vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 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: WV

Complaint narrative:
In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-10-02 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:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy.

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.

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 2023-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
I had a XXXX XXXX account that was closed on XX/XX/ when I switched to another provider. This provider was XXXX  Upon cancellation, XXXX sent me a bill for {$5100.00}. 

On XX/XX/XXXX XXXX a bankruptcy was filed in the United States District Court in XXXX Texas. This case number is XXXX. XXXX XXXX was included in the verification of creditor matrix. This is a XXXX XXXX bankruptcy filing. 

XXXX continues to pursue collection on this debt. As of XX/XX/, they turned this debt over to a collection agency. This collection agency is McCarthy, Burgess and Wolff.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 explanation
Consumer complaint received 2023-10-02 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy.

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

I requested this account to be updated over 2 months ago and have bee ignored by the reporting agency. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
All reporting agencies and the three credit bureaus have messed my personal address and name and birthdate I have one address it is on file with cfpb along with spelling of name and birthdate.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
All reporting agencies and the three credit bureaus have messed my personal address and name and birthdate I have one address it is on file with cfpb along with spelling of name and birthdate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I was checking my credit report, XX/XX/2023 and I realize I saw some accounts in collections on my report that are in accurate and out of date and still reporting...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a mortgage through BSI Financial on my condo in XXXX XXXX, Alabama. The mortgage payment has been {$2900.00} each month and is automatically drafted from checking account. 

On XX/XX/XXXX, BSI Financial drafted {$5100.00} ( {$2100.00} more than what my normal payment ) from my checking account. When I called to find out why they drafted so much, they informed my that they applied a forced place flood policy to my escrow- despite the fact that we already provided the policy to BSI Financial. During my call, I emailed the policy to the customer service agent and she indicated that a new escrow analysis will be completed and my payment would be updated within 5 days. 

After my call with BSI, I called my bank XXXX Bank XXXX XXXX ) and had them reverse the payment to BSI since it was incorrect. XXXX did in fact reverse the payment for me on XX/XX/XXXX. 

Since then, I have called BSI multiple times per week ( sometimes multiple times per day ) to have my XXXX payment amount updated so I can make a payment. I can never get a consistent answer from anyone at the company. I've been told to simply wait longer ( despite the fact that I'm incurring late fees ), I've been told they still don't have my flood insurance policy, I've been told the escrow analysis was complete, then told the analysis was never done, etc. 

I've spoken to a supervisor- XXXX XXXX- who gave me his direct email address. I've emailed him multiple times ( as has my wife ) trying to get a resolution to this. He hasn't responded to any of our emails. 

I simply want to make my accurate mortgage payments without late fees. We're now in XXXX and my XXXX payment will soon be due on top of my XXXX payment, and I have no confidence that it will be accurate either. I need help getting BSI Financial to provide an updated escrow analysis and updated mortgage information so I can make my payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: MN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is providing outdated information to my creditors. Although delinquent items have been removed from my credit report, my creditors are receiving information directly from TransUnion stating that I have delinquent items on my credit report. There are no delinquent items on my credit reports when I view them, however TransUnion is providing incorrect information to my 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 2023-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF XXXX AND IDENTITY THEFT. ive been contacting the credit bureaus for months and they have ignored my disputes sending them through a machine which is illegal in the first place.

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 2023-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
my car was XXXX at the end of XXXX when I was out of town on a vacation fell behind after XXXX paid {$3000.00} what I know at the time was way more then I owed my payment are {$540.00} but before my car was XXXX and before I fell behind I was never late. citizen auto loan put my car on a chargeoff status making that I have to call in my payments now there are missing payments on there end and now they saying Im XXXX behind and im not I spoken to some at the begining of XXXX I was around {$1700.00} behind made a payment of {$540.00} bringing it down and was told then I would owe {$1100.00} I spoken to a lady and told her I will be making another call in payment of {$540.00} on XX/XX/XXXX on XX/XX/XXXX they tried to take out that payment causing it to bounce I called on the XXXX to try to make that payment and rudely told I was XXXX behind owing {$2700.00} and that I was missed inform as I went back in my payment history with them im not im only XXXX they received payments on XX/XX/XXXX of {$3000.00} to get the car back missed XXXX XXXX was XXXX payment of {$220.00}, {$130.00}, {$220.00} {$100.00} XX/XX/XXXX made a payment of {$220.00} XX/XX/XXXX made a full pay and on the XXXX they refused the of {$540.00} saying I had to pay {$2700.00} to keep my car. ever since I had my car repo I don't get a email of posted payments I only owe {$1100.00} with a 10 day grace period to clear up. told them ill pay every XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In the morning of XX/XX/23 I woke up to an email from Chase that my credit card application was received. I never applied for a credit card, so this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: AK

