vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-21 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: CA

Complaint narrative:
XXXX  is reporting information on my account that was do to identify theft accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX buy law I have right to send documents showing that the accounts are fraudulent under lawsa ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
( XXXX ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: CA

Complaint narrative:
XXXX  is reporting information on my account that was do to identify theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX buy law I have right to send documents showing that the accounts are fraudulent under lawsa ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
( XXXX ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

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 2024-08-21 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: TX

Complaint narrative:
The late payments shown don't reflect my regular payment habits.

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: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: M1 Holdings Inc.
State: TX

Complaint narrative:
We have been attempting to withdraw {$91.00} to close our XXXX account with M1 Finance LLC ( " M1 '' ) and have been unable to do so as M1 has been refusing and therefore holding what is left of our funds, hostage. The primary method to withdraw funds is through the linked bank account connection. We have been unable to use this method as the current linked bank account has been closed. In order to update the linked bank account connection, M1 has changed to using XXXXXXXX XXXX XXXX third party company with proven questionable privacy history ( XXXX XXXX. XXXX XXXX. XXXX, XXXX ), to facilitate ACH ( Automated Clearing House ) transactions. We never agreed to use XXXX  and never received any notification for this functionality change. During the process of replacing the existing linked bank account connection, XXXX prompts for username and password for our bank login credentials. This is a severe breach of banking security to provide a third party access to one 's bank account. XXXX  provides an option for " Link with account numbers '' but after entering the new bank account 's routing number, it prompts for bank login and password credentials. We have attempted this with two different bank routing numbers and are both presented with prompts for our bank 's credentials. We attempted to transfer our account ( XXXX  ) to another institution on XX/XX/XXXX, and it was denied. We then contacted support on XX/XX/XXXX, and after several days of messages back and forth with a XXXX XXXX XXXX and even providing bank account statement for proof of ownership of the new bank account to link, request for manual linking of new bank account was refused, despite M1 having the ability to do so. During this time of M1 dragging their feet, they were able to deduct another {$3.00} for the Platform fee. Request to issue a check of remaining account balance was refused. M1 allegedly provides wire transfer as alternate method for transferring funds out of invest accounts ( XXXX XXXX XXXXXXXX ) but provides no mechanism for account holders to do so without contacting M1 and requesting it. We requested wire transfer out ( considering one of the documents we provided has wire transfer information ), but it too was refused. M1 now claims " Since wire transfers and issuing checks are not available, the only option to get the funds is to connect to a bank. '' Consequently, forcing us to use XXXX to do so when we never agreed to use XXXX  for continued use with M1. In sum, M1 is holding what is left of our funds of {$88.00} hostage and not allowing us to obtain these funds in order to close out our account. They have refused all alternate methods of funds withdrawals only to force us to use XXXX  and breach bank security policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Northern Trust Company, The
State: CA

Complaint narrative:
Recently while cleaning old papers, I came across a check from Northern Trust for {$1100.00} that was sent to our address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and which was to be paid to the order of XXXX XXXXXXXX XXXX. The check was dated XX/XX/year>. There was no endorsements on the back of the check. 

Background : This was a bank to bank transaction. 
I had remitted the money from my XXXX XXXX XXXX account to my XXXX XXXX in XXXX. 
Based on my intuitive understanding, I think that this transfer went through Northern Trust which was an intermediary at the time. 
For some reason, Northern Trust issued the check to XXXX XXXX services but sent it to us. 
Unfortunately, we were busy with home remodeling at the time and did not follow up with Northern Trust to understand why they had sent us the check. 

We recently came across this check and as a follow-up, 1. I called the number XXXX XXXX XXXX XXXX provided on the check. It is a bill-pay support service. They could not provide any help. 
2. I called Northern Trust based on information from the web but I reached their investment arm. They could not help and the person I spoke with told me that he was not aware of any department within his company who dealt with such transactions. 

As the money has already been withdrawn from my account at XXXX ( confirmed ) and has not reached XXXX, I trust Northern Trust is still holding the {$1100.00}. 

Currently, I have no idea on who to talk or how to resolve the issue. 

I will greatly appreciate your help in resolving this issue. 

Thanks

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 2024-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Sterling Credit Corp.
State: TX

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX, entered into a consumer credit contract with XXXX XXXX XXXX for the purchase of a vehicle with XXXX  : XXXX. As part of this transaction, I was required to make a down payment of {$XXXX}, which I paid in good faith. 

Over time, I discovered several violations of federal consumer protection laws related to this transaction. Specifically, XXXX XXXX XXXX failed to provide the necessary disclosures and falsely required a down payment. In addition, XXXX XXXX XXXX sold my personal information to XXXX XXXX XXXX without my consent, which led to further violations. 

XXXX XXXX XXXX subsequently engaged in fraudulent collection practices, demanding payments that I did not owe. This resulted in an overpayment of {$XXXX}. Moreover, they have fraudulently held the title to the vehicle, preventing me from exercising my rights as the rightful owner. 

