vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-10 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: PNC Bank N.A.
State: MA

Complaint narrative:
We have had XXXX late payments on our mortgage ever ( in XXXX  years ) until XXXX recent missed a few months back due to being taken off auto pay without our knowledge by PNC bank then it affected credit score for me and husband 's by XXXX points cause they put as a late charge on our mortgage cause was 30 days late. But that is because we were always used to auto so never noticed. We are buying a new house and this is greatly affecting our credit cause of this one issue and very undeserved and we want it fixed and taken off and our credit score fixed please. 

You can review old credit report to show there were XXXX late payments. Please if you need to you can also review the current credit report showing XXXX late payment for XXXX. We previously had automatic payments arranged via your online portal and only noticed something was wrong when we did not see the payment being removed the following month. As soon as we noticed we paid it in full and immediately was up to date. We were informed by one of your agents that there was a system change/update that has caused previously scheduled payments to be deleted, resulting in our credit score decreasing significantly. We request that you remove this late payment history from your records and update with the credit bureaus effective immediately. Our mortgage loan consultant is requesting a letter or some type of documentation for us showing that this is being actioned as we are in the process of purchasing a new home and selling our current. PNC bank I sent all documentation too with a letter etc and never heard back so called to follow up and they did not fix the problem or even seem to care so my loan officer told me to contact you guys. I really need this resolved asap please. 

Please let me know once receive correspondence and documentation showing it is being taken care of. 

Thank you, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year> : I attempted to transfer {$1700.00} from my checking account with Citi Bank. The transfer failed with a message stating, " For security reasons, we can not make this transfer, '' and provided a number to call : ( XXXX ) XXXX. When I spoke to a representative, they informed me that the transfer was stopped due to suspected fraud. However, they confirmed that the transfer was initiated by me. I asked if they could complete the transfer, but was told it needed to go through a " process '' that could take up to 90 days. I inquired about expediting this process, but was informed that it was not possible. 

XX/XX/year> : I received a call from Citi Bank leaving a message to verify a recent transaction flagged as fraud. They provided a reference number and instructed me to call ( XXXX ) XXXX, extension XXXX. When I called the number, I had to repeat all the details and go through a similar process as the previous day. I was given XXXX options : Open a New Account : Transfer the funds to a new account with Citi Bank. This seemed illogical because if my current account is locked, why would opening a new account solve the issue? 

Close the Current Account : This could take up to 90 days, during which time my money would be inaccessible and not earning interest. 

I asked why my account was flagged for fraud but received no clear explanation. The only information provided was that it had to go through the " process, '' with no further details.

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 2024-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with fair credit reporting act. XXXX XXXXXXXX XXXX account number 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 605 A section 2. 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 explanation
Consumer complaint received 2024-08-10 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an account with multiple errors that are not reporting accurately. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information with maximum accuracy. The account in question is showing inaccuracies in payment history for XX/XX/year> & XX/XX/year>. I'm requesting you investigate these errors and update the account. Thank you for your understanding and prompt action in advance!

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 2024-08-10 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: GA

Complaint narrative:
Hello. I've reached out about accounts on my report that are illegally being reported. These accounts include negative or adverse information that I am requesting be permanently remove the following companies, EXPERIAN, XXXX and XXXX have failed to provide me with the contracts with my signature to verify that the these accounts belong to me. 

Closed accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX sold. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Secured Loan. Date Opened : XX/XX/year>. 
Closed. Charged off {$220.00}. 
XXXX XXXX XXXX XXXX XXXX SC XXXX Phone # ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX. 
Original creditor : XXXX XXXX Collections {$970.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone # ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Original creditor : XXXX XXXX XXXX XXXX 
Collections {$100.00}. 
XXXX XXXX XXXX XXXX, MA XXXX Phone # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 
Original creditor : XXXX XXXX. 
Collections {$88.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX. 
Original creditor : XXXX XXXX XXXX Collections {$4500.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Consumer Laws to reference U.S.C 15- Chapter 41.

15 U.S.C. 1681i ( a ) 5 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) 5 15 U.S.C 1681S-2 15 U.S.C 1681 ( i ) 15 U.S.C 1681 ( i ) 5 XXXX XXXX XXXX XXXX SS # XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX. Phone # ( 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 2024-08-10 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: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently created an account with Equifax to freeze my credit. After creating a user name and password I used those credentials to freeze my credit. On XX/XX/XXXX I attempted to log in to Equifax to verify my credit was frozen. The login failed saying that my user name / password were incorrect. I verified that they were in fact correct. I clicked on the " help with login '', but received the message that the service was " temporarily unavailable ''. I tried again XX/XX/XXXX, both in the morning and again in the evening, with the same result. Each time their login help was " temporarily unavailable ''. On XX/XX/XXXX I called Equifax and was put in contact with an agent. The agent said the problem was fixed and I needed to wait XXXX minutes to log in. I waited several hours and when I tried to log in I received the same error. I called Equifax again, this time the recording said they could not put me in contact with an agent. The result is I am now locked out of my account and Equifax will do nothing to resolve this. If this was any other company I would just cease to do business with them. Unfortunately we can not opt out of their credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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:
My Name is XXXX XXXX XXXX I am writing because I am a victim of Identity theft, and I need the inaccurate information to be deleted OFF my report as soon as possible. My reputation is being affected by this inconvenience please HELP.

