vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: PA

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2024-08-20 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:
The economy is bad and so is my credit report which is way much worse, which has inaccurate information on it causing me XXXX  XXXX. Didn't know upholding my rights as a consumer is this frustrating it's making me XXXX, I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
We had an account with a XXXX at XXXX XXXX interest rate that was bought by citizens for approximately XXXX in 2021 citizens took over the account we tried to take our money out, but without a local branch we could not get a pin to access our account, nor change the account to a better rate we believed we were getting a competitive rate because it was listed as a variable rate and we were told it would most closely match our account instead the account paid XXXX XXXX or effectively no interest we went to remove our money and figure out a process XX/XX/XXXX and spoke with a manager who said we would have to send a letter and have ID included this is when we realized we had been paid a negligible amount of interest we asked if there was another account we could have been put in at the time of takeover, and the supervisor answered no all accounts had that rate which sounded strange that a bank would offer no interest after our call I checked and saw many offerings for larger rates, but could not contact the same manager to understand what he meant it seems like a predatory situation where they buy accounts then purposely dont have comparable interest so they can not pay interest they easily could have given us a comparable interest rate, but we could not easily change our account or withdraw our money because of their policy of making us go to a local branch and get a pin to access our account..we called again today XX/XX/XXXX, after being hung up on after XXXX minutes call, then when calling again a citizens manager let me know they have no arbitration or help for this situation and told me my only way to proceed was to engage legal representative on our behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: IL

Complaint narrative:
I am writing to request a reinvestigation of the following item on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: IL

Complaint narrative:
I am writing to request a reinvestigation of the following item on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item : Account Name : XXXX XXXX XXXX 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 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was on my vacation in XXXX, and XX/XX/XXXX I got a message from Us bank about fraud transaction, I put " no " it no my purchase, call to bank and block my card. But later I saw XXXX transactions on my card. I called US bank again and explained the situation. They assured me that card was blocked and I am not responsible for it and I will get provisional credit. Later XXXX more transactions appeared on my account, I called US bank again and again. XX/XX/XXXX I saw {$210000.00} debt on my account and call USbank again. The representative was rude, do not want to listen me and said the case is close because transactions were before I call. It is nonsense. I call when usbank send me alert, but they dont sent me alerts when someone used my card for huge amount. USbank does not want to speak with me and be fair, and these XXXX transactions not mine for sure. I explain when I saw and used this card and what is not mine. Total ignore and rude attitude and put on my account {$2100.00} that is not mine! Please help me with this situation.

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 2024-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: NJ

Complaint narrative:
We are from XXXX XXXX, and before the XXXX XXXX  XXXX of XXXX XXXX ( who was our lender ) was shut down for XXXX XXXX in 2007 and people went to XXXX, they were the originator of our loans, last one was in 2004, total {$110000.00} But in 2005 XXXX  XXXX  sent another refinance offer and contract to us in the mail. But since we were not interested, we did not sign or return the contract back to them as they had instructed. 

However, unbeknownst to us, XXXX increased the principal from about {$100000.00} by that time, to the {$130000.00} that is on the new contract ; and since we had refused to sign, ( obviously they had copies ) so they forged our signatures, and under the guise of a transfer, they sent our loan to US Bank Home Mortgage in XXXX XXXX. 

It took years, but with help from the ( CFPB ) for another problem, we were finally able to receive evidence from a US Bank XXXX named XXXX XXXX ; and a copy of the contract with our missing signatures confirmed what we had already suspected. 

We did XXXX loans with XXXX XXXX, XXXX in 2003 and XXXX in 2004. But in 2004 when we received our copies of documents, we did not realize it until much later, that our ( signature page ) with the 2004 signatures were missing ; and they later used the 2004 signatures on the 2005 contract. 


We are not disputing the entire loan, but before 2018, and definitely since 2021, we have been trying to get the US Bank to subtract the fraudulent amount from the principal, so that we can receive a correct payoff and refinance at home again. 

But we are not getting the help we need from US Bank and not only do we have the original unsigned contract that we can show for evidence and prove that a copy was made, the absence of evidence is also evidence. ( No cancelled Check ). 

We never received the money for which this contract was created and exist as unsigned. So to prove this, we have asked US Bank to send us a front and back copy of the cancelled check, ( which normally we would have a right to receive ). But we want them to either prove that we received this money or subtract the fraudulent amount from our principal balance. 

