vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have recently been trying to improve my credit score so I can get approved for a mortgage. I checked XXXX XXXX this morning and noticed Equifax had deleted the information from my car loan XXXX XXXX Acct number XXXX XXXX overnight. I contacted Equifax and they told me to contact my lender. However, my lender said they have never heard of this issue before and they are reporting this to all 3 credit bureaus every month you will see attached documents which show how it was on my Equifax report prior to them removing it and a statement which states they report to all 3 credit bureaus and this was on my credit report prior to XX/XX/2022. XXXX XXXX has reported payment made in XXXX and Equifax is still updating their credit report. This error has made my credit score drop XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX I was notified XXXX XXXX report 30 day late in XX/XX/XXXX to credit bureaus. I contacted XXXX to get this resolved for several days from XXXX XX/XX/XXXX and submitted a dispute to Transunion on XXXX and to XXXX on XX/XX/XXXX. 

It is very difficult to speak with someone at XXXX on the mgmt team, resolutions team and the US corporate office. I have only spoken with customer service located in XXXX. I have sent several emails to resolutions team however there is no ph # to speak with a human. 


My acct was paid several months ahead periodically, the account has never been late. 

I received an email from resolutions on XX/XX/XXXX indicating the correction would be submitted to the bureaus XXXX. 

XXXX I emailed XXXX XXXX XXXX to get a status on the correction. 
I then contacted Transunion and was advised a XXXX Representative, XXXX, verified the accuracy of the late pmt on the account on XXXX. I completed a conference call with Transunion Customer Relations Supv-XXXX and XXXX Customer Service Rep-XXXX XXXX XXXX indicated that he would contact a supv and get back with me. Transunion has indicated that the creditor has the ability to update the account electronically and update on their end same day. 

XXXX never showed the XXXX account as reporting, however I rec 'd notification on XX/XX/XXXX the acct reported late in XXXX. XXXX has not received any correction request from XXXX XXXX XXXX XXXX XXXX responded back indicating that the correction was submitted on XXXX. I responded back indicating the conversation that I had yesterday with Transunion and XXXX Customer Service Rep and that I need to speak with a supervisor. I called XXXX and there is no other ph # than the one that transfers you to a Customer Service XXXX in XXXX who can not assist with this matter. This is not acceptable to have a US based company however can only speak with XXXX in XXXX and unable to speak with anyone with authority to resolve the issue. 

XXXX is showing my dispute still in process This has caused my credit scores to drop significantly and causing stress and financial hardship. Also, I did not give this creditor authorization to report this account nor transaction history to my consumer report based on USC 15 1681, USC 15 1666b

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 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Mailed a corporate check for {$88000.00} to XXXX on XX/XX/XXXX. 
Check was intercepted in the postal system and then presented at TD bank in XXXXXXXX XXXX  on XX/XX/XXXX. 
The check had been washed but only the name of the addressee had been changed. 
No changes to : pay to, amount, check number. 
TD took the check on deposit for a new account. TD called to inform us that they thought this might be a fraudulent transaction. Unfortunately, because the teller took the check into TD bank even after realizing it was fraudulent my funds were transferred to TD bank. 
I now had to start the process of police reports, affidavits from both me and our payee in XXXX. 
I was told by my bank, XXXX that all I could do was provide any documentation requested and wait. 
XXXX XXXX informed me on XX/XX/XXXX that TD had been informed and that TD had 90 days to respond. 
I did finally get my money back on XX/XX/XXXX. 
Because it was such a large sum I had to access our corporate LOC for operating capital at a cost of $ XXXX week interest. 
This is all the result of a bank employee at TD bank in XXXX XXXX  not handling the transaction correctly and taking funds clearly not designated to this customer and appearing fraudulent into deposit. The result was a lot ofXX/XX/XXXXand {$1600.00} in unnecessary interest expense with no communication and no recourse to TD bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a corrected 1099r from Truist for my annual Ira Distribution. The following day I returned to Truist in XXXX, Florida to find out if the distribution was transferred into my Truist checking account. The Bank Officer could not locate where my distribution was transferred and ask that I leave my phone number and he would get back with me. To date I have not received a call back from Truist. Please help me to locate my money. 
Respectfully XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

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 # XXXX, opened XX/XX/XXXX Account name : XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX  XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX  XXXX XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX, account # XXXX, opened XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 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 for more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer relating 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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

