vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NV

Complaint narrative:
XXXX took money from me for a subscription that I did not want. XXXX refused to refund me and when disputing the transaction Cash App will not help me. I should not be forced to pay for a subscription I am not using. I canceled as soon as I noticed $ coming out of my account. I also deleted the app and found a completely diff app to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: GA

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 USC 1681. 

Account 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 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 explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE

Complaint narrative:
Below is the issues outlined for Citizens regarding their practices. 

I have received your notice of issues regarding payments above loan. I have repeatedly attempted to pay agreed upon payments in full and on time, but have been unable to do so due to obstruction on your end. In XXXX of 2023, I left XXXX XXXX bank for XXXX Bank in XXXX, Nebraska for my personal banking needs. Despite providing all up to date and valid information regarding automatic or even singular digital payments through this bank, Citizens has been unable to accommodate this request of payment form. Due to this, I attempted to send personal checks that were also valid and able to be cashed, but was then told I needed cashier checks to be written each month as the only option for valid payment of this loan. None of this has been concerning insufficient funds. 

The bank account information provided has had an average balance of {$51000.00} per month since opening this bank account last year. The month payments are around {$5000.00}. The provided amount has had XXXX the sufficient funding, unfortunately you have been unable to withdraw this funding on your end. My bank has also provided documentation of this in the past and can do so if requested for the third time. I have also been obstructed from viewing my account information online. 

In spite of sufficient funding in an accessible bank account and physical check payments throughout the entire life of loan, Citizens has continued to tell me that I am not making appropriate payments on this loan and have tried to issue a XXXX XXXX and is now threatening foreclosure. An additional {$200000.00} has been paid to the loan in the last year as an extra payment beyond the monthly rate. There has been no mention of this in information given. 

Enclosed is a cashiers check for the most current outstanding balance I am aware of - though this XXXX be incorrect as I do not have current access to my statements online - again this is on Citizens to allow a service member adequate access to their information electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  - Balance : {$170.00} Account Name : XXXXXXXX XXXX XXXX  - Balance : {$600.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$2300.00}

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX of XXXX  my XXXX  XXXX Bankruptcy was discharged. I gave it a month or so before contacting Sheffield Financial to see why the 2 loans were still showing on my account with them and why they were not reporting properly to the credit bureaus. I was told twice it would be fixed and a letter would be sent to me confirming however account number XXXX & XXXX are still showing up as past due on their system and on my credit reports.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed 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

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to urgently request your assistance regarding an issue with my Experian credit account. Despite following all necessary steps to unfreeze my account online, I am facing a significant problem. 

I successfully initiated the unfreeze process on XX/XX/year> through my dashboard, which confirmed that the account had been unfrozen. However, when a financial service attempted to access my credit report, it was still showing as frozen. More than two hours have passed, and the financial service has confirmed that Experian has not processed the unfreeze request.

I attempted to resolve the matter by contacting Experians customer service, but my experience was unhelpful. The automated system informed me that no assistance could be provided at this time and ended the call. Additionally, when I tried to request a live agent, I was informed that only certain issues qualify for direct support, and my request was not granted. 

According to legal requirements, an online security unfreeze should take no more than one hour to reflect in credit reports. Given that this delay has far exceeded that time frame, I am facing potential financial harm. This situation is causing unnecessary stress and could result in significant financial burdens, which I find unacceptable.

I request immediate action to ensure that my account is fully unfrozen and that I receive confirmation of this. I also seek clarification regarding why this delay has occurred and what measures will be taken to prevent it from happening in the future.

Thank you for your prompt attention to this matter. I look forward to your timely 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 2024-12-13 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: TX

Complaint narrative:
I am contacting you regarding accounts on my credit report that have been marked as " verified '' and " updated, '' but I have not received any supporting documentation or proof to validate these accounts. 

Despite my request for verification, no evidence of these debts has been provided. This failure to provide proper documentation violates the following : FCRA Section 607 ( b ) : Information must be accurate and complete.

FCRA Section 623 ( a ) ( 5 ) : Disputed accounts must be marked as disputed.

FDCPA Section 809 ( b ) : Creditors must validate the debt upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: GA

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 USC 1681. 

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 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 2024-12-13 00:00:00
Product: Mortgage — Conventional home 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: MA

Complaint narrative:
On XX/XX/year> I filed a complaint XXXX XXXX  about Wells Fargo and their present lawsuit settlement and if we were involved in that settlement. A XXXX XXXX representing Wells Fargo contacted me on XX/XX/year> & XX/XX/year> & XX/XX/year>. After a brief conversation about how Wells Fargo was in fact guilty in our case with our mortgage, not helping in any way to help of us with a modification but on several attempts tried to foreclose on us. I read his response and it is absolutely false. XXXX XXXX on the behalf of Wells Fargo Bank , N.A . ... .XXXX XXXX XXXX XXXX is a third party loan servicer and on this date started the foreclosure process on our home XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I explained to XXXX XXXX... ..I have paperwork that states Wells Fargo Bank 's involvement of what they have been found guilty of and we are one of many victims. So, because he has responded on file stating that Wells Fargo has not serviced our loan/mortgage and I have evidence that they most definitely did I am seeking legal representation. The deadline for the settlement is approaching soon and we could really use some legal assistance in 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 2024-12-13 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX BANK XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXXXX/XX/year> 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 explanation
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
I am concerned about several accounts on my credit report that have been marked as " verified '' and " updated '' without any supporting evidence or documentation to confirm their accuracy. This lack of proper validation raises serious concerns about the reliability of the reported information. 

I previously requested validation from the data furnishers, but no sufficient documentation has been provided. This failure to validate the accounts is a clear violation of the following regulations : FCRA Section 611 ( a ) : Credit bureaus must conduct a thorough investigation when a consumer disputes information.

FCRA Section 607 ( b ) : Only fully verified and accurate information should be included in credit reports.

FDCPA Section 809 ( b ) : Creditors are required to validate the debt upon request, which has not been done.

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 2024-12-13 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: TX

Complaint narrative:
I am concerned about several accounts on my credit report that have been marked as " verified '' and " updated '' without any supporting evidence or documentation to confirm their accuracy. This lack of proper validation raises serious concerns about the reliability of the reported information. 

I previously requested validation from the data furnishers, but no sufficient documentation has been provided. This failure to validate the accounts is a clear violation of the following regulations : FCRA Section 611 ( a ) : Credit bureaus must conduct a thorough investigation when a consumer disputes information.

FCRA Section 607 ( b ) : Only fully verified and accurate information should be included in credit reports.

FDCPA Section 809 ( b ) : Creditors are required to validate the debt upon request, which has not been done.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XX/XX/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 - XX/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 non-monetary relief
Consumer complaint received 2024-12-13 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: LA

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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