vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I was not aware of these annual fees, and this has been a poor experience told that they were waving it and has not. Been done took me serval phone calls to now reach out here to express my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We received a check from New Rez the beginning of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We told them we were not cashing it because they didn't have the correct assessment for the escrow account. We knew we would be short. We still have the uncashed check in our possession. Then the middle of XX/XX/year> they redeposited the money back into escrow ( XX/XX/year> ) but then withdrew it a few days later ( XX/XX/year> ). See enclosed payment history from NewRez.They are telling us that we called them and asked for the money to be resent so they sent us a new check for {$2200.00}, check number XXXXXXXX XXXX XXXXXX/XX/year>. They said we cashed the check on XX/XX/year>. We did not call them nor receive the new check. We asked for a copy of the cancelled check and they sent us a copy of a check that had void across the front and the back did not have endorsements nor any bank stamps showing that it had been cashed or processed at any bank ( attachment included ). We have confirmed with our bank they do not show any records of this check being deposited in either XXXX XXXX XXXX XXXX XXXX and the check would have their processing stamps on it if they had deposited or cashed it. 

I have tried talking to NewRez 4 times but have not gotten anywhere with them. They do not appear to have a copy of a cancelled check with any bank processing stamps on it. We just want the money put back into escrow where it belongs unless they can show us that we did receive it and cashed it and have forgotten that we did this. 

I know we are up in our years but we are not senile nor forgetful and do not believe we ever got the check nor cashed it and they can't prove to us that we did. I asked for a manager but they would only let me speak to the lead person and we got nowhere with him. We would like someone to intervene on this issue and assist us in putting it to bed once and for all. 

I did call XXXX XXXX XXXX XXXX and tried to see if they could send us a copy of the cancelled check but they said New Rez had to make the request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: FISERV FINXACT CORE
State: NC

Complaint narrative:
I was charged by ACH on XX/XX/year> for an XXXX XXXX, which was odd because I had not returned or place any orders since I cancelled my XXXX  XXXX  several months ago. I contacted XXXX by telephone on XX/XX/year> and they could not tell me what this charge was for. I received the attached email communication from TRS Recovery Services on XX/XX/year>. I asked for more information and they could also not provide any details. I responded to XXXX via email on XX/XX/year> and I also submitted a complaint via www.trsrecoveryservices.com/information-dispute/ to TRS Recovery Services. To my knowledge, they did not respond in 30 days as they stated they would. 

I received the same email from TRS Recovery Systems today, XX/XX/year>. 

I had previously been an XXXX customer for over ten years and I have absolutely perfect credit. I am very afraid they have me mixed up and I will be negatively affected, especially because they have access and are erroneously using my ACH bank information. 

I have asked repeatedly for information and when it has not been given, I have stated to stop contacting me.

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 2024-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: TN

Complaint narrative:
" American Coradius Incorp. '' placed a debt has already been paid by the XXXX XXXX  in TN. I have called the apartment complex multiple times and they have said they are not responsible for the collection account. I have provided copies of the payment receipts to multiple collection agencies. first they kept change the name of the agency now they are changing the name of the address where I supposedly owe and telling me its the same address. when I asked for an email to provide my documents for the account to be removed I was giving an email that no longer functions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was supposed to receive a deposit via an ACH transfer from the Social Security Administration for {$2900.00}. It was processed on XX/XX/XXXX and paid XX/XX/XXXX. The funds were not deposited. I called SSA and they confirmed it was sent and gave me a XXXX digit trace number as proof. They told me to contact my bank. I did, Truist told me to wait another XXXX hours. I did. I called again on XX/XX/XXXX @ XXXX. The rep I spoke to would only tell me my account had no pending deposits. I knew that. I asked them to look up the ACH trace number to confirm it did not go the institution. The said they could not do that and referred me back to the SSA. The SSA just keeps saying it was sent and my bank should be provided info based on the trace number. Truist reps keep saying they can not do that.

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 2024-09-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacting Equifax Mutiple times about these inquires on my consumer report and Equifax still has not fix the matter. It has been over XXXX XXXX months for XXXX fraudulent unauthorized inquiry,9 months for another fraudulent unauthorized inquiry, and 2 months for one last unauthorized inquiry. the inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have filled my 3rd ftc report regarding this matter I will be notifying the state 's general as well as the XXXX  of my experience with Equifax regarding this matter. These unauthorized inquires has caused pain to my life causing pain to the way I live. I did not want to send this compliant today but Equifax has left me with no other choice forcing me the consumer to contact the CFPB.I have copies of documents contacting the Equifax of this matter upon request I will provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 non-monetary relief
Consumer complaint received 2024-09-19 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: TN

Complaint narrative:
I have disputed SEVERAL time with Equifax concerning the same issue. I have a XXXX XXXXXXXX XXXX XXXX that went into default. They have reported the same account XXXX times on my report. Just for clarification, I have XXXX credit card with XXXX XXXX that went into default and is now being reported XXXX times. Same account number, may I add. I have disputed this several times advising them that they are duplicating the same account. I have always been advised that the information was verified and correct, which is completely inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-19 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to 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 2024-09-19 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: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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 XXXX XXXXXXXX XXXX # 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 2024-09-19 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Today, XX/XX/year> I reached out to Navient who currently manages my private student loans. I emailed them directly and requested an application for Navient XXXX XXXX discharge for my private loans. 

They first told me that I didn't have any loans with them. 

Secondly, I informed them that I had XXXX private loans with them and took a snapshot of my screen/portal and showed them the XXXX loans on their website that I had with them. 

Several hours later they told me that I could not receive an application because all of my universities were non profit universities. 

I don't believe this to be true and I consider it a lie and a tactic they are using. So I am filing this complaint in order to request an application for that I may apply to get my private student loans XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: GA

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-09-19 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: NJ

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief