vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

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 2024-04-18 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: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

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 2024-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Someone use the credit card to rent a car in NY

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2024, I received confidential mail that was addressed to another customer of CitizensBank. Copy attached.

This is a violation of the privacy of these customers. When I reported it to XXXX, in the office of the Chairman of Citizens Bank, she said ooops and asked me to send it back. Just last week, she sent a XXXX  addressed to me ( which she said contained a label so I could return the other customers mail ) to an address that I have not lived at for 5 years. When I contacted her about that, she said ooops again. I have no idea what personal information of mine was in that XXXX, who opened it or where it is. This is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XXXX I sent an affidavit with a copy of my social secuirty card, drivers license, an utility bill to Transunion concerning account information that did belong to me. The affidavit from FTC Idenity included a total of 5 accounts. It has bee over 30 days and Transunion has not responded to my dispute which violates 15 USC 1681i ( a ) therefore the disputes accounts should be removed from consumer report effective 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 explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: TX

Complaint narrative:
I noticed unauthorized accounts on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was involved in identity theft and several credit cards were opened or tried to be opened in my name. Several I was denied, and letters came to my house for denials. These were opened in my name, and I have been sent bills to pay that I was never aware of having these cards opened or using them.

I have not paid any of these, I want them cancelled, my name removed from them, and any derogatory marks removed from my credit score. 
Citibank I had a card with them that was paid off to close that account, a second card was opened fraudulently in my name that I never requested. I contacted them after receiving a bill on XX/XX/XXXX for {$830.00}. I do not remember what date I contacted them. I received a letter on XX/XX/XXXX stating they were investigating the bill. I called them around that time and talked to a fraud department supervisor and she realized the second account was fraud. She assured me the account would be zeroed out and closed. I have received a couple of letters stating it was XXXX balance and one saying they were not taking balance off and I am liable. So I do not know if it was properly taken care of, as I tried to call again early XXXX and I was never able to get through to anybody as I do not have enough information on that card. They put me in collections. I would like this card cancelled and removed from my credit report as well. 

I have been told not to pay any of these fraudulent accounts by federal agencies, as I am not liable. This is why they are in collections. I pay all of my legitimate bills on time and before all of this happened to me, my credit score was 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 2024-04-18 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-18 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: TX

Complaint narrative:
XXXX XXXX : Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: MO

Complaint narrative:
Good afternoon. 

I'm filing this complaint with the hopes that you'll be able to step in and unwind the horrible situation that has been created by XXXX XXXX XXXX, XXXX regarding the sale of my home. 

I've been in active foreclosure for a bit - due to XXXX  and my divorce- and instead of modifying my loan prior to transferring it for service to Selene Finance, XXXX XXXX sold it 'as is. ' Subsequently, I've received letters from Selene offering assistance, but received none. 

Moving forward, I was notified of an initial sale date on my home, for XX/XX/XXXX XXXX letter from XXXX XXXX XXXX, XXXX, informing me that the sale had been postponed to XX/XX/XXXX. These attorneys are representing the BUYER/TRUSTEE and not Selene Finance . 

I've also had multiple conversations with Selene over the past couple of days and they have only ONE recorded contact by XXXX XXXX XXXX - a call made on XX/XX/XXXX, requesting a Reinstatement Amount. I was in conversation with them ( XXXX ) and expressed my ability to fully reinstate my loan, covering all past due payments, late fees, penalties, etc totaling {$83000.00}. 

But, in a follow-up conversations with XXXX XXXX XXXX XXXX, she was extremely combative and dismissive when I told her that I'd have funds available by way of my XXXX. She shut all my efforts down, claiming that the funds wouldn't be available in time to stop the sale. I could've very easily gotten a letter from my XXXX trustee guaranteeing the funds, but XXXX XXXX blocked all communication and my home, unfortunately, went to sale on XX/XX/XXXX. 

As of today, XX/XX/XXXX, the sale has NOT yet been certified and I'm requesting intervention on your behalf to allow us the opportunity to reinstate my mortgage with Selene. I had a conversation with them this morning ( XX/XX/XXXX ) and they assured me they would escalate this file upon my submitting a written explanation and both the complaints with the CFPB and the Missouri Division of Finance. I'm available to speak with you anytime on this matter! 

Thank you so much in advance and wishing you and enjoyable rest of your day, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

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 2024-04-18 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of information contained in my consumer report. It has come to my attention that your records reflect a missed payment on the account associated with Account Name : XXXX XXXX XXXX XXXX, under the Fair Debt Collection Practices Act. 

I wish to emphasize that I have never missed a payment on this account. Upon thorough review, I have verified that all other accounts are marked 'Paid as agreed ' on my credit report. Therefore, it is imperative to rectify this discrepancy immediately. Under the provisions of the act, it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participatng in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

Such misinformation is not only unlawful but also damaging to my credit standing. If this error is not corected promptly, I will have no choice but to seek legal action to ensure the accuracy of my consumer report. 

I trust that you will address this matter with the urgency and attention it warants. Thank you for your prompt cooperation. I expect a prompt response to this dispute within 15 days, in accordance with the timeframe stipulated by the Fair Debt Collection Practices Act. Failure to provide adequate verification or to rectify any inaccuracies may result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've been reaching out to XXXX, XXXX, and TransUnion throughout the year. I been trying to get names, addresses, accounts, and inquiries removed that are 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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've been reaching out to XXXX, Equifax, and XXXX throughout the year. I been trying to get names, addresses, accounts, and inquiries removed that are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/24 Multiple efforts to access my account. System doesnt recognize email address with many attempts. Yet when I called the system identified that same email address and allowed me to reset password. This happened multiple times.. reset password but the when signing in my email wasnt recognized. I tried to reach a live agent via various paths, even using the number that XXXX XXXX suggested. They have extremely sensitive information and removing all customer service access is troubling. Was there a breech with this company?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
In accordance with fair credit reporting act this creditor has violated my rights under 15 1681 section 602 states. I have the right to privacy 15 US 1681 section 6048 section 2. It also states a consumer reporting agency can not furnish account without my instructions. 1666B not a payment on a credit card account under an open consumer credit plan as for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
I am filing a complaint about AXOS Bank. I had made 2 check deposits via a mobile device. I had to photograph 2 checks. I had received emails that confirmed my deposits went through and everything was OK. 3 days later, 1 of the deposits in the amount of {$88.00} did not go through because of the photograph, and there was a negative in my account because of this. AXOS Bank sent me an email through my account telling me to mail the check to them. I mailed the check to them on XXXX. It was almost 2 weeks, and I still never heard the status. I called the bank numerous times for updates, and I was told they never received the check back. Somebody dropped the ball because they did receive the check. 
On Monday XXXX, AXOS Bank sent me back the check in the amount of {$88.00}, and a letter telling me the check was negotiated and I will receive the funds in my account in a couple of days. Then I receive a message in my account telling me to mail the check back to AXOS Bank again so they can make the deposit. This is unacceptable. I am out of work, and I need this money ASAP. This is poor money management from a bank and poor customer service. I called the company that sent me this check, to reissue it to me again. I am finding a better bank. I also have a dispute for a charge that I never got the service for. 
I demanded numerous times to speak to a manager or CEO. Every time I called ; I was told nobody is available. Unacceptable!! This bank needs to be investigated.

Company response to consumer: Closed with explanation