vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts listed below, which were fraudulently opened under my name due to a recent data breach. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am entitled to have fraudulent information removed from my credit report. 
Unauthorized Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I need my account unrestricted with XXXX I didnt do nothing to get it restricted I contacted my bank they told me its is on XXXX XXXX not the bank they couldnt help me to get it unrestricted please unrestricted for me my account email is XXXX and phone number is XXXX on my account I have call XXXX XXXX XXXX but they couldnt help me to please unblock my access and unrestricted I didnt do nothing to get it restricted etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint # 1 : Equifax reports inaccurate data. I never filed for Bankruptcy protection. My Equifax reports 1 public record that Does Not belong to me, and it was a same-name mixed file for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX bankruptcy discharged, Original filing date AXXXX XXXX, XXXX?? 

Complaint # 2 Equifax reports inaccurate data. XXXX XXXX  ( CLOSED ) ( NOT AUTHORIZED-FRAUD ) Account Number XXXX XXXX Reported Balance {$0.00} Account Status UNAVAILABLE Available Credit?? 

Complaint # 3 Equifax reports inaccurate data. XXXX XXXXXXXX XXXX CLOSED ) NOT AUTHORIZED-FRAUD ) Account Number XXXX XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Available Credit?? 

Complaint # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( CLOSED ) account 's reported balance?? NOT AUTHORIZED-FRAUD ) Complaint # 5 CXXXX XXXX XXXX ( CLOSED ) NOT AUTHORIZED-FRAUD ) Account Number XXXX XXXX Reported Balance {$9900.00} Account Status CHARGE_OFF?? 

Complaint # XXXX XXXX XXXX ( CLOSED ) NOT AUTHORIZED-FRAUD ) Account Number XXXX Reported Balance {$0.00} Account Status OVER_120_DAYS_PAST_DUE Available Credit {$0.00}??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: TX

Complaint narrative:
I had a mortgage loan for about 8 years. Ever since my loan servicer transferred from XXXX XXXX XXXX Selene Finance, I have been having problems with my account. My loan has never been escrowed and my taxes and property insurance are paid directly to the township and insurance agency. Selene performed an annual escrow analysis in XX/XX/year> and decided that they wanted to escrow just the taxes without sending me an initial escrow disclosure and with no cause since my taxes are paid up. I have talked to multiple people and everyone has a different answer on why it happened and they can see my taxes have been paid on time. I can never get ahold of a supervisor and there have been times in which I start asking questions the Customer Service representative hangs up on me and then I have to start the process over. I asked why is my account getting escrowed now and I never received an initial disclosure and no one can answer. Then someone said my township sent over a tax bill. I called the township and they said they don't send out delinquent tax notices and plus my taxes are paid up to date. So I asked them to remove the escrow amount from my payment and paid back the escrow that they paid out and still nothing from them. Every time I send my payments they misallocate them to whatever they feel like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax, XXXX, and XXXX, along with XXXX, are in violation of several provisions under the Fair Credit Reporting Act ( FCRA ) by failing to handle my disputes responsibly and in accordance with federal law. First, these credit bureaus are disregarding their duty to conduct a timely and reasonable investigation as mandated under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), which requires a reinvestigation of disputed information within 30 days of receiving notice of the dispute. Additionally, they are failing to notify data furnishers of my dispute, violating 15 U.S.C. 1681i ( a ) ( 2 ), which requires that the credit reporting agency forward notice of the dispute to the data furnisher within five business days. Furthermore, 15 U.S.C. 1681i ( a ) ( 4 ) obliges these agencies to review and consider all relevant information I provide, yet they are verifying inaccurate public records without considering the supporting documentation I have submitted. 

XXXX and the credit bureaus are repeatedly verifying inaccurate information without conducting proper investigations, violating 15 U.S.C. 1681s-2 ( b ). This section mandates that furnishers of information, upon receiving notice of a dispute, must perform a complete and accurate investigation and report their findings back to the credit bureaus. The repeated verification of inaccurate information, despite clear documentation to the contrary, demonstrates willful non-compliance and a reckless disregard for the accuracy standards outlined in 15 U.S.C. 1681e ( b ). Lastly, their delays and lack of responsiveness in handling my disputes breach 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates timely reinvestigations to protect consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Experian, and XXXX, along with XXXX, are in violation of several provisions under the Fair Credit Reporting Act ( FCRA ) by failing to handle my disputes responsibly and in accordance with federal law. First, these credit bureaus are disregarding their duty to conduct a timely and reasonable investigation as mandated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a reinvestigation of disputed information within 30 days of receiving notice of the dispute. Additionally, they are failing to notify data furnishers of my dispute, violating 15 U.S.C. 1681i ( a ) ( 2 ), which requires that the credit reporting agency forward notice of the dispute to the data furnisher within five business days. Furthermore, 15 U.S.C. 1681i ( a ) ( 4 ) obliges these agencies to review and consider all relevant information I provide, yet they are verifying inaccurate public records without considering the supporting documentation I have submitted. 

XXXX and the credit bureaus are repeatedly verifying inaccurate information without conducting proper investigations, violating 15 U.S.C. 1681s-2 ( b ). This section mandates that furnishers of information, upon receiving notice of a dispute, must perform a complete and accurate investigation and report their findings back to the credit bureaus. The repeated verification of inaccurate information, despite clear documentation to the contrary, demonstrates willful non-compliance and a reckless disregard for the accuracy standards outlined in 15 U.S.C. 1681e ( b ). Lastly, their delays and lack of responsiveness in handling my disputes breach 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates timely reinvestigations to protect consumer rights.

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 2024-11-07 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-07 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 asking for your help regarding an inaccurate account that is listed on my credit report. This concern impacts my reputation as a customer, so I need your support to address it. I want these inaccurately reported accounts removed because they have a negative effect.

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 2024-11-07 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: GA

Complaint narrative:
My information on equifax has been found in the data breach, p, ease remove all accounts on my equifax credit report. 

XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-07 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: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. 
XXXX XXXX Opened XX/XX/2023 {$1300.00} I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 U.S. Code 1681b 2 company has permission to report my information per 15 usc 16814

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-07 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: GA

Complaint narrative:
My information on XXXX has been found in the data breach, p, ease remove all accounts on my XXXX credit report. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: GA

Complaint narrative:
My information on XXXX has been found in the data breach, p, ease remove all accounts on my XXXX  credit report. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-07 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
XX/XX/year>, I urgently needed to take my cat to the vet for an XXXX XXXX However, when I checked my SoFi checking account, I saw that it was unexpectedly restricted with no reason provided.

I immediately contacted SoFi, but the customer service agents have been wasting my time, giving me inconsistent information, and failing to explain why my funds are being held hostage. I still have money in my account, but I am being told to wait indefinitely with no clear resolution in sight. Ive spoken with multiple agents, and each one seems to be telling a different story, which is making the situation worse. Additionally, it appears they arent taking thorough notes to understand or fix the issue. 

This situation is highly frustrating and is causing unnecessary stress during an already urgent situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: MA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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