But ever since the date ( s ) they have responded back to us through the CFPB in 2018 and the last time in 2021, to this date in 2024, we never heard from US Bank again about this problem ; and even though their letters state that they might even contact us for more information, we are still waiting... and we wish to finally resolve this problem.

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 2024-08-20 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: GA

Complaint narrative:
I have no affiliation with these unknown addresses and I have reached out to the credit bureaus on numerous occasions about the discrepency but no response. I would like all addresses to be removed from my credit report immediately. 


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 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 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 non-monetary relief
Consumer complaint received 2024-08-20 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: TX

Complaint narrative:
Upon checking my credit I noticed quite a few accounts that do not belong there. I have never done or contracted any agreement with the following companies therefore these accounts are fraudulent and are not permitted to be on my report. I also have not granted any of this companies permission or authority to conduct any fidicuary duties on my behalf. Any consent granted otherwise is now officially rescinded and any arbitration agreement opted out of. My right to privacy has been severely violated along with FCRA and FDCPA. I am demanding immediate deletion or show certified proof of alleged debt or agreement and that all transactions adhere to XXXX practices and guidelines. I can assure that none of these will be made available to me so these items need to be deleted permanently or I will seek damages to the highest extent of the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries do not belong to me as I have not sought or obtained any credit or opened any accounts. I also have not applied for insurance. 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 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 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 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 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 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 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 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
This is fraud. I have never done or contracted any agreement with the following companies therefore these accounts are fraudulent and are not permitted to be on my report. I also have not granted any of this companies permission or authority to conduct any fidicuary duties on my behalf. Any consent granted otherwise is now officially rescinded and any arbitration agreement opted out of. My right to privacy has been severely violated along with FCRA and FDCPA. I am demanding immediate deletion or show certified proof of alleged debt or agreement and that all transactions adhere to XXXX practices and guidelines. I can assure that none of these will be made available to me so these items need to be deleted permanently and immediately or I will seek damages to the highest extent of the law. 

- [ ] 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 monetary relief
Consumer complaint received 2024-08-20 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: CA

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress 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 2024-08-20 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: CA

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. XXXX XXXX is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-20 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: TX

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 explanation
Consumer complaint received 2024-08-20 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: NC

Complaint narrative:
These overdue payments dont match my regular payment history.

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 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TN

Complaint narrative:
I am a victim of fraud by XXXX XXXX XXXX, and I can not find anyone to help me. I do not nor never had an XXXX XXXX XXXX XXXX, I dont even know what you do. I have an XXXX XXXX XXXX, and I have a very good customer. I had charges from XXXX for months before I realized that was not charges from my regular spending on XXXX for cat food and toilet paper. It was charges from XXXX XXXX XXXX XXXX My Discover card has been useless, and XXXX customer service is even worse. I dont have an account from XXXX so no one can help me. I keep getting the run around for months. Discover Card can not get the information they need from XXXX so they will not dispute the charges. XXXX will not release the information about whos account these charges were on because of security reasons. I am stuck with these charges, and no one will help me. When I put a report into XXXX I think Im talking to a computer because its not intelligent information. 
{$2300.00} was charged to my account from XXXX  2023 to XXXX  2024. I have been fighting this for months. I finally reached someone from XXXX customer service that was from the united states and she gave me a list of the transaction ID numbers. Nothing came through on my Discover card but charges and the name XXXX XXXX XXXX XXXX When I finally was able to open a dispute with XXXX  they asked me to prove the transaction ID numbers, so I sent them the email document from XXXX They tell me I need to contact XXXX XXXX or provide me with the transaction ID which I did. 
CASE XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] I keep going around and around. Discover Card said the charges are valid because no one at XXXX will give them any details. Someone from XXXX XXXX told me that they are NOT my charges and were from another account, she can not give me the account information because it was not me, but said she sees its not related to me in any way and that charges are fraudulent but from XXXX so I need to work with your fraud team. XXXX fraud team says I dont have an account so I have to work with the retail department because that is the only account I have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: FL

Complaint narrative:
They are reporting duplicate accounts on my credit report, which are accounts ending in XXXX and XXXX. 

My account with XXXX was never late! I have had exceptional payment history witH XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe harm to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX and XXXX of 2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late, and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and it was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports and remove the duplicated account.

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