vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. Someone from the executive level needs to contact me asap before forwarding to my attorney for litigation.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I created an account with Experian, a credit bureau, to put a freeze on my credit because I was suspecting my identity might be stolen at the time. 

On XX/XX/XXXX, I received an email notification from Experian that the credit freeze has been lifted per request. I called them and explained I didn't make such a request. This never happened before I didn't think of asking questions in details. I simply asked them to put the freeze back on. 

On XX/XX/XXXX, I received the same email notification from Experian that the credit freeze is lifted again per request. I called, and the agent told me she remembered a person calling in earlier that day verbally requesting the freeze to be lifted. This person had all of the personal information required to make such a request including my social security number. I used this information to file a report at the local police station. 

On XX/XX/XXXX, I called Experian again to alert my identity has been stolen and to notify that I filed a police report. The agent didn't provide sufficient response, just kept advising that I change my password and pin number. I repeatedly explained I already did, and wanted to speak to different department who can provide other solutions to further secure my account. The agent stated that she is not able to transfer me to a different department and kept repeated I change my password.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my LexisNexis consumer credit report sent to me via mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Debt isnt mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: MI

Complaint narrative:
I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to Equifax and XXXX requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

Equifax 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Niagara Central Revenue
State: FL

Complaint narrative:
on XX/XX/XXXX I was contacted by Niagara central revenue XXXX about a debt owed in my name. I asked for basic information such as their name and address, my original loan information and all of the associated with it such as what was owed. 

They tried to work out a payment system and then asked for my debit card information and when that happened I asked for the basic information that they are supposed to provide. Then they started getting rude and telling me I was gon na have all of my assets taken and I would be taken to court and sued. They wouldn't give me any information that I needed to verify the loan unless I gave them some sort of payment information. 

I only have XXXX car to my name that's worth {$500.00}. They are threatening me that they will take it and sue me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2024, I made a check deposit with a teller at Bank of America XXXX XXXX XXXX at XXXX, PA location. I was told {$220.00} would be available the next day and the rest available on XX/XX/2024. The next day on XX/XX/2024, my checking was overdrawn {$1600.00} and {$220.00} was missing. I couldnt get to bank because Im in training all day with my new job. I called on XX/XX/2024 XXXXXXXX XXXX the XXXX number, the gentleman couldnt find the original deposit, I gave him the all the numbers on the two receipts the teller gave me. He still couldnt find the deposit. Put me on hold came back and said its bank error. It should be resolved the next day. I asked him are you sure because my checking account is overdrawn {$1600.00} and my paycheck hits the account the next day. Your direct deposit should be fine. The next day on XX/XX/2024 my checking account is still overdrawn but now {$680.00}. Im devastated, I was explained this will be resolved and I would be able to receive my paycheck. I decided to go to my local branch Bank of America XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. The Assistant Manager XXXX XXXX and another gentleman overextended their efforts. She put my account in good standing and able to receive my paycheck. I was left no funds couldnt pay my bills or get anything to eat all day Friday. I was told from XXXX number and the chat line I would have to wait until Monday, XX/XX/XXXX after XXXX for the funds to clear. As of today still missing a check deposit. Unacceptable. The check deposit is a local check from XXXXXXXX XXXX Wheres the check deposit. I need assistance to resolve this matter now.

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 monetary relief
Consumer complaint received 2024-01-11 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: IL

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2024-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
My father passed away, I still live in the house. Freedom mortgage confirmed me as a successor in interest, the deed is now in my name. Freedom mortgage will communicate with my over the phone, but refuse allow me online access to access loan documents and make payments. They claim they will only allow me online access if I refinance 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 2024-01-11 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:
All account Types A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
To whom it may concern, I am writing the complaint in regard to a dispute charge that had been denied. Original charge on my credit card is {$1500.00} on XX/XX/XXXX. I started the dispute on XX/XX/XXXX. My dispute had been denied by Citi Bank on XX/XX/XXXX. I disputed a charge by a fraudulent moving company, XXXX XXXX XXXX XXXX. They charge {$1500.00} for a service fee. I had provided evidence that I had asked the company to cancel the service. But the fraudulent moving company, XXXX XXXX XXXX XXXX, refused to refund my money back. I started the dispute but Citi Bank does not resolve my issue and still help the fraudulent moving company, 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 monetary relief
Consumer complaint received 2024-01-11 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: PR

Complaint narrative:
XXXXXXXX XXXX XXXX Account # XXXX. This account was included in my bankruptsy case discharged on XXXX XXXX. This account was transferred or sold, however is showing on my credit report under a different account #, XXXX XXXX XXXX XXXX. Recently they added a balance owe as well.This is a form of terrorism to keep hurting my credit score. 

This is DUPLICATE account in my credit report that is causing double impact on my credit score. 

The personal information listed below requires attention as well. 

Inconsistence LAST DAY PAYMENT and LAST ACTIVITIES DAY are different on each credit berau, everything in my credit report have to be 100 % complete and accurate and those dates are inacurate.

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 2024-01-11 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Chime Financial Inc
State: CA

Complaint narrative:
I closed my account at Chime about a year ago and this company refuses to send me my closure check. I have made several attempts to contact and get a resolution but was always lied too by the agents. I have been going through this with this company for months and they have consistently harassed me with emails stating false information and protocol that they did not follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: CA

Complaint narrative:
I Have been A Victim Of Identity Theft.

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 2024-01-11 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 Have been A Victim Of Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2024-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
Inadequate loan payment due date notification. The notice was sent out on XX/XX/2023, for a loan payment expected by XX/XX/2023. The only notice received was the following : In XXXX, I received information about my PSLF certification, and then the bill information on XX/XX/2023. 

I emailed them and tried calling on XX/XX/2023, but was unable to get a hold of them due to a high call volume. I just received a notice today that they are still waiting to answer my request. This is unacceptable. They should be as responsive as they expect you to make your payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My mother XXXX XXXX is XXXX and not computer literate. Due to hacking she was offered free credit monitoring with XXXX which I signed her up for. On XX/XX/2023 XXXX notified her that a delinquent account was posted on Transunion. Transunion has XXXX XXXX posting a delinquent account from XXXX for {$32.00} in XX/XX/2023 that they ran up interest on to {$330.00} before they closed the account in XX/XX/2023. 
My mother does not have a XXXX XXXX XXXX and she has never received a bill from XXXX. Could you please help us find out what is going on here? My mother has never not paid a bill in her life and we have never heard of " XXXX XXXX ''. 
I tried disputing the claim with Transunion but within 24 hours Transunion came back with a verified as accurate and did not provide any documents. I helped my mother write a letter to XXXX XXXX and still have not received a response from that bank. The letter was sent on XX/XX/2023. 

XXXX XXXX for 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