vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I mailed in and disputed online XXXX XXXX XXXX with XXXX, XXXX, and Transunion to reinvestigate the following account : Account name : XXXX XXXX XXXX ; Account # : XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. 

According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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 an account without my written instructions. 15 U.S.C 1681 c. ( 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 2023-10-04 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: GA

Complaint narrative:
My mortgage loan with XXXX XXXX was in forbearance from XX/XX/XXXX through XX/XX/XXXX. At that point when it ended, I was assigned a SINGLE point of contact by the name of XXXX XXXX. He initiated me to contribute forms I needed for loss mitigation to assist with mortgage payments. I have sent forms to them multiple times, 2 to be exact via fax and they somehow never received them. I have had to send forms via fax and mail, for them to only say they don't have it. Fast forward to XX/XX/XXXX, XXXX received the documents and starts his review. XXXX was aware I had an alternate address but did not tell me that I needed a letter or explanation. He also had me send the wrong documents for the wrong program. They stated via phone that XXXX had placed me in the wrong program. For months we are attempting to apply to a program that I was never to be placed into. XX/XX/XXXX, I sent another letter detailing explanation of address, and emailed XXXX to please tell me if anything else is needed as he stated before nothing else was needed. After complaining and changing out point of contacts to XXXX XXXX, they approved a loan modification XX/XX/XXXX. I say this all to say they have reported late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was dealing with someone, an employee of theirs ( XXXX XXXX, who not very helpful or clear on which program he had placed me in. It took the higher ups to step and state how XXXX did not have his best foot forward in my situation causing confusion and my payments to be marked as late. I later one sold the home in XXXX, however, these late payments are affecting me tremendously. I have tried to speak with the supervisors in Loss Mitigation and to no avail, they will not talk to me. I no longer know where else to go. I want to sue them as of now if I can not get them to correct the late payments as an offer of good will, due tot he mistakes of their employee that was not properly trained.

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 2023-10-04 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: GA

Complaint narrative:
My mortgage loan with XXXX XXXX was in forbearance from XX/XX/XXXX through XX/XX/XXXX. At that point when it ended, I was assigned a SINGLE point of contact by the name of XXXX XXXX. He initiated me to contribute forms I needed for loss mitigation to assist with mortgage payments. I have sent forms to them multiple times, 2 to be exact via fax and they somehow never received them. I have had to send forms via fax and mail, for them to only say they don't have it. Fast forward to XX/XX/XXXX, XXXX received the documents and starts his review. XXXX was aware I had an alternate address but did not tell me that I needed a letter or explanation. He also had me send the wrong documents for the wrong program. They stated via phone that XXXX had placed me in the wrong program. For months we are attempting to apply to a program that I was never to be placed into. XX/XX/XXXX, I sent another letter detailing explanation of address, and emailed XXXX to please tell me if anything else is needed as he stated before nothing else was needed. After complaining and changing out point of contacts to XXXX XXXX, they approved a loan modification XX/XX/XXXX. I say this all to say they have reported late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was dealing with someone, an employee of theirs ( XXXX XXXX, who not very helpful or clear on which program he had placed me in. It took the higher ups to step and state how XXXX did not have his best foot forward in my situation causing confusion and my payments to be marked as late. I later one sold the home in XXXX, however, these late payments are affecting me tremendously. I have tried to speak with the supervisors in Loss Mitigation and to no avail, they will not talk to me. I no longer know where else to go. I want to sue them as of now if I can not get them to correct the late payments as an offer of good will, due tot he mistakes of their employee that was not properly trained.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: GA

Complaint narrative:
My mortgage loan with XXXX XXXX was in forbearance from XX/XX/XXXX through XX/XX/XXXX. At that point when it ended, I was assigned a SINGLE point of contact by the name of XXXX XXXX. He initiated me to contribute forms I needed for loss mitigation to assist with mortgage payments. I have sent forms to them multiple times, XXXX to be exact via fax and they somehow never received them. I have had to send forms via fax and mail, for them to only say they don't have it. Fast forward to XX/XX/XXXX, XXXX received the documents and starts his review. XXXX was aware I had an alternate address but did not tell me that I needed a letter or explanation. He also had me send the wrong documents for the wrong program. They stated via phone that XXXX had placed me in the wrong program. For months we are attempting to apply to a program that I was never to be placed into. XX/XX/XXXX, I sent another letter detailing explanation of address, and emailed XXXX to please tell me if anything else is needed as he stated before nothing else was needed. After complaining and changing out point of contacts to XXXX XXXX, they approved a loan modification XX/XX/XXXX. I say this all to say they have reported late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was dealing with someone, an employee of theirs ( XXXX XXXX, who not very helpful or clear on which program he had placed me in. It took the higher ups to step and state how XXXX did not have his best foot forward in my situation causing confusion and my payments to be marked as late. I later one sold the home in XXXX, however, these late payments are affecting me tremendously. I have tried to speak with the supervisors in Loss Mitigation and to no avail, they will not talk to me. I no longer know where else to go. I want to sue them as of now if I can not get them to correct the late payments as an offer of good will, due tot he mistakes of their employee that was not properly trained.

