment on an account lead bank XXXX. # XXXX that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account that I have included screenshots this complaint in on dates of XXXX and XXXX  please investigate and provide proof and statement showing that these payments were late.

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 2025-01-13 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian stated that the company that reported the information-public record has been certified that the information is correct. I want a description of the procedure used to determine the accuracy and completeness of the information. The business name and address of any further information contacted and the phone number of such furnisher, or of any furnisher of information that contacted the consumer reporting agency, in connection with such 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 explanation
Consumer complaint received 2025-01-13 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: CT

Complaint narrative:
XXXX XXXX XXXX service, with account # XXXX, This account is a charge off account. According to the FCRA charge off account should be treated as GROSS INCOME. XXXX XXXX XXXX service denied me from obtaining a form 1099-C. I have disputed this account several times with Experian but Experian SHAM the investigation using stall tactics and verified the account as accurate with no proof of documentation therfore I am asking for a proper investigation under the FCRA guidelines. As a consumer I am obligated to a 1099-C form for this charge off account, if you Experian can not provide me a copy of a 1099-C please remove this account from 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). This request stems from my unfortunate experience as a victim of identity theft, which has resulted in inaccurate and damaging information being reported on my credit profile. Below is a summary of the actions I have taken to address this matter and the persistent issues I continue to face : 1. Discovery of Fraudulent Accounts : After my divorce, which was finalized over a year ago, I discovered that several fraudulent accounts had been opened in my name and were being reported on my credit profile. I confirmed with my ex-husband that he did not open these accounts using my information. 

2. Initial Steps Taken : o In XX/XX/year>, I immediately placed a freeze on my credit account and added a statement to my file indicating that I am a victim of identity theft. 
o I filed a report with the Consumer Financial Protection Bureau ( CFPB ) documenting the fraudulent accounts and also filed a police report to support my claim. 

3. Notifications to Creditors and Credit Bureaus : o In XX/XX/year>, I sent formal letters to XXXX  XXXX and XXXX XXXX, notifying them that I am a victim of identity theft. XXXX XXXX removed the fraudulent accounts from my credit profile. However, XXXX XXXX failed to do so. 
o On XX/XX/year>, I mailed letters to all three major credit bureaus ( Equifax, XXXX, and XXXX ), informing them of my identity theft situation. I included copies of my CFPB report, police report, and the letters sent to the collection agencies. In these communications, I formally requested the removal of the fraudulent accounts from my credit profile under FCRA regulations. 

4. Ongoing Issues : o Despite my efforts, I recently received a notification that another fraudulent collection account was added to my credit report. I disputed this information online with Equifax, providing copies of my police report, CFPB report, and a letter stating that I am a victim of identity theft.

o To my surprise, I received notification from the credit bureau that the debt from a company call The Bureaus was verified as valid. I have never had any dealings with XXXX XXXX  or The Bureaus, yet these accounts remain inaccurately reported on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-13 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: CT

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with explanation