vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
I do not recognize these credit inquiries and I ask them to be removed and the bureau did not do as I ask. Im providing a identity theft report that Im attaching to this and Im requesting to be remove because they are inaccurate and not mine

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 2024-02-16 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: MD

Complaint narrative:
A XXXX XXXX collection account Amount {$160.00} is reported on my XXXX, Experian & XXXX XXXX Credit Bureau reports since XXXX XXXX.I have forwarded a Police Report on Stolen Identity dated XXXX XXXX to XXXX XXXX, but this account is still reflecting on the Credit Bureaus reference 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 2024-02-16 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:
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 2024-02-16 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: CA

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 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: AXOS FINANCIAL, INC.
State: MI

Complaint narrative:
Axos bank account was closed on XX/XX/XXXX and all of the money removed from the account. 
There was an old recurring automatic transfer order to transfer money from my other account to Axos bank once a month. On XX/XX/XXXX after the account was already closed Axos bank initiated this transfer. I received a confirmation email that Axos bank received the funds on XX/XX/XXXX. I sent a message to Axos bank on their portal asking that the money be returned ASAP. I then called Axos bank on XXXX and spoke to a representative who said the funds will be rejected as the account is closed and electronically sent back to my other bank. I have not been able to log into the Axos bank account again since that time because of " scheduled maintenance ''. I called Axos bank XX/XX/XXXX and they said that they sent me a message in the app on XXXX ( which i can't long into and which they can see that i can not log into ) stating that they mailed a cashier 's check with the money to the home address on file. This is the wrong address. They did not verify the information with me and this is not the information i was originally told. They also did not provide any tracking information for the check. So essentially Axos bank initiated a transfer that should never have happened from a closed account and then sent the money by mail to an address that I no longer live at without verifying the information with me. I think this is unacceptable because the account was CLOSED already. They can not assume that the address in a CLOSED account is up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: NC

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit 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 non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In XXXX i got my car finance the information they put on the account for the credit had the wrong social come to find out out it was another female they then called me about three months later called telling us the information on the social card is incorrect. I then went and got my Social Security card updates with the correct information called back and told them all the new information for them to now have fixed it. Today XX/XX/XXXXXXXX  I now have a fraud on that loan and I cant go any further with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BTH Management
State: TN

Complaint narrative:
I have reported and been working with the federal trade for identity theft. This debt originated from XXXX XXXX XXXX it states however plaza services took over and now XXXXXXXX XXXX XXXXXXXX. I do not know who opened this account when or why it was opened. Also it is under the last name XXXX which I have not had since XXXX. I have contacted XXXX XXXX XXXX, they state that its handed off to plaza services llc. I contacted plaza services llc they diverted me to XXXXXXXX XXXX XXXXXXXX which I asked to provide all documentation on this account and they were hateful and failed to do so. Now I have been served a civil warrant which I am XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My previous complaint was closed and without resolution..and today, the same issue occurred. I played phone tag for days with a BofA rep who shared that a letter would be sent, which I never received. Today, the same thing happened, they withdrew money from my account bringing my account to {$100.00}. vs. setting up a payment plan that would not cause this to happen. Don't they pride themselves on customer service? Perhaps they need a lesson in what service looks like. They continue to be fraudulent and predatory in their business dealings and consumers continue to be taken advantage of by these banks without available recourse. It's unacceptable and the CFPB needs to PROTECT consumers vs. letting the banks " consumer complaints '' department give us a bunch of XXXX and then continue to do what they did that caused the complaint 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 2024-02-16 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report? 


As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S. Code 168i ( 7 ) Method of verification- Description of reinvestigation procedure.

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 2024-02-16 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report? 


As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S. Code 168i ( 7 ) Method of verification- Description of reinvestigation procedure.

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 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is against Experian ID Restoration Services relevant to their False Advertising. Experian advertises a XXXX XXXX liability Insurance Policy, to cover any expenses or losses which take place while you are utilizing their services as a member. They fail to mention that they utilize a second rate Insurance Company to pay their claims. The name of the Insurance Company is XXXX XXXX XXXX XXXX XXXX XXXX  ( an XXXX XXXX ). This Company has a history of failure to honor claims. XXXX XXXX XXXX stated Stupid reasons in their failure claims, even when the record plainly shows their error. They tend to state that the losses did not take place when policy was in force, they disregard bank records which show they are wrong. Dealing with identity theft is stressful enough, without dealing with an Insurance Company which tends to deny claims, and fails to communicate other than to deny claims, and fails to work with the customer for a Resolution. Many of their Customers have had this same problem, with XXXX XXXX XXXX failure to honor contract!!!

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KS

Complaint narrative:
I filed an earlier CFPB complaint regarding a delayed refund for the overpayment of my federal student loans from MOHELA. In a letter dated XX/XX/XXXX, MOHELA acknowledged they owed me a refund of {$17000.00} and stated that the refund would be issued in 60-90 days. I contacted MOHELA several times to inquire about the status of the refund check and was assured by their customer service representatives it would arrive within 90 days. Ninety business days after XX/XX/XXXX, was XX/XX/XXXX. 

No refund has arrived as of XX/XX/XXXX. 

I contacted MOHELA customer service on XX/XX/XXXX, to inquire about the status of my refund and was told they were unsure why there was a delay in the refund. They said they would research the issue and need another 90 days to determine why the refund was not paid. The customer service representative stated that it may take an additional 90 days to issue the refund *after* the research period of 90 days. This could add up to 180 days before paying out a refund that has already been delayed more than a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My bank account was closed XX/XX/24 around XXXX without any notice given to the consumer. I called in after receiving a voicemail that their was a " security concern. '' I was then told by a representative that my account has been closed and within 60 days I would receive any funds that were in their by check in the mail. I spoke with a supervisor during that same phone call, that I placed at XXXX and was on the phone for 40mins and 55seconds, and she submitted a dispute for the account closure and said I would have to wait 3 business days to receive an update. Neither representative for USAA would tell me why my account is closed and there is over $ XXXX dollars now tied up and I have been banking them for years!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: OH

Complaint narrative:
I recently viewed my credit report and noticed an account that was reported in accurately. I had 2 late payments that were in fact paid on time. The consumer agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of this report to this complaint on the following dates. Account # XXXX The payment for XX/XX/23 and payment XX/XX/23 were never late. Its showing payment for XX/XX/23 was 60 days late and payment XX/XX/23 was 90 days late. That makes no sense, especially since the monthly payment prior wasnt late at all. How could this be 60 days late. I am now requesting you investigate and provide your viable proof with record showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
I have found numerous accounts on my credit report that I did not authorize ; pursuant USC Title 15 1681, these accounts need to be removed immediately. I am writing to request immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : TransUnion Intermediate Holdings , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm.

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 2024-02-16 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief