vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please refer to the last two complaints that were submitted. After my initial complaint of incorrect information being reported as well as an ADDITIONAL INCORRECT ACCOUNT being added to my report, I now see that my report has been improperly updated as well. In my last complaint, I reported that a closed account from XXXX XXXX XXXX was added to my Equifax report in the amount of {$1800.00}. I have an open account with XXXX XXXX XXXX with a limit of {$600.00} that is open and in good standing, and that is NOT the account that I was disputing. Today, there was remark added to my report stating that I am disputing both of those accounts, which is NOT ACCURATE! I clearly stated that I was disputing the account in the amount of {$1800.00} that Equifax incompetently added to my report while investigating my initial demand to remove inaccurate accounts from my report. Equifax has now put my report at further risk of false reporting and damage as XXXX XXXX could potentially close the open account that has and is in good standing due to MORE ERRORS ON THE END OF EQUIFAX. Please refer to Dixon-Rollins v Experian Information Solutions U.S Dist Court Eastern District PA Case Number 09-0646 ... Memorandum Opinion, XXXX XXXX XXXX. False reporting, whether due to incompetence or any other circumstance, is a direct violation of 15 USC 1681b ( a ) ( 2 ) as shown in this judgment, as is punishable by fine on the end of the data furnisher. I am currently in the process of filing litigation against this company and will seek compensation for punitive damages. False reporting and inaccurate reporting is a direct violation of the law and my rights! It directly infringes upon my quality of life, and is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
For the last 17 years I've had in accuracies on my background report. I have a report that is saying that I have a charge from XXXX that was settled due to conditional plea. I also have XXXX other charges in XXXX and XXXX that deal with XXXX XXXX that are reporting guilty and they were disposed or no contest. This information has always followed me and damage my reputation to be considered for positions that I meet. I have contacted the judicial systems and government agencies about this complaint.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Someone added me as an authorized user on their American Express card. Amex did not disclose that it will report the opened date of the account instead of the original primary account holder information as it is. They never disclosed the right information and what they reported impacted my credit score and the age of the accounts. Amex is not following the same practices that other credit card companies follow. I want to report this so that the Amex policies can be audited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: VA

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

15 U.S.C 1681 Section 602 A. States I have the rights 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 2022-04-14 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: GA

Complaint narrative:
Transunion dark pattern

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
For the last 17 years I've had in accuracies on my background report. I have a report that is saying that I have a charge from XXXX that was settled due to conditional plea. I also have two other charges in XXXX and XXXX that deal with XXXX XXXX that are reporting guilty and they were disposed or no contest. This information has always followed me and damage my reputation to be considered for positions that I meet. I have contacted the judicial systems and government agencies about this complaint.

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 2022-04-14 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: EQUIFAX, INC.
State: UT

Complaint narrative:
2021 SOMEONE RENTED AN APARTMENT WITH XXXX XXXX XXXX IN UTAH FRAUDULENTLY IN MY NAME WITHOUT MY CONSENT. 
NOW EQUIFAX CREDIT REPORTING IS POSTING FRAUDULENT INFORMATION ON MY PERSONAL CREDIT REPORT FALSELY. EQUIFAX IS IN VIOLATION OF MY FCRA RIGHTS. 
THE XXXX XXXX XXXX ACCOUNT IS NOT MINE, I NEVER OPENED IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: MoneyLion Inc.
State: FL

Complaint narrative:
I have reached out via mail and phone to the company and received no response. 

The company 's listed contact information on my credit file is Contact XXXX XXXX  XXXX XXXX, UT XXXX ( XXXX ) XXXX However, They do not respond to any mailed correspondence and the listed phone number is a non working number. 

This account is fraudulent and needs to be removed from my file asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: NH

Complaint narrative:
Loan care is reporting my mortgage 180 days past due while I was in forbearance. I call and they tell me that I need to resolve this matter. They are breaking the law and delay upon delay I. Getting it fixed.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Ive been a new home owner for 3 months and it still doesnt reflect on my Credit Report. Transition is always the lowest score across the board..why when same information reflects on the other 2 reports by XXXX and 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 2022-04-14 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
Reporting fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
Saturday ( XX/XX/22 ) I went to a local Truist Bank branch to get a cashier 's check to pay my taxes. I noticed that the check was made payable to the IRS when the instructions form I brought with me to the counter stated that the US Treasury should be the recipient. I asked that the check be re-issued. The cashier told me, in real time, that the check would be cancelled, re-deposited, re-withdrawn and then a cashier 's check would be issued. 

None of that actually occurred, and instead the account was double-drawn and therefore my line of credit was activated as well as overdraft fees assessed to my account. I did not notice this error until Wednesday ( XX/XX/22 ). I called and spoke to several members of the staff at the same local branch. One of whom, XXXX, was adamant that no accommodations or assistance would be offered to me nor would my line of credit activations be reversed. I then asked to speak to a supervisor and received the branch manager, XXXX. The branch manager was a bit more helpful in reversing the overdraft fees. She told me that the line of credits would be reversed as well as the check amount ( {$1100.00} ) be credited back to my account most likely by the next day. 

As of XXXX. local time no check refund / credit has been issued to the account ( not even pending ) and the line of credit transfers are still present in my account ( s ). 

I was forced to make a minimum payment to one of my creditors, XXXX, yesterday in the amount of {$29.00} because I did not have access to my fully entitled funds ( {$1100.00} ) that I would be normally paying my bills with. As a result, I am accruing interest on unpaid balance ( s ) as of today for that. In additon, the refunded overdraft fees totalling {$25.00} are less than the minimum payment ( {$29.00} ) that I made. As a result, I expect more overdraft fees and further activation of my line of credit which is unnecessary, since I should just get the double-drawn check amount ( {$1100.00} ) credited and/or deposited back in to my account. 

