vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 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: IL

Complaint narrative:
After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, dates last reported are inaccurate and a constant reporting of collection every month is inaccurate and illegal? This is grounds for removal. 
They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
If these accounts are not removed I will be reporting you to the XXXX and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, dates last reported are inaccurate and a constant reporting of collection every month is inaccurate and illegal? This is grounds for removal. 
They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
If these accounts are not removed I will be reporting you to the XXXX and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: NC

Complaint narrative:
XXXX XXXX account shows closed with balance of {$150.00} on my credit reports. I have made payment to XXXX XXXX XXXX. on behalf of XXXX XXXX in the amount of {$150.00},, Reference # XXXX, but has not resolved the issues as of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Was not receiving my Am Ex bill from local PO, which has been another problem in itself. Called AM Ex XX/XX/XXXX - was told I would be billed minus extra fees and charges. Charges totaled {$99.00} w/o fees. Received the bill, plus fees and charges for {$290.00}. on XXXX - called again on that date, and told again I would receive a bill for actual fees only by XX/XX/XXXX. Today is XX/XX/XXXX and I have not received a bill, and can not reach the company : they hang up on you now after you input your info using the keypad, same is you follow voice cues. I find this is a new thing companies are doing now - just hang up after asking for manual or voice inputs. Essentially, can't get ahold of companies now. Nice! 

Anything you can do to expedite this problem I would very much appreciate. This has RUINED MY stellar CREDIT rating. 

Thank you for any help you can provide. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I've made repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have had a severe impact on my life, generating substantial stress and worry. I must emphasize that I never authorized this information to be linked to my identity, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've made repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have had a severe impact on my life, generating substantial stress and worry. I must emphasize that I never authorized this information to be linked to my identity, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: PA

Complaint narrative:
XXXX XXXX XXXX place me with the credit bureaus XXXX, XXXX, Transunion as a debt and there is no balance owed to XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX dated XX/XX/year> showing a {$0.00} balance Policy : 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 2024-08-23 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: PA

Complaint narrative:
XXXX XXXX XXXX place me with the credit bureaus Equifax, XXXX, XXXX as a debt and there is no balance owed to XXXX XXXX XXXX. 

XXXX XXXX XXXX Letter dated XX/XX/2024 showing a {$0.00} balance Policy : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: MO

Complaint narrative:
. To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 15 USC 1681s-2 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. 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. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. Account XXXX XXXX XXXX. ( XX/XX/year>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 2024-08-23 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: VA

Complaint narrative:
I've made repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have had a severe impact on my life, generating substantial stress and worry. I must emphasize that I never authorized this information to be linked to my identity, as I am 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 2024-08-23 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: VA

Complaint narrative:
I've made repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have had a severe impact on my life, generating substantial stress and worry. I must emphasize that I never authorized this information to be linked to my identity, as I am 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 explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Was new customer. Open a checking account with company ( Huntington Bank ). They close my account without proper cause. Account was open on XX/XX/year> and closed on XX/XX/year>. A direct deposit amount of XXXX was deposited into the account on XX/XX/year> from employer ( XXXX XXXX ). Attempted to withdraw the amount in side branch. Was told that they couldnt release the funds. Account was closing and a cashier check would be mailed to me at the address I provided. Reached out numerous of times XX/XX/year> XXXX at XXXX spoke to someone by the name of XXXX XXXX who stated she will note the account and my cashier check should be on the way. Spoke to someone on XX/XX/year> at XXXX by the name of XXXX who also stated he will note the account and will reach back out to me in regards to the matter. Spoke to a supervisor on XX/XX/year> who said I should have received it however she could see that it is still in on hold in the close account. I have had hardship and went through a XXXX XXXX regards to this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-23 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: PA

Complaint narrative:
XXXX XXXX XXXX place me with the credit bureaus XXXX, Experian, XXXX as a debt and there is no balance owed to XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX dated XX/XX/year> showing a {$0.00} balance Policy : 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 2024-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
XXXX sent an account that was credit of identity theft to collection company XXXXr for {$1800.00} it was placed on my credit I contacted them and advised them this was incorrect and was a case of identity theft filed a complaint with my old email to CFPB and provided police report and ftc report they removed all for them to now come back with a different collection agency and place the same debt on my report again sources receivables acct number XXXX this was needs to be removed immediately its the same debt that has already been verified as identity theft and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I needed to pay a bill so I went into my Sofi banking app XXXX XXXX and logged in and when I did it said my account is restricted. I have called over 20 times, messaged them on social media and email and still have not got my account off restriction or been told why it got restricted in the first place. All of my money in my account is {$5900.00} and its not accessible to withdraw or transfer. 

When I spoke to security team on the phone all they say is wait for my review to be updated however, there is no given time frame and i desperately need my funds to eat and pay my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
We sent correspondence to Hyundai Capital America XXXX XXXX XXXX XXXX and they have not XXXX with pertinent information requested Including XXXX XXXX mail item number : XXXX dated XX/XX/year> asking for validation and to revoke any implied or expressed consent. The company did not respond with that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that XXXX fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XXXX XXXX Kia opened 2 car loans under my name instead of 1. I have called multiple times to Kia Finance and Kia XXXX XXXX to close the loan that I don't have ASAP and they haven't call me back or fix the issue. This is hindering my credit by having late payments for a loan that I should not have and they opened without my 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 explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Be advised that your claim is disputed and validation and proof of claim of the disputed debt are requested in accordance with the Fair Debt Collection Practices Act, 15 USC & 1692, and as amended by adding the following new Title 8 USC 302 et seg, and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of these work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the " debt '' by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
A refund in the amount of {$33.00} from XXXX XXXX was submitted to my coinbase card XX/XX/year> upon logging into coinbase a pop up says coinbase is experiencing delays with refunds meaning they have received notification of my refund coinbase has been saying this for months and people have not received their refunds for months up to a year

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Someone opened an energy account using my ss #! I live In Florida and not Texas where the company operates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with explanation