vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, the accounts listed below have breached my federally protected consumer rights on accurate credit reporting. 

XXXX XXXX # XXXX is in violation of the Fair Credit Reporting Act by inaccurately reporting information to Transunion, XXXX, and XXXX. Upon reviewing my credit report, I observed discrepancies in the last activity dates- XX/XX/XXXX, with TransUnion, XX/XX/XXXX, with XXXX, and XX/XX/XXXX with XXXX. Furthermore, XXXX XXXX has Inconsistencies in my payment history across the XXXX bureaus, which contravene the Federal Credit Reporting Act. For Instance, XXXX  XXXX, reported a timely payment on XX/XX/XXXX, to XXXX but failed to provide any record for the same date on XXXX and TransUnion. Similarly, the reported on-time payments for XXXX to XX/XX/XXXX to XXXX but XXXX this information from XXXX and Transunion. Additionally, XXXX XXXX 's payment history percentages differ across bureaus- claiming a XXXX percent payment history for XXXX XXXX while indicating XXXX percent for TransUnion AND XXXX Percent for XXXX. These inconsistencies require immediate correction to align with the accurate reporting standards mandated by the Fair Credit Reporting Act. I would like this removed totally from my account. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within XXXX years after you discover the harmful behavior or within XXXX years after the harmful behavior occurs, whichever is sooner.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank Childrens place is reporting a couple lates on my credit that need to be removed. I was unable to make a payment due to their system being down and not processing it. I called in once I noticed and the rep advised they would remove late fees and the lates from credit as this was not my fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-06 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: WV

Complaint narrative:
15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT & MY DISPUTE LETTERS I HAVE SENT THAT THEY IGNORED TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX || Date of inquiry : XX/XX/2023

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 2024-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
We have a mortgage thru First Horizon Bank. Which was previously XXXX XXXX then Fist Horizon. We, tried to make a payment back in XX/XX/XXXX We informed that out loan had matured and we would need to pay the loan in full or sale We had no idea that we had ever signed a balloon note. We then asked to refinance and were told they couldn't do that. We proceeded to try to refinance thru XXXX XXXX bank which is a branch of XXXX XXXX XXXX. This has been nothing but huge mess. We have been working with XXXX XXXX ad she has done all that she can to help us. XXXX he can not find a dead of trust for our Property. There was a dead of trust from XXXX XXXX that was released in XXXX. But we can not find one since. Also XXXX states that on our Deed is my husbands sister which she has never signed for. We have no idea where that has come from. We have contacted First Horizon Bank many many times each time they state they will mail the deed of trust and loan documents and have yet to receive anything. They refuse to fax or email. We even went into XXXX XXXXXXXX XXXX and sat with XXXX while she called on out behalf. She was transferred 5 times. They last thing she received was a deed of trust on an old address not even what we asked for. This bank has put us thru months of stress and is ruining out credit. We cant even try to get a loan to refinance with anyone if there is no deed of trust anywhere, Please help us with the next step are we at the point where we need to hire an attorney?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I attempted a mobile deposit through the 5/3 banking App on Friday, XX/XX/XXXX in the amount of {$750.00}. After a glitches, I was notified that it was successful. My next attempt to login was Saturday XX/XX/XXXX and upon doing so, I wasn't able to login. When I tried to call customer service right then, it was closed. I waited until The following Monday XX/XX/XXXX during normal business hours to try calling again. It was then that I found out my account was locked due to too many unsuccessful attempts. When I spoke with customer service, I was told that I needed to verify my funds with supporting documentation to prove that the check was for me. I went into the 5/3 bank ( XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ) on Tuesday XX/XX/XXXX with XXXX documents that verify that the check was for me, where the check came from, along with DIRECT contact information for the person in charge of distributing my stipend, AND THE ACTUAL CHECK. The teller reviewed, scanned, and emailed the documents to the Fraud representative who would review them for the investigation right in front of me. The teller explained that I should be hearing back within 72 hours. Today is XX/XX/XXXX and I haven't received any calls emails or updates and I have called them on XXXX separate occasions to follow up. After calling today, I was told that they were closing my account because the documents that were emailed to them were blank. My funds have been held up for 2 weeks! I can not pay my bills or anything for that matter. If, by chance, the documents came up blank, why couldn't that have been resolved or inquired about before I left the bank on XX/XX/XXXX. I would have happily given the documents back to the teller for a resubmission. She rewvied and verified everything herself and could have simply clarified that there was an error and resubmitted. Now I, and my family are behind on bills, I can't borrow anymore money to get back and forth to my XXXX, which puts all of my hard work at risk! I'm angry to say the least and worried. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have a low overdraft, XXXX checking account parts came in and we were sh the money to pay the bills, they ran XXXX {$30.00} fees and will not return the second one, we are stuck with a member concerned manager who told me they have every right to not run a courtesy refund even wil us putting the funds. We were that too many courtesy fees.

