vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: MD

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
They offered me a loan for {$2000.00} and I gave them my account and routing number. They wanted my banking login information and when I told them no they hung up on me. Now they won't answer.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
These inquiries on my accounts are not accurate I am writing to formally dispute several inquiries on my credit report that I believe to be fraudulent. After reviewing my credit report, I have identified unauthorized inquiries that I did not initiate or authorize. 


I have not applied for credit or engaged in any financial transactions with the aforementioned companies on the specified dates. It appears that my personal information may have been compromised, leading to these unauthorized inquiries. 

I request a thorough investigation into these matters and kindly ask that you promptly remove these fraudulent inquiries from my credit report. As per the Fair Credit Reporting Act, I am entitled to accurate and fair reporting of my credit history. 

Enclosed with this letter, please find copies of supporting documents, including any relevant correspondence and evidence that substantiates my claim of fraud. I also request that you provide me with a written statement once the investigation is complete, outlining the actions taken and the resolution of this dispute. 

Thank you for your immediate attention to this matter. I trust that you will handle this dispute efficiently and take the necessary steps to rectify the inaccuracies on my credit report. 

Sincerely, 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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
on XX/XX/2023 I made a payment to XXXX XXXX for {$2800.00} thru my XXXX XXXX account which had a balance of {$7700.00}, I was later told by XXXX that my payment was returned, than I made a replacement payment but by that time the account. 
had gone over 30 days, I contacted XXXX XXXX to find out why the payment was returned and they stated that they stared a fraud review and froze all out going payments from my account I than sent XXXX the latter from XXXX XXXX stating such and ask them to update my account to reflect that I made my payment on time but because of a technical issue at XXXX XXXX they returned the payment, but for the last three mouths they have been giving me the run around and have not corrected this issue which has ruined my credit and reduce my score by XXXX points.

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 2024-01-31 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I had cancelled my subscription for my mobile service in XXXX XXXX XXXX  and requested the final bill for XXXX and XXXX because I had switched carriers ( XXXX XXXX XXXX XXXX XXXX stopped sending me paper bills without authorization, ( I never gave them permission to bill me electronically ). In XX/XX/XXXX I began receiving daily phone calls and was told the amount was for the months of XX/XX/XXXX through XX/XX/XXXX, and the full balance for that amount was due {$500.00} and I informed XXXX XXXX XXXX they had continued billing me after the service was cancelled and I needed the bill adjusted to reflect the correct amount and to send me a paper copy of the bill, which they never complied. I told them I was on a fixed income and that I would pay XXXX XXXX  month until they resolved the disputed amount, just to stop them from calling me daily. I made three monthly payments via phone with a customer service representative and XXXX XXXX XXXX continued to call asking for an amount that was incorrect. I stopped paying the XXXX XXXX  monthly when I a customer service rep said that I had to pay the bill online, and stated that I had a right to view a statement/bill from them. XX/XX/XXXX XXXX XXXX XXXX sent the bill to Credence Collection agency and a negative collection report showed up on my credit history from the 3 major credit reporting agencies. I filled a dispute complaint with the Illinois Attorney General 'd Office online. I sent a certified letter to Credence Collection agency asking for a paper bill from the XXXX XXXX XXXX and that was disputing the amount in their correspondence. XX/XX/XXXX I received a notice from Credence that my dispute was " recalled '' by XXXX XXXX XXXX and that I had to speak with them directly if I had further questions about my account. XX/XX/XXXX, I contacted Credence and demanded the negative collection report be removed from my credit history, and I was told that they no longer had my account and that all inquiries should be directed to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was told that they would not remove the negative report on my credit file until I paid {$400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2024-01-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CADENCE BANK
State: TN

Complaint narrative:
I recently learned that when then Bancorp South foreclosed on my home and sold my house they received {$15000.00} more than I owed them. This was 2013. 
I owed them {$50000.00} and they sold the house for {$65000.00}. When I contacted the Lawyer that handled this foreclosure, XXXX XXXX, he told me to stop calling Cadence Banks President and get a lawyer and that he'd only speak to Attorney. 
I am a XXXX  and I can't afford a lawyer. I am owed this money and I expect them to give.me my money. 
It appears they stole my money. 
Also BanCorp South bought Cadence Bank so that is why the name changed.

