vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: IL

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 the FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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 blocking 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 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 XXXXXX/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 2024-11-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
I was leasing a {$27000.00} car that ended up being a close account so they initially put {$27000.00} on my credit report but that total has changed three times and now its on my credit port for {$43000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). 

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status. 

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX XXXX Date of Birth : XX/XX/year>XXXX  Social Security Number : XXXX Please send all documentation via certified mail to the address listed above. I request written confirmation within 3-5 business days. 

My goal is to exercise my legal rights and protect my personal financial information. 


Thank you for your prompt attention to these matters. 

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied for the loan for an air conditioning system being installed at my residence on the XXXX of XXXX. Service Finance Company , LLC ( SFC ) was eager to release the funds and at the direction of air conditioning company released the funds. I was informed funds would not be released until I gave an ok. I verbally told SFC to not release the funds as the system was not functioning and they havent been able to correct. Im not receiving threatening letters that its still my responsibility to pay the loan.

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 2024-11-23 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: MI

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Judgments were granted in my favor in a court of law. I filed disputes with XXXX and provided copies of both court orders. Both accounts do not reflect the courts ruling on my credit report, which affects my credit score and my chances at obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: CA

Complaint narrative:
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Experian 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

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 2024-11-23 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: IL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX  Open/closed Closed Balance {$4500.00} XXXX Account number XXXX Date XXXX XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX  Open/closed Closed Balance {$4500.00} XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$4500.00} XXXX Account number XXXX Date opened XX/XX/XXXXXXXX  Open/closed Closed Balance {$0.00}

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 2024-11-23 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: CA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX a resident of XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXXsubmit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
XX/XX/XXXX, I mailed by certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) a mortgage payment to Fay Services in the amount of {$13000.00} to bring my mortgage account current. I communicated with a representative by the name of XXXX XXXX. The funds were received on XX/XX/XXXX, at XXXX. 
On XX/XX/XXXX, I spoke with VP Accounting Manager XXXX XXXX concerning receipt of the mortgage payment. and reinstating the mortgage account. I was informed an additional {$2100.00} payment, was required to reinstate the account to a current status. However, she would confirm and follow up with me. I did not receive a return call although I left several message s for XXXX XXXX for an update/confirmation. On XX/XX/XXXX, I received a call from a XXXX XXXX with instructions to wire {$2100.00} by XXXX to XXXX XXXX XXXX XXXX Ohio XXXX. When I contacted my bank to process the payment, there was concern due to the urgency I exhibited. I assured them I was in contact with my mortgage company. However, I was not able to wire the funds via the banks video banking option. I contacted XXXX XXXX about the issue. She noted she would follow up with me but never did although I called her approx 6-7+ times. Today, I received the {$13000.00} funds returned to my attention indicating the amount was not sufficient. Again, I left several messages for XXXX XXXX with no response. I plan to overnight the checks in the amount of {>= $1,000,000} on tomorrow. However, I would like your assistance in reviewing this issue as I feel there is non support and switch/bait as to how to retain my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
The debt collector XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX  stating that they are trying to collect a debt for Credit Acceptance Corp. The letter had a total amount of {$12000.00} owed to the creditor which is not correct.They are sending me threating collection letters about a debt that is not correct. I have notified them of this issue and my 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 2024-11-23 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: SC

Complaint narrative:
I am writing to address several concerns regarding errors I have encountered with the credit bureau. These issues include inaccurate account listings, unauthorized inquiries, incorrect credit reporting, billing discrepancies, and accounts that are not mine. 

I kindly request your assistance in resolving these matters to safeguard my financial stability.

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 2024-11-23 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: SC

Complaint narrative:
I am writing to address several concerns regarding errors I have encountered with the credit bureau. These issues include inaccurate account listings, unauthorized inquiries, incorrect credit reporting, billing discrepancies, and accounts that are not mine. 

I kindly request your assistance in resolving these matters to safeguard my financial stability.

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 2024-11-23 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: IL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2024, I deposited two checks from XXXX XXXX to chase bank. The ATM expressed it would be available for immediate withdrawal. Both the branch manager and the associate who assisted me verified that it showed it would be available for immediate withdrawal. Chase is holding the funds until XX/XX/XXXX XXXX  and has since restricted the account. 
Even though chase has verified the funds from XXXX  XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX they are not releasing the extended hold because 2 : one my account profile not strong to support item and my account is restricted due to overdraft despite depositing check on XX/XX/XXXX 
XXXX XXXXXXXX spoke with the back office to request for the restriction to be lifted on the check and chase said they would not despite receiving the funds from XXXX  XXXX as of XX/XX/. My account is negative because chase held the deposit and refused to decline a transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I would like to request a review and update all my credit reports in accordance with the information reported by XXXX, XXXX, and TransUnion. As of XX/XX/year>, XXXX have reported that i have no late payments on my account. I kindly ask that you update my credit report to reflect this accurate information, as it should align with the reporting provided by the above-mentioned agency. Please ensure that my credit file accurately reflects that I have not had any late payments and update it accordingly.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I would like to request a review and update all my credit reports in accordance with the information reported by XXXX, Equifax, and XXXX. As of XX/XX/year>, XXXX have reported that i have no late payments on my account. I kindly ask that you update my credit report to reflect this accurate information, as it should align with the reporting provided by the above-mentioned agency. Please ensure that my credit file accurately reflects that I have not had any late payments and update it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I did not authorize these companies to run my credit.

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 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Thursday I went to branch on XXXX XXXX XXXX to deposit a check from my family 's trust fund. The check was distributed by XXXX XXXX  however I had just opened my account days prior with Wells Fargo. I knew it could possibly be a complex issue with my out of state drivers license, it being a new account and the amount I understood what the process would be. When I went to teller I explained to her the situation and the amount of the check. I explained to her that I wanted to DEPOSIT it in my account. I told her I knew the process of holding the check to verify it and I am okay with that, whatever the time limit would be is fine. She ran my check thru the machine and stated they needed to call to verify it. I told her that was totally fine. The manager comes out to look at the check. Im explaining to her the same thing and she barely engaged with me, she wasnt welcoming at all. I had the feeling of discrimination. However I went against my gut. I waited for over 15 mins just to be told no one is picking up and they can not deposit my check. Im thinking the time of day maybe the verification team is on lunch. I came the next day right when they opened thinking its early and someone will answer when they call to verify it. Again the same teller that helped me the day prior said they would have to call to verify it Im like thats fine. She goes in the back 10 mins later she tells me no one is picking up. Im like really. I tried two other branches the XXXX XXXX XXXX by the XXXX XXXX and the one off XXXX XXXX in XXXX. I was treated the same I feel the manager at the XXXX XXXX branch flagged my account about the check I was trying to deposit. Yes I understand its a new account with no activity as well as the DL and the amount. However my account is open I have a legit DL and the check is legit. So why did yall make it so impossible to DEPOSIT a check that was written out to ME with my account in my name and hold the check until its verified?? Its fine though I got it handled. XXXX XXXX  on XXXX XXXX help me open an account and had absolutely no problem depositing my check. Ive closed my account this is the worst service ever. There are other reviews about discrimination from this particular branch. Legal action

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 2024-11-23 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: MI

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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