vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have tried to access my Equifax credit bureau account with my proper user name and password well over a dozen times. The Equifax website gives me a message stating it is unable to grant me access at the time. I have also tried using their account recovery option that is linked underneath the login window, and get the same message. I've called Equifax three times to try having them email me a password reset link. All other financial businesses have this service. The first time I called, I was told by Equifax that they will escalate my request up the tier and someone will get back to me. I've waited a long while but never got called back. The second time I called Equifax they told me my login wasn't working because I must be behind a VPN. I disabled my VPN ( which makes me less secure ) and tried to login again without success. I called a third time and they told me it must be the browser I was using. I could have been using any browser as far as they knew! However, I told them I was using XXXX and they asked me to try multiple other browsers to " make sure '' if that was the issue or not. At this point, it has become clear to me that they do not want consumers to have access to our own account to control out own accounts. This is a security issue, because I need to freeze and unfreeze my account at times. I also need to update the password at least once a year to make things more secure. Why are they making MY OWN credit information less secure? Why are they keeping me from my own information? No other credit bureau does this disservice to consumers. Please, please, please .... can someone investigate Equifax before they have another XXXX XXXXssue or worse!? Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: AR

Complaint narrative:
I paid off my XXXX XXXXXXXX on XX/XX/XXXX of XXXX. On XX/XX/XXXX I received an email from XXXX  around XXXX stating they needed to receive a payment of {$1100.00} before XXXX XXXX XXXX  or they would report a 30 day late to my credit report. 

On XX/XX/ around XXXX XXXX I received an email from XXXX stating thank you for your payment of {$57000.00} which was made on XXXX XXXX XXXX 

Since my payment was received prior to XX/XX/XXXX no delinquency should have been reported per their email. Attached please find both emails.

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 2023-12-05 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: 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 2023-12-05 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$180.00}, {$180.00}, {$180.00} ( XXXX, XXXX, XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$2800.00}, {$2800.00}, {$2800.00} ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed- {$560.00}, {$560.00}, {$560.00} ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX Balance Owed {$4200.00}, ( XXXX ONLY ) XXXX- Account # XXXX, Date Opened XX/XX/XXXX, Balance Owed {$220.00}, XXXX XXXX ONLY XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Balance Owed {$130.00}, {$130.00}, {$130.00}, ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, ( XXXX and XXXX ) XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed {$410.00}, {$410.00} XXXX {$410.00}, ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, {$0.00}, ( XXXX, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: Self Financial Inc.
State: NC

Complaint narrative:
XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$180.00}, {$180.00}, {$180.00} ( XXXX, XXXX, XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$2800.00}, {$2800.00}, {$2800.00} ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed- {$560.00}, {$560.00}, {$560.00} ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX Balance Owed {$4200.00}, ( XXXX ONLY ) XXXX- Account # XXXX, Date Opened XX/XX/XXXX, Balance Owed {$220.00}, XXXX XXXX ONLY XXXX XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Balance Owed {$130.00}, {$130.00}, {$130.00}, ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, ( XXXX and XXXX ) XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed {$410.00}, {$410.00} XXXX {$410.00}, ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, {$0.00}, ( XXXX, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: M&T BANK CORPORATION
State: FL

Complaint narrative:
M & T bank, XXXX, XXXX and XXXX are violating 15 USC 1666b. These companies are reporting inaccurate late payments on my consumer 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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital one and I agreed on a set payment date. I'm still getting automated responses threatening me to pay. What gives?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: TN

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-12-05 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:
Transunion, XXXX and XXXX are reporting lots of inquiries and negative accounts on my consumer report that i did not authorize or give permission to furnish on my consumer report i have not benefited from neither inquirie yet they put it on my consumer report causing damage to my life according to the FCRA unauthorized must be removed immediately according to 15 USC 1681b ( a ) ( 2 ) they must have my written instructions to furnish a report on me also 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 )

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 2023-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Here is a copy of a phone call I received from speedy cash. 

Need to pay or going to XXXX - pressing charges within 48 hrs. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( speedy Cash )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I need to reopen and add additional information to complaint XXXX, and would like it escalated to a manager. BMO AKTO called me and actually stated they do not have to offer any review process and can deny my attempt to pen a CD literally for discriminatory reasons, and do not have to specify what they are to allow me any way to respond at all. This bank should have its charter revoked, and the CFPB is doing nothing but file away complaints without ever doing anything. I would like the history of this matter reviewed in detail. 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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear Transunion To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : 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 2023-12-06 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX, XXXX, I XXXX I XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$6.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-12-05 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: OH

Complaint narrative:
Hello, I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I`m writing to you today due to the fact that after reviewing my credit report. I found errors dealing with fraudulent accounts that are hurting my good name as well as inaccurate late payment reports. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the collection account section of my credit report, closed account section and inquiry section. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this. 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 non-monetary relief
Consumer complaint received 2023-12-05 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: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-05 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: CA

Complaint narrative:
I filed a report at the government website, identitytheft gov and i sent it to the bureaus. my credit report had fraudulent accounts. The accounts where removed, but a few weeks later they where placed back again. I filed another report at the goverment website. i also was made aware that my information was leaked during an equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
This company is harrassing me texting my phone looking for someone else. I want them to stop. Leave me alone my name isn't XXXX. I've told these vultures before to stop contacting me and they don't listen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: MO

Complaint narrative:
Experian has closed another XXXX complaints today without addressing the issue instead they give explanations that are completely absorbed and has absolutely nothing to do with the problem which is they NOW HAVE STOLE 18 months of on time never late payments to XXXX and refuse to give them back

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 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALPHA MIDCO INC
State: IL

Complaint narrative:
I went to check my credit report and XXXX and associates was on my credit report. The original creditors is listed as XXXX XXXX XXXX XXXX. The date reported is XX/XX/2023. The amount is {$1200.00} dollars. I never applied or heard of this company. I did not receive a loan on my behalf in my name nor social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: IL

Complaint narrative:
On or around XX/XX/23, I attempted to pay my regularly scheduled mortgage payment at XXXX XXXX XXXX, only to discover that the website was down and was down for approximately 10 days with NO explanation from the company or its parent company. Online searching revealed that the parent company experienced a cyber-attack and ransomware was involved ( XXXX XXXX XXXX Hit By Cyberattack XXXX  ( XXXX ). However, NO communication was provided to me as a consumer. 

On or around XX/XX/23, the online account system ( www.myloancare.com ) was brought online. I made the first attempt to submit a payment and received an error message indicating that the payment was not successful. I tried again and received a payment successful notification. 

The payment was a successful XXXX debit on XX/XX/23. On today, XX/XX/23, another XXXX debit was made ty account and threw my account balance in the XXXX. I immediate called Loan Care at XXXX ( approximately XXXX AM XXXX ) and I spoke with XXXX. XXXX informed me that she could see the duplicate payment in their system and that their IT department is aware of the issues with the payments BUT : XXXX. They DO NOT do wire transfers ; XXXX. I would need to request payment research to be conducted which would take XXXX days to process and include proof the duplicate payment that she could already see ; XXXX. It would take XXXX days to receive a PAPER check. 


This is unacceptable!!! IF they can ACH debit to take my money, then they should be able to ACH credit my account to return my money. I am being seriously inconvenienced through NO FAULT OF MY OWN.

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