vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Contacted company and asked why, company is only reporting to XXXX, and not the other two bureaus : transunion and 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 2025-01-03 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:
Contacted company and asked why, company is only reporting to XXXX, and not the other two bureaus : XXXX  and experian

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 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I attempted to setup payment plans with 3 synchrony credit accounts, also had an agreement on another line which was no interest, $ $ a month and removal of late fees, over the limit fees that occurred with late fees. I asked on several occasions for a monthly statement they ignored my request so stopped sending money to an account that was unusable and principal amount was not decreasing amount owed seems i was scammed? The other three are similarly, hit hard times wife lost job, medically cost are high, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not work. After I pay my rent and utilities which leaves me very little for food. Interest rates of 30 to 35 % is ridiculous as they kept raising rates, also continously piling on late fees, interest, over limit fees, I've told them after several conversations to stop calling and harassing me daily several times a day. Synchrony and XXXX XXXX are predatory creditors.

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 2025-01-03 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: GA

Complaint narrative:
Hi, I would like to initiate an investigation into these accounts as there seems to be some confusion regarding their accuracy on my credit report. Although they were removed before, they have been added back without my awareness. I was neither notified of this change nor received any correspondence in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Ingo Money, Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I attempted to cash a check in XXXX using the services provided by Ingo Money using the free XXXX cashing option. After submission, I received a notice that the check was not accepted and would not be cashed. The next day, on XX/XX/year>, I attempted to do so again, as no specific reason was given. The check was, once again, denied. I called customer support in an attempt to figure out what the issue was. I was initially told that because the last name on the check matched mine, it was considered " high-risk '' and that they would not cash it. When I pressed the customer support representative for the reasoning behind it, I was rebuffed and told that it would violate their privacy policy. I escalated the case to a supervisor, who then changed the reasoning that personal checks can not be cashed using the free 10-day option because they were considered " high-risk ''. However, just like the initial customer representative I spoke to, I was rebuffed when I attempted to ascertain the reasoning as to why it was considered " high-risk ''. I asked if there was any way to expedite the transaction so that I could do a one-time exception so that I would have access to all the funds of the check because I need the entirety of the check to pay for life-saving medications and the supervisor refused. 

I currently only use XXXX to bank and now have no avenue to cash and receive the full value of this check. 

To note, these policies are not listed anywhere that's easily visible. Had I known this would be an issue, I would have found a different way of getting the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I kindly ask for your help in investigating accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, which they agreed to, yet the late payments are still being reported. Despite contacting them, I havent received any updates, so this is my last option.

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 2025-01-03 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.

Complaint narrative:
I reviewed my consumer reports and noticed that i had a late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy i have never been late on payments for the account XXXX XXXX XXXXXXXX Please investigate and and provide proof with statements showing that these payment were late, If proof cant be provided i demand these payment be updated to on time as they should be as i was NEVER late. Thank you in advanced. 
15 U.S Code 1681 e- Compliance procedures b ) 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

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 2025-01-04 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-04 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: NC

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 non-monetary relief
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up.

Please send me an updated copy of my credit report after your reinvestigation. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I went to make a withdrawal from my XXXX XXXX account and was told I needed a second form of id when I gave it to her my pay pal card stop working.. i told the tech if someone ordered a new card in my name with the same number I would never have know and they agreed and after finding out the XXXX was different I was able to get my money and file a dispute and get more money back the next day within XXXX hours of the XXXX and then XXXXXXXX XXXX test deposit came in to all my banks I dont recognize and pay pal refuse to give me a new account number or let me know every single time my email gets changed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: OK

Complaint narrative:
In reviewing my credit report I discovered several collection accounts. I then contacted those companies and requested copies of all records and documentation including but not limited to their right to collect which would require a copy of their purchase contract with the original creditor or the assignment of the debt to them. If they do not provide authentication and documentation that shows that they purchased the account ( s ), what they paid for it and that they have a lawful right to collect the item ( s ) MUST BE DELETED AND REMOVED from the report. Federal requires this under 15 USC 1692g, 1692c, and 1681e ( b ). 
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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-03 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: CA

Complaint narrative:
The following inquires are lowering my credit report and prevented me from obtaining bank funding XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/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 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 2025-01-03 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: CA

Complaint narrative:
The following inquires are lowering my credit report and prevented me from obtaining bank funding 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 XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Village Capital & Investment LLC
State: LA

Complaint narrative:
I checked with my existing mortgage holder, Village Capital, regarding doing a VA Interest Rate Reduction Loan ( IRRL ) on my existing loan. The loan terms presented were unfavorable, offering me approximately XXXX dollars of savings a month with no recoupment, given the addition of closing costs. Village Capital made six phone calls to steer me into refinancing, but I had to flatly refuse their final phone call as they were getting pushy.

I discovered that Village Capital and Investment was previously sued for the same action. Referencing XXXX XXXX XXXX, this company was charged with misleading consumers about the benefits of a VA IRRL .

I am informing you that Village Capital and Investments is resuming its previous tactics. Despite no tangible benefit, they were very forceful about trying to get me to refinance. Saving only XXXX a month with a rate drop to XXXX does not fall in the VA XXXX guidelines- which requires a tangible benefit to the veteran and recoupment of associated loan costs ( closing costs, loan fees, etc. ) in 36 months. They attempted to get me to do an IRRL twice, and I refused. I am concerned they may be misleading gullible veterans, so I am reporting this issue to you for further investigation.

Village Capital is a predatory lender and did not learn anything from their first go around using predatory tactics to steer veterans into a refinance that does not benefit the veteran but enriches Village Capital and Investments. 

I can be reached at XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me XXXX Hope you can address this soon, please.

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 2025-01-03 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 recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.

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 2025-01-03 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: CT

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have a savings account with Bank of America that is getting charged an XXXX XXXX monthly fee because I can not keep a minimum balance in it. However, for close to XXXX  months now, I have been attempting to close the account and have been unsuccessful. 

I first tried calling but on several occasions, I have been on hold for over an hour before getting to a person and eventually have to give up. 

I then tried chat and they said I had to either call or go into a branch. Well, I don't have a banking center that is close to me, so that doesn't work. 

So, back to the phones, trying to close the account. I have now called over XXXX  times and each time, I have been placed on hold longer than an hour before I finally give up. I have tried on different days, different times of day, and different days of the week to get through to someone and have been unable to do so. 

If Bank of America isn't going to staff their call centers to be able to assist their customers, then they should have an alternative to close an account so I don't get charged a fee anymore. I have now been charged {$24.00} ( $ XXXX ) since I decided to close the account. 

At the time of me submitting this complaint, I have been on hold with Bank of America for XXXX minutes and still have not spoken to anyone.

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 2025-01-04 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: OK

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account XXXX  XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. 
Please send me an updated copy of my credit report after your reinvestigation. 
XXXX XXXXXXXX

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