vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 non-monetary relief
Consumer complaint received 2024-11-26 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: MI

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 non-monetary relief
Consumer complaint received 2024-11-26 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: CL Holdings LLC
State: FL

Complaint narrative:
This collection account by Jefferson capital systems has failed to prove its validity and violated my FCRA rights more than once. I have requested multiple times proof of debt and they have never responded because this account does not belong to me nor do I have any business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX  XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}

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 2024-11-26 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: NJ

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-26 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: TX

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 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX the XXXX I was incarceration until being released on XXXX the XXXX during that time someone was using my debit card on one day they did XXXX and something out of my account and XXXX one day out of my account and of course chase is denying my claim because they said someone in my house must of did that so I must have gave them my pin number but I did not authorize any of those charges. I had to sit in XXXX  for XXXX weeks because someone was spending my money I could have gotten out of XXXX  the very next day when my deposit hit my account but no I had to wait XXXX weeks for my daughter to come up with the money .so chase is saying that I need to take it up with who ever I love with. That could be several people in my house but my thing is I did not authorize anyone to use my card. But chase is denying my claim I sent in my proof of incarceration showing I was in incarceration. I don't understand why just because they used it as a debit they denied it ..what do I do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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:
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 2024-11-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern : I am writing to formally request your assistance in resolving an issue regarding two accounts on my credit report that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). The accounts appear to represent the same debt, and I have repeatedly reported that neither account is mine due to fraud. Despite my efforts to dispute this, the accounts remain on my credit report, negatively impacting my credit. 

Below are the details of the accounts in question : Account XXXX : Creditor : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Charged off ; {$650.00} written off Account XXXX : Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Type : Debt Buyer Date Opened : XX/XX/XXXX Status : Collection account ; {$650.00} past due as of XX/XX/XXXX I initially reported this issue to XXXXXXXX XXXX XXXX, as the credit card was fraudulently opened in my name. Despite informing them of this fraud, they failed to address the issue, and the account was eventually transferred to XXXX XXXX XXXX. XXXX has since made repeated attempts to collect on this fraudulent debt, and I have consistently informed them that this debt is not mine. 

I believe these accounts are being reported in violation of the FCRA because : The two accounts represent the same debt, which results in duplicate negative reporting on my credit report. 
I have repeatedly disputed the validity of these accounts and reported the fraudulent activity, yet the accounts have not been removed. 
I am requesting that the CFPB : Investigate both accounts and ensure that they are promptly removed from my credit report. 
XXXX XXXX 's XXXX and XXXX XXXX XXXX to XXXX XXXX this fraudulent debt. 
Ensure that XXXX XXXX XXXX stops all collection attempts related to this debt. 
Although I do not currently have additional documentation, I am confident that my disputes and repeated notifications to the creditors, debt collectors, and credit bureaus should serve as sufficient evidence of my efforts to resolve this matter. 

Thank you for your attention to this issue. I look forward to your assistance in ensuring these accounts are removed from my credit report. Please contact me if you need additional information to proceed. 

Sincerely, 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX, XXXX, and Equifax have illegally obtained information about my bankruptcy and inaccurately reported it on my credit profile. I have documentation from the bankruptcy court explicitly confirming that they did not share this information with any credit bureaus, yet it is being reported on my credit file as of XX/XX/year>. This false reporting has severely impacted my ability to obtain credit, as lenders rely on the information provided by these credit bureaus to assess my creditworthiness. The presence of an improperly reported bankruptcy has led to declined credit applications, higher interest rates, and damage to my financial reputation, despite the courts verification that no such disclosure was authorized or made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-26 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: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My name is XXXX XXXX. I am the owner of The XXXX XXXX. I am filling a formal complaint against TRUIST BANK. This will be on record and if not resolved I will be filing a class action lawsuit against the company. For the record, I did file a formal complaint today with a supervisor over the phone at TRUIST BANK as she said she would not be able to transfer me to anyone else higher than her. I contacted ( XXXX ) XXXX on today XX/XX/year> at XXXX approximately 42 minutes on the recorded line. 

To elaborate on my situation. I viewed my business account and had money in my account in the amount of XXXX cent. I spent XXXX cent at my local XXXX. However, the company is saying the did not see that XXXX cents on their end. I am not sure why because, I viewed the amount in my mobile banking app. Upon doing my own investigation. I noticed that XXXX updated my transaction which I am unaware of that through my business account off XXXX cent. This put me in an overdraft in the amount of XXXX cent. I then received a notification from my bank telling me that I was charged a overdraft fee in the amount of {$36.00} dollars. I called immediately and told the representative that this is a misunderstanding, the money was in my account. Also, I never signed anything regarding overdraft protection nor any overdraft fees. The rep then stated that I did not have to acknowledge anything, as this is automatically done if you over drawl any amount. I stated that that information was not disclosed to me when opening my account. Also, if I would have know that, I would have never used the card for XXXX cents. Furthermore, I was unaware of me over drafting, because my mobile banking app said the money was there. If the money was not there, then TRUIST BANK should have never authorized that payment, because I do not have overdraft protection. 

I was charged {$36.00} dollars because my account went over XXXX cents. That is extremely ridiculous. I am telling TRUIST BANK to refund my account in the amount of {$36.00} dollars. I will put two cents in my account to cover the transaction. If this matter goes unresolved, I will be filling an investigation on the company and a lawsuit for other consumers along with myself. Just imagine how much money TRUIST BANK is embezzling over unnecessary fees. I will not stand to get robbed by this bank. 

If this matter is not resolved in 30 days, I will no longer be doing business with them and will be taking the next steps in legal action. 

XXXX XXXX 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 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NC

Complaint narrative:
This company placed a collection on my credit report and I received an alert. I do not have nor have I ever had any business with this organization. This account is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Gave insurance check from claim in XXXX. Previous XXXX fraudulently deposited checks made out to us and Freedom Mortgage. Got a 4th check for over XXXX XXXX that we sent them in XXXX after contractor stole the previous checks and didn't do the work. Have spent time since XXXX trying to get the mortgage company to release our funds so we can pay our contractor. For the last few weeks it's been " under review '' with a management team that won't contact us, gives us conflicting information, and has been no help. We finally got some sort of approval to have 50 % of our funds released with a contractor letter stating he could continue our house repair for that amount and that has also been " under review '' by that same team for weeks. Since XXXX, we have had XXXX funds released to us to pay our new contractor to fix our home from water damage and Freedom Mortgage has been running us in circles despite daily calling to get any funds released to us. Their phone center won't connect us to their banking department managers or our case processor and have been told at least 5 times that " we'll get a call back within 48 hours '' and have never gotten a call. They also won't release any information about the sending of the required fraud paperwork back to XXXX or XXXX XXXX XXXX about when the paperwork was sent, if there have been any updates, or what the status of the investigation is.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  XXXX XX/XX/XXXX {$2300.00} XXXX XXXXXXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief