vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 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: OH

Complaint narrative:
Based on the FCRA 15 USC 1681 ( 5 ) ( A ), the account with XXXX XXXX has several violations which include : XXXX XXXX Based on the provided credit report information, here are the discrepancies and inconsistencies found between each credit bureau : Account Holder : XXXX : XXXX XXXX : XXXX Equifax : XXXX Inconsistency : The account holder information is partially redacted, making it difficult to confirm if it is the same across all bureaus. 
High Balance : XXXX : {$770.00} XXXX : {$710.00} Equifax : {$770.00} Inconsistency : The reported high balance differs between XXXX and XXXX. 
Monthly Payment : XXXX : {$99.00} XXXX : {$97.00} Equifax : {$99.00} Inconsistency : The reported monthly payment differs between XXXX and XXXX. 
Last Reported : XXXX : XX/XX/2023 XXXX : XX/XX/2023 Equifax : XX/XX/2023 Inconsistency : The last reported date differs between XXXX and XXXX. 
Past Due - XXXX  Days : XXXX : XXXX XXXX : XXXX Equifax : XXXX Inconsistency : The number of past-due days ( XXXX  days ) differs between XXXX, XXXX, and Equifax. 
Remarks : XXXX : - XXXX : Canceled By Credit Grantor Equifax : Account Closed By Credit Grantor Inconsistency : The remarks differ between XXXX and Equifax. 
Responsibility : XXXX : Individual XXXX : Individual Account Equifax : Individual Account Inconsistency : The reported responsibility type differs between XXXX and XXXX. 
Credit History Timeline ( Late Payments ) : There are discrepancies in the reporting of late payments ( XXXX, XXXX, and XXXX  days ) across the XXXX credit bureaus. Detailed information about specific months is not provided, so it's challenging to identify the exact inconsistencies in the timeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Based on the FCRA 15 USC 1681 ( 5 ) ( A ), the account with XXXX XXXX has several violations which include : XXXX XXXX Based on the provided credit report information, here are the discrepancies and inconsistencies found between each credit bureau : Account Holder : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistency : The account holder information is partially redacted, making it difficult to confirm if it is the same across all bureaus. 
High Balance : Experian : {$770.00} XXXX : {$710.00} XXXX : {$770.00} Inconsistency : The reported high balance differs between Experian and XXXX. 
Monthly Payment : Experian : {$99.00} XXXX : {$97.00} XXXX : {$99.00} Inconsistency : The reported monthly payment differs between Experian and XXXX. 
Last Reported : Experian : XX/XX/2023 XXXX : XX/XX/2023 XXXX : XX/XX/2023 Inconsistency : The last reported date differs between Experian and XXXX. 
Past Due - XXXX  Days : Experian : XXXX XXXX : XXXX XXXX : XXXX Inconsistency : The number of past-due days ( XXXX days ) differs between Experian, XXXX, and XXXX. 
Remarks : Experian : - XXXX : Canceled By Credit Grantor XXXX : Account Closed By Credit Grantor Inconsistency : The remarks differ between XXXX and XXXX. 
Responsibility : Experian : Individual XXXX : Individual Account XXXX : Individual Account Inconsistency : The reported responsibility type differs between Experian and XXXX. 
Credit History Timeline ( Late Payments ) : There are discrepancies in the reporting of late payments ( XXXX, XXXX, and XXXX  days ) across the XXXX credit bureaus. Detailed information about specific months is not provided, so it's challenging to identify the exact inconsistencies in the timeline.