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 # XXXX, opened XX/XX/XXXX Account name : XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX XXXX  Last four digit of the account # XXXX, opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXXXXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX, account # XXXX, opened XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 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 for more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer relating 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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: DE

Complaint narrative:
Kia Finance is showing me as being delinquent. It is showing as its being closed however, its still showing as I had months of unpaid. I understand that there was a investigation going through with us with the credit bureau and Hyundai however it was done 60 days after XX/XX/XXXX of XXXX. As my credit was ran, Kia finance is still showing up on my credit and its saying that it will not fall off until XXXX however, with that being said, my credit is being affected because of this. It is still showing as is I miss months of payments even though my account was paid off on XX/XX/XXXX of XXXX. I contacted Kia finance not so long ago and advised them of my situation, however they stated that a memo or a letter would come to my house for me to send to the credit bureaus but, I never received such letter in order for me to send to the credit bureaus. Because of this, my credit is being affected, and I am not able to have my credit run or used to buy a house. Please Advise and thank you for helping me with matter

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 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fold, Inc.
State: TX

Complaint narrative:
I have a Fold, Inc debit card account which is serviced by XXXX XXXX  and offers XXXX rewards. On XX/XX/2023 Fold locked my account and have refused to communicate since despite several support tickets and phone calls all of which have been ignored. My balance on the card is now unavailable and the app will not allow me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
I BEEN CONTACTING CHEX SYSTEM ABOUT THESE FRAUD 5 BANK ACCOUNTS FROM XXXX XXXX XXXX XXXX .I SENT IN DOCUMENTS TO HAVE THEM REMOVE BUT THEY NEVER REMOVE THEM. THEY EMPLOYEE HAVE LIED TO ME SEVERAL TIME ABOUT COMPUTER DATA ISSUE BUT IM STUCK WITH THESE ACCOUNTS ON MY FILE AND ITS EFFECTING MY LIVELYHOOD AND MY FAMILY.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  debt buyer, Has violated my right. 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 602 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. this account still show revolving and charge off in my credit report and this needs to be removed by law been incorrect information and dates. also it was reported as late payments for many months even though they knew i was going through bankruptcy, they improper used my credit report and this accounts needs to be removed also all the late payments needs to be remove from my credit report by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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 was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MS

Complaint narrative:
Today I received a letter from Rushmore loan which was a demand for full payment by XX/XX/2023. I have been placed on the repayment plan and have been paying as agreed but the letter was certified and they also sent me the same letter regular mail so I call their office and they advise I am now in a different department and they can not help me I speak to this department and they said they could not find my payment while on hold they come back and say they found my payment and to disregard the letter I call back and they say a different thing and say they do not see the repayment plan for 10 months and this is my why my account was moved to this department. I call back cause after they speak I get disconnected again the same issue again you are in default and you have now been transferred they transfer my call and I get disconnected again I am requesting for an audit of this account I have been paying this loan as agreed in fact they are the ones taking the banking info for the payment and their is a serious problem with what plan I am on and what department they have thrown this account in I would like an audit of all money taken and a correction of where this account is placed since I am paying as agreed on the 10 month loan repayment agreement if you call you are on a plan and when you call back you are not you dont know if you are on a plan or not but they loose you payment and place you for notice when you are in fact paying the arrangement as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Affirm listed my account as delinquent to XXXX AFTER I had applied and had been approved for a loan accommodation. Since we are still under the declaration of a National emergency the provisions of the CARES Act are still in place which says, If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current The loan XXXX took was approved XX/XX/XXXX. A payment was made within the terms of the provision XX/XX/XXXX and a full payment was made on XX/XX/XXXX paying off the remaining balance on the account. 

Affirm needs to remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I saw my credit report and saw accounts appearing on my report that I am not aware of, I contacted the credit bureaus but have not received any response. Below are the accounts appearing ; XXXX XXXX XXXX XXXX XXXX XXXX PARK XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN 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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I contacted XXXX XXXX XX/XX/XXXX stating that a card was opened fraudulently in New Jersey but I live in Ohio. I gave them my police report. It was under investigation until XX/XX/XXXX to which they informed me that they are still holding me liable for this card as well as the charge of {$640.00}. I am appalled that the credit card company does not have the resources to review the case further and realize that it is geographically impossible for me to open a card in New Jersey if I live in Ohio.

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