Despite my repeated efforts to resolve these issues, including sending multiple letters to both XXXX XXXX XXXX and XXXX XXXX XXXX, the following actions have occurred : XXXX XXXX XXXX : They have removed the debt from my credit report but have failed to return the {$XXXX} down payment that was illegally obtained. 
They have also failed to release the title of the vehicle, which is currently held by XXXX XXXX XXXX under false pretenses. 
XXXX XXXX XXXX : They have not refunded the {$XXXX} that was fraudulently collected. 
They have continued to hold the vehicle title illegally, preventing me from gaining full ownership rights to the vehicle. 
On XX/XX/XXXX, I sent a final notice to XXXX XXXX XXXX, demanding the return of the {$XXXX} and the release of the vehicle title. I gave them 15 days to comply with this request. On XX/XX/XXXX, after receiving no satisfactory response, I sent an " XXXX XXXX XXXX '' letter to XXXX XXXX XXXX, reiterating my demands and informing them that I would pursue legal action if the issue was not resolved. 

Despite these formal communications, XXXX XXXX XXXX has failed to address my legitimate concerns. The lack of action on their part has caused significant financial and emotional distress, as I am unable to exercise my rights as the rightful owner of the vehicle.

Company response to consumer: Untimely response
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
According to the fair credit reporting act ( fora ) section 605B. It is illegal to report information on my credit report without my permission. please remove item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed some unauthorized accounts on my credit report that are impacting my credit score.

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 2024-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/year>, I called equifax customer service to inquiry on why my equifax credit report is not available to lenders. They reviewed my account and told me I did NOT have a freeze on my report so the lenders attempting to pull my report are the issue. When I asked for a supervisor I was placed on hold and then disconnected. 

On XX/XX/XXXX and XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  all attempted to pull my equifax credit report and all responded with the same issue. My equifax credit report is not available due not enough established credit reporting. 


I called XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX and they all confirmed they are reporting my credit accounts to equifax monthly for the past couple of years. 

I can not close on my house loan until equifax fixed whatever the issue is and allows my equifax credit report to be accessed by their lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ready Capital Corporation
State: LA

Complaint narrative:
My GMFS mortgage was purchased or transferred/taken over by XXXX XXXX. I had bill payments set up in XXXX XXXX Checking account. When I received noticed that payments would need to be mailed to a different location, I first verified that in fact it was being transferred. Then I went into my XXXX XXXX online bill pay and changed the address and name for future payments to be sent to the new mortgage holding company. This edit was made by me within bill pay between XXXX XXXX, approximately XXXX weeks before the XX/XX/XXXX scheduled payment. My bank, XXXX XXXX, did not complete my updates and instead wired mortgage payment to XXXX, XXXX address. XXXX XXXX, I receive a notice from XXXX XXXX that I was behind by XXXX payments. They had not received XXXX nor XXXX payments. I made an additional payment on XX/XX/XXXX, so my mortgage would not have late fees. I contacted and filed complaints with XXXX XXXX multiple times to try to resolve the issue of the missing taken from my account XX/XX/XXXX payment. I have called the new mortgage company XXXX XXXX multiple times to try to resolve the issue. XXXX XXXX tells me XXXX had XXXX days to forward funds. Last time I called XXXX had forwarded the XXXX XXXX payment, but not the XXXX payment. XXXX days has passed. I have also been told that I should contact GMFS. However, the numbers given do NOT answer. There is NO one to contact at XXXX. XXXX XXXX has NOT taken responsibility for trying to get my money back when they made the MISTAKE of NOT updating the payment information that I updated in XXXX well before the XXXX payment. XXXX is ILLEGALLY holding on to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I established an American Express Business Checking account using the following promotion ; American Express is offering a bonus of XXXX Membership Rewards points when you open a new business checking account and complete the following requirements : Deposit {$5000.00} within 30 days of account opening Maintain an average balance of {$5000.00} for 60 days after account opening Make XXXX or more qualifying transactions within 60 days of account opening ( qualifying transactions are mobile deposits, and electronic/online transactions including XXXX, Wire, and Bill Payments ) I deposited $ XXXX in my account within 20 days, maintained the $ XXXX for XXXX days and made XXXX or more transactions within 60 days. I noted the qualifying transactions and the eventual withdrawal. However, AMEX never deposited XXXX Membership Rewards points to my account. 
XX/XX/XXXX - Withdrawal of - {$5000.00} XX/XX/XXXX - XXXX Debit for - {$1.00} XX/XX/XXXX - XXXX XXXX for - {$1.00} XX/XX/XXXX - XXXX XXXX for - {$1.00} XX/XX/XXXX - XXXX XXXX for - {$1.00} XX/XX/XXXX - XXXX Debit for - {$1.00} XX/XX/XXXX - Deposited {$5000.00} XX/XX/XXXX - Opened Account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Its accounts and loans open under my name and social that are unknown that I did not open. 

I disputed the items that are unknown, and the items are still on my credit report from all three bureaus.

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 2024-08-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Its accounts and loans open under my name and social that are unknown that I did not open. 

I disputed the items that are unknown, and the items are still on my credit report from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation I would like this item immediately re investigated this is highly injurious to my credit score. XXXX XXXX XXXX accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me and updated copy of my credit report after your reinvestigation

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