vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I was called by someone who said they are representative of Citizens Bank regarding past due commercial/business credit card. The individual ID 's himself as XXXX XXXX XXXX XXXX XXXX called me from a blocked phone number, admitted he was not recording the call, gave no mini XXXX, and refused to provide a contact number for customer service to log a complain until he was pressed for several minutes. When asked why had chosen to break the law and why the harsh tone he repeatedly said " is there anything else you need? ". Not only was this unprofessional but it is very illegal what this individual did. Money was levied from my business bank account and when I communicated about how I am a single father of XXXX children and trying to make it in this economy, XXXX XXXX said " so you chose to prioritize your household bills over the financial institution? '' When I replied " yes ''. He said that was a big mistake and for that he refused to return any of the money taken from my account and refused to work on any arrangement on the outstanding debt. The previous representative who did contact me prior to XXXX XXXX, name is supposedly " XXXX '', also did the same tactic and blatantly told me that it was his decision alone to make on whether the money would be returned to me or if they would work on a payment arrangement. And since I did not return his calls he wouldn't be working with me. I have spent over 15 years of my life doing collections on lines of credit, business cards, retail cards, personal loans, vehicle loans, etc. I never operated this way nor broke any of these laws. This individuals need to be removed from their current role as they still think it is 2009 and you can strong a consumer without any consequence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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. I have provided all needed 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 explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On Monday, XX/XX/year>, at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I requested an ACH transfer of {$130000.00} and the closing of my account. At XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I was informed that the transfer would be canceled because the bank could not identify the source of {$3000.00} of these funds. I was told that I would only be able to transfer {$120000.00}. I was then transferred to another department at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to proceed with this adjusted transfer. 

At XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the same day, I received a call from the bank stating that they had identified {$6000.00} of the funds but could not determine their origin because the funds had been in my account for less than 90 days. This is perplexing because these funds had been in another bank account for a longer period before being transferred to Marcus for savings. 

Later that night, at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the {$130000.00} was returned to my account. Following the bank 's instructions, I initiated a {$6000.00} transfer back to XXXX XXXXXXXX XXXX. However, today, XX/XX/year>, I received a notification that the transfer request was canceled because the account number on file was incorrect. During a three-way call with credit union , my identity and the correct routing number were confirmed. Marcus then informed me that they would need to stop this transaction, which had not yet been processed. I updated the bank with the correct account number. 

While I was waiting for this matter to be resolved today, XX/XX/year>, I received a call from the bank at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) regarding my initial request to close the account. They informed me that the available balance was now {$6000.00} less due to my XXXX transfer. I agreed to this and requested an expedited wire transfer of the remaining {$120000.00}. As of now, however, there has been no movement in either of my accounts, and I was informed that my account is frozen until XX/XX/year>. 

This situation is critical because I need these funds for a down payment deposit on my home. If the bank continues to hold onto my money, I risk losing not only the deposit but also the opportunity to purchase my home. These funds are collective and originated from other financial institutions, so I do not understand why there are verification issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: MS

Complaint narrative:
Based on, 15 U.S. Code $ 1681c - 2 a consumer reporting agency shall block the reporting of any information in the 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.

Under 15 U.S Code 1681e ( b ) & 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accuracy.

In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights.

Pursuant 15 USC 1681 section 602A states I have rights to privacy Pursuant 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

I am requesting the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all of the listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTORIZE THESE INQUIRES PLEASE REMOVE THESE INQUIRES PLEASE REMOVE 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 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
FNB processed a fraudulent check in the amount of {$3900.00}. FNB has refused to put the money back in our account due to their error. I immediately notified the bank. I was told an investigation would be started..I was told that I needed to file a police report, which I did. The following day, I attempted to contact the assistant manager as instructed. Her number went into the company directory and there was no individual listed with her name. I was unable to also leave a voicemail. I emailed the assistant manager but received no reply. I've been in the bank several times to speak with individuals regarding this matter and the assistant manager never attempted to engage me in conversation. 

On XX/XX/year> hours provided an affidavit of forgery or alteration and was told that this needed to be signed. I was provided another form which my lawyer advised me not to sign. Since I was unable to return this form for a few weeks I received a letter which was the only written instructions I received from the bank, to return this affidavit or the investigation would be stopped. On XX/XX/year> this affidavit was returned to the bank. However, after I left the bank, the assistant manager notarized this form without my consent and me being present and signing it in front of her. The date on this form was also altered. I filed a complaint with the state notary board and in the process of contacting the local police for criminal prosecution. 

On XX/XX/year> I again presented to the bank and asked about this matter. I was told that I needed to bring in the police report but was never told us. Throughout the whole process I was never provided any written policy, instructions, etc. to indicate how the process worked. On XX/XX/year> I contacted a regional manager and left a message. This message was also unreturned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: MA

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-08-13 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: MA

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to dispute an unauthorized credit inquiry that appears on my credit report dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ]. The inquiry was made by [ KOHLS/CAPONE, XXXX XXXX  XXXX XXXX XXXX ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ Company/Entity Name ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
I checked my credit report and verified that this account that I'm reporting to delete and block is still reflecting on my credit report and its affecting my financial credibility.

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 2024-08-13 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: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
Literally can not get ahold of a live person at this place. Phone system does not allow. They purchased my mortgage from a different provider and I have had nothing but issues with payments getting there on time or even knowing they were late. Can't get ahold of anyone to discuss. They sent an initial letter stating that they purchased my loan and that nothing would change. So I carried about my day. But after a few months, they stopped receiving my auto payments. As the address I was sending to must not have worked anymore. I finally got it resolved on my end, but then got hit with Fees and a delinquent report on my credit report. I have never missed a payment in my life. I now can't even talk to anyone about this. Seems like this company is in business to make it challenging to do business with and charge late fees. So upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX : # I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

Resources ====================================== Grab Your Credit Report With For {$1.00} For 7 Day Free Trial XXXX 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 2024-08-13 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX : # I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

Resources ====================================== Grab Your Credit Report With For {$1.00} For 7 Day Free Trial XXXX 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 explanation
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2024-08-13 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: IL

Complaint narrative:
On XX/XX/XXXX I disputed a collection on my credit report from XXXX XXXX XXXX XXXX stating that this company does not have a lisence to collect in the state of Illinois and to remove from my credit report. 

Experian the next day updated the credit report with a different address of XXXX XXXX XXXX. No research, no removal. 

I am asking they provide proof of their collection agency license as well as validate the original debt that they claim I owe with signature.

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