Complaint narrative:
I invested XXXX of insurance money from an injury they then locked account and took funds wont let me access or get back nor will they give a reason. RobbinHood hood steals from the poor to make themselves rich.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, XXXX XXXX stole {$360.00} and {$1000.00} from my Chime Checking account fraudulently. I do not know who she is. I disputed the transaction and was denied. Shortly after I was in the hospital for a month. I have XXXX. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02 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: MN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-02 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: MN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-02 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-02 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: IL

Complaint narrative:
I AM A VICTIM OF XXXX AND IDENTITY THEFT. ive been contacting the credit bureaus for months and they have ignored my disputes sending them through a machine which is illegal in the first place.

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 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Its my fist hand personal knowledge im XXXX XXXX  i was falsely mislead by bankers aramis on XX/XX/2023 that the check i deposit was clear all funds would be available so went home the on XXXX i went online call them to place a wire they said go a head i place the XXXX wire they block me immediatly i reduce it to XXXX they put a hold on fraud dept then they started flagging my acct for fraud every transaction i spebt hours a days verifying myself then they claim they didnt know me and block the acct told me they have to send me a letter before i could have access i was shut down again its weird im from law enforcement fraud never saw such abuse of power i was feeling discrimination as though i was a target i never violate laws codes im injured XXXX XXXX they say they can do us anyway they feel the fraud department is always in The XXXX  evey agent is rude non infornativedevisive saying we dont have to discuss issuses with your account leaving me stagnate in my buisiness moneys on hold its deceptive out source agents abusive denying me of basic questions about my personal assets i have a ministry i know the XXXX  well then i call citibank yesterday XXXX  XXXX I on o find out if a wire fir. XXXX went out i was on the phone with bank agents for hrs they say acct was restricted for questions i spoke the citi bank XXXX  outsource office fraud dept a rude angry XXXX  lady verify me she wouldnt be calm and answer a simple question she said the acct was restricted i said which one sge ignore me it was frustrating she said u dont hacmve to tell you i will call you back she hung up in my face i call back i spoke to a kind XXXX  lady agent lesly she was night and day positive answered all concern about wires but said her power was limited i still need transfer to fraud so a lady name XXXX  came on from Fraud was rude XXXX devisive cut me off saying we closed your acct we dont have to explain we will send you a letter she slammed the phone i called back for a supervisor got A XXXX  on the phone XXXX  was rude devisive slight harsh repeated quickly we closed your acct any money left we will send you a check i said when she slammed tge phone in my face every fyi sadly this month all XXXX plus citi customers has had accts closed and still 60 days has got no check i said this is abuse of power deprivation of rights civil human rights truth in lending predatory practice i look online for reviews complaint in XXXX they closed dozens of customers accts for no reason without disclosure can you guys or sec .or Federal reseve treaury fine them they just paid out XXXX XXXX mill in fines to the sec i need help rights reserved without recourse ucc1-308

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 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: UT

Complaint narrative:
My name is XXXX XXXX, and I am a student in school. I have submitted an in-school deferment form to Edfinancial via multiple avenues as they kept ignoring the deferment request, and they put my loan as past due. Here are what I have have done addressing the issue : I have uploaded the form at Edfinancial website on XXXX, and I called them on the XXXX to verify. They acknowledged they received it. Today XXXX, my loan is stated as PAST DUE. 

Just to make sure that the issue does not get ignored, I have faxed the in-school deferment form via XXXX ( I have a receipt ) on XXXX. I have sent it via USPS Priority with signature verification ( I have a receipt ). All these precautions and costs did not matter as EdFinancial did not put my loan into deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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