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 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I lost my business and I was not able to pay my business credits cards with Bank of America so the collection agency made deal to reduce the interest rate to XXXX % for 60 months and after XXXX payments {$170.00} and {$480.00} remove late fee and payments but after XXXX months my account still showing late payments my income is my social security so I was not able to transfer money to checking account but Bank of America DEDUCTED XXXX payments from my checking account and now my account {$670.00} overdrawn after calling so many time speaking with supervisors I was told we made mistake I have wait XXXX to XXXX  months to remove late payments that It was not disclosed at time we made deal on XXXX XXXX I need to put back the money to my checking account for not flowing through our deal

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 2023-10-04 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: SC

Complaint narrative:
noticed my credit score dips up and down with no one to give answers as to why. contacted all three credit agencies, but no help was supplied, I was either given only non english speakeing persons or Al qustions that didnt pertain to my questions. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 
Publishing this description will not affect how the CFPB handles your complaint.

( VPN ) 96 % Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. 
Learn how the CFPB can help you HAVE A QUESTION? PREGUNTAS? 
( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX a.m. to XXXX p.m. XXXX, XXXX  - XXXX ( except

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 2023-10-04 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: SC

Complaint narrative:
noticed my credit score dips up and down with no one to give answers as to why. contacted all three credit agencies, but no help was supplied, I was either given only non english speakeing persons or Al qustions that didnt pertain to my questions.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Publishing this description will not affect how the CFPB handles your complaint.

( VPN ) 96 % Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. 
Learn how the CFPB can help you HAVE A QUESTION? PREGUNTAS? 
( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ( except

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 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I run a solo law firm and as a requirement under NJ law I have an XXXX  account to deposit client funds that have been received but not yet earned. I eventually transfer those funds into my operating account once those fund have been deemed earned. As such for a period of a few months I had no funds in my XXXX account and Citizens Bank closed the account without any notice that to me that the account was being closed either before or after the Bank closed the account. I am also unable to re-open the account and will now have to go in person to open a new XXXX account. My biggest issue is the lack of notice to me that the account was going to be closed or at the very least notice after the account was closed that the bank had done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: MI

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 2023-10-04 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: PA

Complaint narrative:
My identity was stolen back in XXXX and again in XXXX during the pandemic. Since then Ive been having inquires and accounts that I have no knowledge of appearing on my credit report. Ive applied a police report and a credit alert with all bureaus to my credit again on XX/XX/XXXX and Im still seeing unauthorized inquiries on my report. Please investigate and remove all unauthorized inquires and credit cards I have listed from my credit report immediately. The accounts in questions are.. 

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 Closed these are all the unauthorized inquiries and accounts that I would like removed from my credit report immediately.

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 2023-10-04 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: NY

Complaint narrative:
The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them removed and havent received a response. 


Equifax : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-04 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: FL

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-10-04 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: MA

Complaint narrative:
In XX/XX/XXXX, I received a notice from TD Bank that my checking account would be assessed a monthly Paper Statement Fee starting on XX/XX/XXXX. When I called TD Bank Customer Service indicating that Massachusetts residents can not be charged a fee for receiving paper statements under Mass. Gen. Laws c. 93, sec. 43A, I was told by TD Bank that the charge would not apply to my account if the balance remained above $ XXXX. I recently received my paper statement from TD Bank and it included a Paper Statement Fee of {$3.00} although the balance remained above $ XXXX. When I called TD Bank Customer Service again, I was told that the previous information I received was incorrect and that the fee would apply going forward ( although the customer service rep agreed to waive the fee for the first month ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: NY

Complaint narrative:
My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these accounts furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!

Company response to consumer: Closed with non-monetary relief