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 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
MOHELA is not withdrawing my payments from my bank account and is notifying me very late such that I do not have time to fix the issue. Their website says to expect a response within XXXX business days and this is not the case. They are putting my loans in administrative forbearance without my consent and are not responding to my multiple inquiries. It is very challenging to reach them over the phone and takes an inordinate amount of time to get help and no one at MOHELA has been able to resolve my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: IN

Complaint narrative:
See Attached : I am submitting a dispute. I have recently checked my credit report and noticed some inaccurate accounts reporting.

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 2024-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I HAVE RETURNED MAIL FOR A XXXX XXXX WHO DOES NOT WORK HERE.  I HAVE RETURNED OVER 4 TIMES AND SENT A LETTER.  THIS IS PRIVATE INFORMATION FOR A INDIVIDUAL.  THEY KEEP SENDING MAIL FOR A XXXX XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  NO ONE KNOWS THIS INDIVIDUAL.  THEY NEED TO REMOVE OUR ADDRESS AND CONTACT XXXX XXXX FOR A UPDATED AND CORRECT ADDRESS.  IT SAYS ON THE ENVELOPE RETURN SERVICE REQUESTED SO WHY ARE THEY SENDING HIS MAIL AFTER I SENT NUMEROUS RETURN TO SENDER PLUS A LETTER.  IT IS BANK OF AMERICA XXXX XXXX XXXX XXXX, TN 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 2024-03-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXXXXXX XXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXXXXXX XXXX - Account Number : XXXX - XXXXXXXX XXXX  - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I cosigned on a car in in XXXX. Since then I did not receive any correspondance from Santander. The other person on the loan crashed the car in XXXX and I had no idea until I took the other person to court for a seperate matter in XXXX. I never received anything from Santander stating that the car was in an accident and that is was being appraised or anything in regards to the account. I was told by the other cosigner that the insurance had paid off the car in total and there was no balance on the account. Again I was unaware to the issue and had no idea that any of that happened until XX/XX/XXXX when I received a letter stating there was a balance on the account still. I called Santander and requested they stop contacting me immediately in every way including emails, texts, and calls. I kept receive emails even after I requested to not be contacted. I called again in the beginning of XXXX to reiterate that I had already requested to no longer be contacted and I even mentioned to the associate that I was never contacted in regards to the car until XXXX. The associate stated that they did indeed send me all necessary documents. I asked to speak to a manager. I got transferred to XXXX in the executive office. I explained the situation and immediately her responses were cold and rude. She stated that it is a personal problem and that I should figure it out. I mentioned to her that I was not informed when the car was in an accident or at all and she ( XXXX ) stated that they DID NOT have to send me correspondance because they were dealing with the other person on the loan so she blatantly lied to me as well as the associate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To whom it XXXX concern, My name is XXXX XXXX. Hope all is well. On XX/XX/2023, I have made a transaction to bank in XXXX ( XXXX XXXX ). As soon as I realized that I made a mistake in the transaction I recalled a wire back. It all happened within XXXX hours. I went to Bank of America XXXX in New York and the manager recalled the wire promising that the money will be back to my account within a week. The recalled amount is EUR XXXX. Since that time I didn't receive any money back to my account. Bank of America is telling me that the last time they have been in contact with XXXX XXXX in XXXX, 2023 when they said that the money have been sent back to my account. I have been calling to my bank couple times per month but they still telling me that I have to wait because they have no response from the other bank. please I will really appreciate if you can help me with my case because I don't know where my money is. My case number at Bank of America is XXXX. 
Thank you

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 monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried recently at least XXXX times to have Transunion take a look and investigate items on my credit report and to all three there has been NO RESPONSE except the computer generated authorized third party letter ( Stall letter because they don't want to do their job ). I have sent in items that verify that it is me requesting the investigation with all three letters and still nothing gets done. This is willful noncompliance in accordance with 1681n. Civil liability for willful noncompliance. Please take note of the dates of the letters that I sent as well as the dates of the stall letter responses.

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 2024-03-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed in document

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 2024-03-06 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: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Account Number : 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 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
MOHELA de-certified my current employer. Consequently, my recent payments have not counted. I wrote and informed them that I just submitted the paperwork and that my employment status has not changed. Additionally, they are declining to credit my account the XXXX months that it took for them to place me in the XXXX program, despite it being a lengthy time and that it was considered administrative forbearance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My car was a result of a total loss which I was told was paid off and covered through XXXX XXXX as well. Fraudulent charges

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