I attempted today ( XX/XX/22 ) to speak directly with XXXX again but after 20 minutes on hold decided I may try their corporate customer service. After 10 minutes of completely wasting my time and no help from corporate customer service, I attempted to contact XXXX at the local branch again. This time I reached XXXX ( again, the most unhelpful member of their banking services team with my issues ) and requested a call back from XXXX, which I have yet to receive.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
XXXX  XXXX  is reporting my mortgage 180 days past due while I was in forbearance. I call and they tell me that I need to resolve this matter. They are breaking the law and delay upon delay I. Getting it fixed.

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 2022-04-14 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: FL

Complaint narrative:
credit bureaus allowed an incorrect account to be REplaced back onto my credit profile. They allowed the company that was found to be inaccurate and was removed, now they have allowed the same inaccurate account to be replaced on my credit report from a so called " sold account '' to a different collection company. The item was found to be inaccurate and was removed. The new collection company, NEVER sent me any correspondence. They simply placed an inaccurate account on my profile without reaching me with mailed correspondence.

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 2022-04-14 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
credit bureaus allowed an incorrect account to be REplaced back onto my credit profile. They allowed the company that was found to be inaccurate and was removed, now they have allowed the same inaccurate account to be replaced on my credit report from a so called " sold account '' to a different collection company. The item was found to be inaccurate and was removed. The new collection company, NEVER sent me any correspondence. They simply placed an inaccurate account on my profile without reaching me with mailed correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: VA

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

15 U.S.C 1681 Section 602 A. States I have the rights 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 explanation
Consumer complaint received 2022-04-14 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: VA

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

15 U.S.C 1681 Section 602 A. States I have the rights 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 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
In XX/XX/2021, my fianc and I purchased a XXXX XXXX bike. The bike was stolen in XX/XX/2021, and we filed a claim with our insurance company, XXXX. The claim was settled in XX/XX/2021 and a settlement check was issued for {$320.00}. I deposited the settlement check into my account in XX/XX/2021 and after a few days I checked my account to see if the check had cleared prior to spending the money. 

The check had cleared so I paid my final bill for XXXX off with the settlement check I had received from XXXX. With no warning, US Bank reversed the check and did not notify me. I noticed a negative balance when I logged into my account and called to ask why. I spoke with a representative at US Bank who said the check was not reversed, but they had never cashed it because XXXX put a stop payment on the check. I explained to them that I saw the check clear in my account and i explained that XXXX issued the settlement check and would not put a stop payment on it. I asked to speak with a supervisor, and offered to give them my claim adjuster 's phone number, which they did not accept. 

I called my claims adjuster and she agreed to speak with US Bank and told me that she can see the bank has cashed the check from her end so she could not reissue the check. 

US Bank refused to assist me, they dropped calls every time I called, they did not give me a valid reason for reversing the check, they never notified me, if I hadn't noticed I wouldn't have known until they closed my account. US Bank never tried to work with me to resolve this issue, and they charged me NSF fees for their mistake. When I asked for a letter stating why they closed my account they sent me a letter stating that it was closed due to overdrafts, and never addressed that they reversed my settlement check.

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 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOME FINANCING CENTER
State: FL

Complaint narrative:
Beginning in XXXX of 2021, we contacted our mortgage company to have PMI insurance removed since we were well beyond the 20 % equity required in the subject home, We had an appraisal conducted, at our expense, which we forwarded to them. After repeated calls, they told us they would get back to us about when it would be reviewed and the PMI removed. To date, over a year later, they have yet to remove the PMI or explain why not. They keep insisting we need to speak to a specific person who has NOT ONCE returned a call. They just ignore messages and the representatives who answer the phone say they can not help.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Ive been a new home owner for 3 months and it still doesnt reflect on my Credit Report. Transition is always the lowest score across the board..why when same information reflects on the other 2 reports by Experian and 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 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I received a notification from my XXXX account on XX/XX/XXXX that my score dropped due to a collection agency who purchased the debt from XXXX , attempting to collect a debt of {$420.00}. I do not have a contract or know who they are or why they are trying to collect this debt that has been settled with XXXX and myself. They first tried to collect {$470.00} on XX/XX/XXXX and lost XXXX points, I was able to dispute it through the XXXX app and it disappeared for a month or XXXX, then it showed up today XX/XX/XXXX and I lost XXXX points. They are now attempting to collect {$420.00}. Which again is inconsistent with the original said debt. This debt has been settled between myself and XXXX, however they are not in contact with the debt collectors who are attempting to collect and can not intervene to stop the collection of this false debt. Attempting to remove this myself working with XXXX has led to me needing to report this to CFPB so that my credit is no longer impacted with a bad debt that is untrue.

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 2022-04-14 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: NC

Complaint narrative:
Ive submitted multiple request supporting my reason for removing these inaccurate entries on my credit profile. The Fair Credit Reporting Act States that XXXX XXXX and Transunion has to report 100 % accurate meaning that all three credit reporting agencies must report identical information and if one credit reporting agencies removes the account then the others should as well. I will be attaching all supporting documents even my credit report showing those accounts that are not reporting to all three credit reporting agencies. I request that you validate this inaccurate information and remove the negative accounts. This is my last request. Pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If you don't have proof that I've sent written instructions then remove these accounts. Pursuant to 15 USC 1681a detention and rules ( d ) consumer Report ; The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

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