Also, please see my previous complaints regarding this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TX

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: CA

Complaint narrative:
On Saturday, XX/XX/XXXX, I attempted to withdraw from my Laurel Road bank account- to which I have both a checking and savings account with. They locked my account from online access without notifying me. The phone number their system requested I call was not manned and went to voice mail. On Monday, they called me and requested I send documents to them - my ID, proof of direct deposit, and bank account statement from the bank I sent funds to. I provided these documents and called them, but they did not unlock my account, and told me it could take a week or more for the " relevant team '' to unlock my account. In this time, fund transfer requests from existing accounts that I had previously used with Laurel Road were rejected. I rely on the funds I have in Laurel Road to pay bills, and this lock time on my account with potentially over a week of waiting time is completely unacceptable and unwarranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year> I made a XXXX figure deposit into my checking account at chase. I was advised when I made the deposit that there would be a hold on check until XX/XX/year>. I called the bank on several occasions that the hold could be lifted and that I had to call back and Everytime I did I got nowhere. I advised that they could call XXXX first bc I had proof that the funds had been taken from the account but I think I am being jerked around. Now I want the account closed and they can not because the check is on hold. Well if the money is not at chase why can't they close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: OH

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 Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 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 2024-01-31 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: OH

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 Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Working with Mr Cooper we paid additional payments towards principal and they were applied as per request after multiple phone calls. The lowered principal allowed us to RECAST the mortgage and reduce our monthly payment to {$510.00} but the payments page still shows {$930.00} with an early payoff amount, even though Recast was approved an in effect for multiple years. We believe they have a obligation and a fiduciary responsibility to update the payments page and associated amortization schedule and it should accraturatly reflect the payments due after a Recast has taken place as new terms were sighed upon the Recast.

Multiple Requests have been sent to Mr.Cooper have been sent to various departments and have not had issue corrected. Is it just my case or is is a systemic problem for anyone who has had a Recast with Mr. Cooper Mortgages? People have a right to know how must principal and interest are applied each month, as well as, when their loan is expected to become mature with an accurate payoff date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I had an account with XXXX XXXX  card. I contacted and tried to dispute with XXXX  several times and even asked for a payment update because it showed different amounts on the 3 credit bureaus. I called them to close the account and was told I would have to make an payment to close it which I was okay doing but when it got time to make the payment the representative told me oh your case was transferred to another company and when the other company got on the phone they asked for my information in which I was sure they would've had it. It was XXXX XXXX which is a collection agency. I never received anything from XXXX XXXX saying they are the ones in charge of my collection or anything. I wouldn't even had known my case was transferred to them had I not tried to make a payment. I have tried many times to dispute this account because it has been very detrimental to me and my well-being XXXX as it has made my credit drop. 15 U.S.C 1681 section 602.A states I have the right to privacy and I feel my privacy was evaded by XXXX transferring my account without my knowledge then posting on my credit report. XXXX XXXX is trying to collect the debt but XXXX XXXX is reporting on my credit. Its too many discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian does not have my full credit history despite XXXX and XXXX having it and the bank ( XXXX ) confirming that they have sent the information to Experian. I have a line of credit thats been open for 4 years and it does not show up on my credit report with Experian which has severely impacted my credit score ( not scorable with Experian resulting in denied credit applications ). Multiple attempts have been made to resolve the issue. First called and they opened an investigation XX/XX/23. Was never contacted with results so I called on XX/XX/23 and they had no idea what I was talking about and I gave them the case number. A second investigation was opened on this date and I was given a case number and I have never gotten an update. I know nothing has changed and they havent fixed the issue because my credit report is still missing this line of 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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These inquiries on my accounts are not accurate I am writing to formally dispute several inquiries on my credit report that I believe to be fraudulent. After reviewing my credit report, I have identified unauthorized inquiries that I did not initiate or authorize. 


I have not applied for credit or engaged in any financial transactions with the aforementioned companies on the specified dates. It appears that my personal information may have been compromised, leading to these unauthorized inquiries. 

I request a thorough investigation into these matters and kindly ask that you promptly remove these fraudulent inquiries from my credit report. As per the Fair Credit Reporting Act, I am entitled to accurate and fair reporting of my credit history. 

Enclosed with this letter, please find copies of supporting documents, including any relevant correspondence and evidence that substantiates my claim of fraud. I also request that you provide me with a written statement once the investigation is complete, outlining the actions taken and the resolution of this dispute. 

Thank you for your immediate attention to this matter. I trust that you will handle this dispute efficiently and take the necessary steps to rectify the inaccuracies on my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief