vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( Section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2024-07-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Real Time Group, Inc.
State: AZ

Complaint narrative:
I saw a report on XXXX XXXX about zombie 2nd mortgages & felt I needed to submit a new complaint. I have been a legal assistant in AZ for over 30 years. I filed XXXX XXXX XXXX in XXXX & received a discharge in XXXX. During my XXXX, my XXXX ( $ XXXX ) & XXXX ( $ XXXX ) mortgage servicer ( XXXXReal Time Resolutions ) foreclosed & was required to reverse the foreclosures. I never received any supporting docs about the fees charged. The Judge ordered me to modify the XXXX & they added more fees. In XXXX, I got divorced and sold my home. Real Time charged me over $ XXXX in default interest on my $ XXXX HELOC. I want people to know what these crooks do to collect their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: NV

Complaint narrative:
The investigation that was ran did not address the FACT THAT I DID NOT EVER ENTER A DISPUTE FOR XXXX VERBALLY OR IN WRITING EVER! THE ONLY DISPUTE I MADE WAS FOR XXXX, XXXX, AND TWO OTHER AMOUNTS UNDER XXXX. I NEVER EVER DISPUTED XXXX!!!! A WEEK LATER I FOLLOWED UP TO SEE WHAT THE RESOLUTION WAS REGARDING THE FOUR AMOUNTS I DID DOSPUTE FOR A TOTAL OF XXXX DOLLARS, AND NOTICED A DISPUTE ALSO FOR XXXX!! I DID NOT DO THIS AND I IMMEDIATELY CALLED TO CLARIFY I NEVER DID ANYTHING OF THE SORT AND WAS TOLD TO DISREGARD IT, " IT WAS A MISTAKE! '' I COULD NOT BELIEVE IT. BUT I THOUGHT MISTAKES ARE MADE. THE INVESTIGATION THAT WAS RAN WAS ONE THAT STILL ASSUMED I MADE THAT DISPUTE AND I NEVER EVER DID THAT!! AGAIN WHEN I CALLED TO PROTEST ANY SUCH THING WAS TOLD TO DISREGARD IT AS IT IS A MISTAKE. THEN A WEEK LATER XXXX IS TAKEN OUT OF MY ACCOUNT. AND IT WAS TAKEN FROM THE XXXX XXXX XXXX SENT TO ME INTENDED TO GO INTO MY CASH APP ACCOUNT! NOT MY CHIME ACCOUNT USING MY CASH TAG $ XXXX, but Chime WOULD NOT RELEASE the XXXX WHEN XXXX XXXX EMPHASIZED USING MY CASH TAG FOR CASH APP, by way of pay anyone, that Chime deposited into my chime because it was sent from a chime account, intended to be deposited into my cash app account. But Chime would not direct the deposit where it was intended to go in order to keep the XXXX and took XXXX our rent money to satisfy a dispute I never ever made. What kind of business is that? Honorable? Absolutely not then politely close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: NY

Complaint narrative:
I recently checked my credit report I noticed that I have been a victim of identity theft numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAN YOU PLEASE REMOVE THESE FRAUDULENT INQUIRIES OFF MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( Section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2024-07-25 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I AM ID THEFT AND MY XXXX  XXXX DID NOT NOTIFY ME OF ALL TH EINQUIRES AND KNOWLEDGE OFF MY PERSONAL INFO BEING USED OVER AND OVER. SET UP NEW ACCOUNT ONLYUY TO HAVE THAT ONE HACKED ONLINE. I ASKED TO TAKE ONLINE APP DOWN BUT DIDNT AND ALSIO DID NOT CHANGE EMAIL ADDRESS THAT WAS COMPRIMISED AND WAS LEFT ON ACCOUNT AND I RECIEVED DOCUMENTS ARBRITRATION BUT PART IOF LETTER PARAGRAPHS WERE EARSED AND NO EXPLAINION. I JUST WANT TO FEEL SECURE AND TO HAVE ANY AGENCY PLEASE HELP ME IN GETTING SAFELY BACK ONLINE AND TO STOP BEING Hacked and compromised as its getting to me and i want to feel protected as now i keep everything here and want all communication mailed like old way and its a shame and i want to know what is going on and help to fix the errors and to secure my account. I HAVE TO GO INSIDE THE BRANCH EVERYTIME AND I GET TREATED AS A PAIN IN THE WOOOHAA AND I AM THE VICTIM AND MY TIME IS NOW ONLY SPENT DOING DAMAGE CONTROL AND MY BANK SHOULD OF ALERTED ME WHEN IT STARTED BACK IN XXXX  ALL THE INQUIRES MADE TO THE SAME PLACE OR MANY TIMES OVER SHOULD OF BEEN NOTIFIED SO I COULD OF GOT TO IT SOONER. I HAVE NOTHING NOW AND STARTING OVER WITH A SON AND I HAVE HEALTH ISSUES AT THE MOMENT I NEED TO CARE FOR AS WELL. NO HELP OR ASSISTANCE OR KINDNESS FROM MY FINACIAKL INSTITUE WHEN I NEEDED THEM THE MOST.

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 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
The FDCPA prohibits debt collectors from using false or misleading representations to collect debt. This includes claiming you owe a debt that is not yours. 

The Fair Debt Collection Practices Act ( FDCPA ) is codified in Title 15 of the United States Code, specifically at 15 U.S.C. 1692. The section that addresses false or misleading representations is 15 U.S.C. 1692e. This section prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mobiloans, LLC
State: KS

Complaint narrative:
I have had stolen identity multiple times and I do not recall getting the XXXX. I have requested a debt Validation report and the company. They are asking me for the information to validate the debt. I have an email from them stating that they can not validate the account with the information I did. Since requesting the debt validation report, they have refused to have any more contact with me has increased the balance of my closed debt on my XXXX XXXX report.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank forcefully closed my credit account and is denying me access to use my available credit limit. Despite making regular monthly payments and having available credit, Citibank has closed my account without proper justification and continues to demand payments from me. This action is causing significant inconvenience and financial distress. 

I have attached a screenshot as proof of my payments and available credit. 

I request the CFPB to investigate this matter and take appropriate action to resolve this issue, ensuring that I regain access to my available credit and that Citibank 's actions are corrected. 

Thank you for your assistance.

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 2024-07-25 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( Section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

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 2024-07-25 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-07-25 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 consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: NY

Complaint narrative:
I recently checked my credit report I noticed that I have been a victim of identity theft numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAN YOU PLEASE REMOVE THESE FRAUDULENT INQUIRIES OFF MY CREDIT REPORT

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 2024-07-25 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: NY

Complaint narrative:
I recently checked my credit report I noticed that I have been a victim of identity theft numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CAN YOU PLEASE REMOVE THESE FRAUDULENT INQUIRIES OFF MY CREDIT REPORT

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 2024-07-25 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have had stolen identity multiple times and I do not recall getting the XXXX. I have requested a debt Validation report and the company. They are asking me for the information to validate the debt. I have an email from them stating that they can not validate the account with the information I did. Since requesting the debt validation report, they have refused to have any more contact with me has increased the balance of my closed debt on my Trans Union report.

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 2024-07-25 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
This wheels holding account was always paid on the XXXX Wednesday of each month, the creditor was informed to avoid marks on my credit and apparently they did not attend to my request, I am a XXXX pension from social security. I recognize that there have been some delays due to health conditions of mine and my spouse. Also in XXXX XXXX, a hurricane affected us in XXXX, which left me without basic services such as electricity for 100 days and because of that, some expenses had to be incurred. unforeseen to be able to keep my medical equipment working, which I depend on to be able to sleep, I want those late payment marks removed so that my credit score goes up and I do not appear as a delinquent debtor, since I have to buy a new vehicle and thus have a better interest in financing.I also called customer service to schedule the payment and the customer service staff who assisted me were told the date of payment, which would be the XXXX Wednesday of the month, and they did so on the XXXX Wednesday of the month, therefore, a late payment and also a mark for sending the payment of an account without funds, for these reasons my credit has been affected and due to this inconvenience it is becoming difficult for me to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

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 2024-07-25 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: RI

Complaint narrative:
I file dispute after dispute is taking way to long for the company to act. For my dispute I want letter of debt validation not statement or a bill I want a written contract

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: RI

Complaint narrative:
I file dispute after dispute is taking way to long for the company to act. For my dispute I want letter of debt validation not statement or a bill I want a written contract

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 2024-07-25 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: MI

Complaint narrative:
Equifax continues to exhibit a consistent pattern of willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite receiving multiple dispute notifications and clear evidence of misleading information reported, Equifax has repeatedly failed to conduct proper ( re ) investigations as required under 15 U.S.C. 1681i. Furthermore, Equifax has failed to implement and maintain processes and procedures to ensure maximum possible accuracy in the credit files it maintains regarding Consumer, as required under 15 U.S.C. 1681e ( b ). Equifax has also failed to correct or delete information it could neither verify nor correct for the XXXX XXXX ( XXXX ) account/tradeline, in violation of 15 U.S.C. 1681i ( a ) ( 5 ). 

Between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, Equifax received several detailed dispute notices from Consumer apprising Equifax that the collection account needed to be removed due to both FCRA and FDCPA violations. After conducting an investigation and reinvestigations, Equifax continues to persist in reporting the false, misleading, inaccurate information in the files Equifax maintains regarding Consumer. Most alarming is that on XXXX XX/XX/XXXX, the Collection agency noted it would " begin its investigation shortly, '' yet Equifax purports to have finished its initial investigation and reinvestigations by XXXX XX/XX/XXXX. A subsequent reinvestigation by Equifax on XXXX XX/XX/XXXX ( XXXX ) concluded on XXXX XX/XX/XXXX with no reasonable reinvestigation conducted and perpetuation of the XXXX account/tradeline without a Date of First Delinquency ( removed on or around XXXX XX/XX/XXXX in response to myEquifax Dispute Confirmation XXXX ). 

Under 15 U.S.C. 1692g ( b ) of the FDCPA, when a Collection agency receives a dispute notice from a Consumer regarding the alleged debt, the Collection agency is required to cease all collection efforts UNTIL the debt can be verified and validated. Thus, as the alleged collection item has neither been verified nor validated by the Collections agency, and Consumer has filed a direct dispute to which the collections agency has responded stating it will " begin its investigation shortly, '' it is unlawful under the FCRA and FDCPA to report the collection item in credit files Equifax maintains regarding Consumer. The information is misleading in such a way and to such an extent that it [ could have been ], expected to have an adverse effect [ on the consumer ] ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX Cir. XXXX ) ). Consequently, Consumer has suffered harm.

Company response to consumer: Closed with explanation