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 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Certegy Holdings, LLC
State: MT

Complaint narrative:
I began making calls to an LLC called " Certegy '' when after XXXX of doing business and writing checks for purchases in XXXX XXXX XXXX and XXXX, MT ( XXXX - use d to be XXXX XXXX XXXX without a single check writing incident that would have denied me the privilege of using checks as my preferred payment method ; suddenly ( beginning XXXX ) my check writing prompted a Drivers License check which denied me the ability to use my checks for payment. Store management accepted no responsibility for this unexpected denial of services, even though I have been in their store information data base for decades, gave me a lengthy printout, beginning with the phrase " we are sorry '' ... but check with this company called " Certegy '' for the answers you seek regarding your check dilemma. After 5 calls to Certegy between XXXX and XXXX whose content included empty, rehearsed apologies, verbal repetitions of " we're sorry '' but there's nothing we can do for you on our end to resolve your issues. The 3rd call with " XXXX '' gave the hope of resolution No resolution occurred. With each call more personal information was prompted from me ( including my SS # - the last 4 digits will not do - we need all the numbers, contact Drivers License issuer ( had a new license reissued just to be sure, plus additional conversations with the XXXX XXXX  who indicated the problem was not on their end. Certegy reps. used words like " mis keyed '' ( but not on our end ), and if you still have the problem we will " escalate '' our involvement. Never happened. I have case # 's, transaction numbers, names of each representative spoken with, dates, notes taken during calls ( these people, Certegy, offer no e-mail, text, or confirmation of dialogue, and contact in any form ). With each call a new case number is given, and that new contact does not lead to furthering an informed or beneficial outcome for the petitioner. I finally did some on-line research regarding their function and reputation, and with my 5th call asked for my " Consumer Credit Report. '' Haven't received it yet ( XXXX petitioned for it ). Certegy, for myself, is like a shadowy, background menace that hovers in ones life, unknown, but hugely influential. Once encountered for reasons known only to them and their information data base the experience becomes labyrinthine.

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 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had attempted to contact Bank of America in order to initiate a dispute for transactions regarding the merchant " dingdingding.com ''. However, the support representatives all lied to me, telling me that I could initiate the chargeback from the Bank of America app. When I tried to do so, following the instructions that they sent me, I would not be able to initiate a chargeback and was told to call customer support, who would then tell me to do the disputes from my app again. 
When I tried to initiate the disputes over the phone, the support representatives told me that they could only do 1 dispute at a time. I was on the phone for several hours with a support representative and they were only able to initiate less than 1 % of the disputes that I had requested, before I needed to hang up and do other things. This means, that I would need to spend hundreds or thousands of hours on the phone with support in order to be able to initiate the disputes. This also decreases the chances of my disputes being approved since they would be for charges that happened further in the past. It is ridiculous that this process takes so long, when it could be done in a single day at other banks.

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 2024-08-10 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. The List of accounts below has violated my federally protected consumer rights to privacy and con

fidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Cornerstone First Mortgage, Inc.
State: CA

Complaint narrative:
" Cornerstone First Mortgage '' claimed that they will secure a conventional loan on a property we were trying to purchase. 
After weeks of lengthy underwriting process, the underwrite approved our mortgage and we signed all the closing documents and wired the closing funds to escrow. 

After closing and wiring of closing funds, " Cornerstone First Mortgage '' did not fund the loan and came up with new loan conditions. 

The sellers cancelled the deal and we lost the contract due to lack of performance of " Cornerstone First Mortgage ''. 

We lost a very lucrative deal because " Cornerstone First Mortgage '' is a scam company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: TN

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally state that the account in question is not mine and was created or accessed without my knowledge or consent. I believe that my personal information has been unlawfully used by an unknown individual ( s ) to establish this account, which constitutes identity theft.

I have never applied for, authorized, or managed this account in any capacity. Any activities, transactions, or communications associated with this account were not conducted by me and should not be attributed to me in any way. 
XXXX : {$4500.00} XXXX- {$860.00} I am actively taking steps to protect my identity and have reported this incident to the relevant authorities. I request that this matter be thoroughly investigated and that all fraudulent activities linked to this account be immediately halted.These accounts have been deleted from my transunion credit report. I recieved a letter from the comapnay stating they would delete the accounts from my credit reports. I have attached proof of the information and letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: TX

Complaint narrative:
To whome it may concern, XXXX XXXX are In direct violation of 15 usc 1681 ( b ) ( a ) ( 2 ), Permissible Purpose for Consumer Report. I never gave them my written Consent to report credit usage on my file. Please provide a copy of written Consent if applicable.

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