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 2024-02-08 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: Advanced Resolution Services Inc.
State: NY

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  ( Original XXXX XXXX XXXX  ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX  ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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 am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXXXXXX - 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 2024-02-08 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: CA

Complaint narrative:
I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: SC

Complaint narrative:
There is an open account on my credit report that I have no knowledge of.. I would like for this to be removed from all credit bureaus and removed from my report as it is hindering me to move forward..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-02-08 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blackrock Mitigation Group LLC
State: OR

Complaint narrative:
I was contacted by blackrock mitigation asked what this was about, they said they have been trying to serve legal documents for court action, but have not been able to do so with many attempts, no one has done that at my current address of ten years, I proceeded to ask what company they were collecting for, they could not give me info without permission from there manager, at that point I knew it was a scam, bad thing is they had ss # & address and name, ,they need to be contacted someway by you, I checked my credit report I do not have anything to collect on, there phone # XXXX, from Indiana That's what caller i.d . said Thank you

Company response to consumer: Untimely response
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR

Complaint narrative:
I was scammed by a job posting and they sent me fake checks and my bank Usaa is not helping me even though I reported and filed for chargebacks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: NC

Complaint narrative:
On XX/XX/year>, I received an email from XXXX XXXX XXXX XXXX ( located at XXXX XXXX XXXX XXXX, NJ XXXX ) concerning an alleged debt for XXXX XXXX under XXXX XXXX # : XXXX. I disputed the validity of the debt with XXXX XXXX XXXX via e-mail and their online dispute form. According to XXXX XXXX XXXX : " If you write us by XX/XX/year> we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at https : //mrsbpo.com. 
Although I disputed this account and have not received any response, I am seeing a collection with XXXX XXXX on my Experian credit report. I also received no contracts to validate the alleged debt. I am submitting proof that my dispute was submitted before XX/XX/year> and so there should be no collection from XXXX XXXX on my credit repoit.

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 2024-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
XXXX XXXX XXXX  Home Depot has charged me insane interest. I have a promotional balance on XXXX card of {$1700.00} that was due to expire on XX/XX/24 ( account ending in XXXX ). On XX/XX/24 I paid {$1700.00}. Home Depot decided to split the allocation between multiple purchases rather than pay off the promotional balance ( as I requested ) and on XX/XX/24 charged me {$580.00} in interest. They did the same thing on another account earlier this year ( account ending in XXXX ). That amount was only {$52.00} but it is still absurd.

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 2024-02-08 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Over the last 3 months I have been trying to use this AMEX gift card I got from my work as a Christmas present. It has been declined every time. I finally called Amex and they said it should work now. I tried it again twice and it still is declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 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: NJ

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 2024-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: AL

Complaint narrative:
On XX/XX/year>XXXX  my mortgage company ( Planet Home Lending ) sent me a Escrow Analysis. 
The issue is there is a difference the Expected Amount Due and Actual Amount Due in regards to my home insurance and property taxes. The differences is {$310.00}. Some how they claim that there is a shortage of {$2200.00}. This is unacceptable and I need your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: SC

Complaint narrative:
The following accounts were used unauthorized. It affects my credit file and lifestyle. I need help to remove the following accounts from my credit report. 
XXXX. XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX. XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
on XX/XX/2024 i reached out to ic systems to disclose what information they had pertaining to the fraudulent account open what signed contracts etc i was unable to get information or get a resolution to my concerns i would like to remove the accounts from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: WI

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 2024-02-08 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: VA

Complaint narrative:
Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX regarding the Alleged XXXX XXXX XXXX Account No. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: MA

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate account reporting. I contacted the credit bureau and they failed to follow-up with my complaint of multiple unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX in the estate of XXXX XXXX XXXX. The final action I am trying to do was to close the estate account number. Santander bank issued me check number XXXX date XXXX XX/XX/XXXX. The problem is the check was made out to the account that was just closed. My bank refused to deposit the check. 
After many calls I was instructed to return the check to : XXXX XXXX XXXX, Ma which I did. I received a letter dated XXXX XX/XX/XXXX from XXXX XXXX  and was told they are a back department and does not deal in monetary instruments. They did not return the check. 
On XXXX XXXX a supervisor named XXXX XXXX told me the check would be canceled. He did not say if and when I would get a check reissue.

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 2024-02-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
No instead of giving me information they just lied and told me that it's my fault they keep blocking my account. When it's not my fault. I have went in and verified 4 times already they have canceled yet another card and I have to go and verify again. This is the most ridiculous situation I have ever dealt with. They have a very flawed fraud protection system. The employees have done a terrible job all the way through I have verified 4 times. This needs to stop

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