vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is furnishing inaccurate, unauthorized, fraudulent information on my credit file. There are XXXX hard inquiries reporting on my file from " XXXX  XXXX XXXX '' on XX/XX/year> and XX/XX/year>. Neither of these inquiries were authorized by me. These inquiries are fraud. Someone has been applying for accounts using my information. I informed Transunion that the information they are furnishing is fraud, and they refuse to offer any solution. I asked directly how we can resolve this matter and they refused to offer any solution. I have already filed a CFPB complaint about this matter and have received no help or remedy. I spent an entire day calling Transunion and speaking to several representatives, all of whom denied the opportunity to help me fix this situation. They just kept sending me back to a chat room, which told me to call a number, which sent me back to a chat room in an infinite loop. 
The Transunion agent agreed in writing that Transunion is committed to honoring the FCRA, however they are not. I never authorized either of these hard inquiries to be initiated or reported. The reporting of these inquiries on my credit file is both unfair and inaccurate. I asked in writing for Transunion to provide any proof that I authorized these inquiries and they were unable to provide any proof. I am uploading pictures of the conversation where the agent diverted the conversation in a different direction and ignored my request for information. When I asked him directly how we can resolve this matter, he said " I am sorry no options over here ''. This information is severely harming my personal reputation and needs to be removed immediately. I am filing this report because I have already attempted to fix this directly with the company, yet they refuse to help or comply 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 2024-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Union Bank was absorbed by US Bank, and I was left with no choice but to open an account with US Bank. 

XXXX months ago, my online account stopped functioning. I reached out to the Online Resolution Center, but received no response. I've repeatedly visited the US Bank XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, requesting a resolution, but even with the managers assistance, the issue remains unsolved. 

Each time, I change my username and password, and it temporarily works. However, after a few hours, the newly set password becomes invalid again. When I asked for a higher-level person who could resolve this, they suggested it could be due to my device being old or because my password included uppercase letters, though uppercase letters are allowed by their own password rules. They refuse to acknowledge any fault on the part of US Bank. 

Ive been coming in for XXXX months to resolve this issue, and while they know me by face, they show no commitment to truly resolving the matter. 

This ongoing issue has caused problems with my companys monthly payments, affecting the credibility of my business. I also have automatic payments set up, but they aren't functioning. I've even been penalized for late payments by US Bank, despite this issue not being my fault. 

In 2024, its unacceptable that a banks online system would go unresolved for over XXXX months. Please take action to hold US Bank accountable for this negligence.

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 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
on XX/XX/XXXX I had my back-pack as well as my cell phone and documents in my back pack stolen off the public transportation. I filed a police report as well as I told Current they investigated and denied my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
I believe that this account is inaccurate because this account was paid in full all rent was paid when I left I do not owe anything, I was not properly notified, the debt was not validated, and a least was not acceptable verification, because I did stay there but never received any itemize statement of WHAT THEY ARE CLAIMING nor did I receive any court documents or even went to court for this matter. Under the FCRA, inaccurate or unverifiable information must be corrected or deleted from 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 2024-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aargon Agency, Inc.
State: MI

Complaint narrative:
I sent this company a letter asking for validation of debt and received an unsigned document I also asked this company to stop calling me and only contact me via mail.. I have been repeatedly called this is against 15 usc 1692c also a violation of the fcra I have saved voicemails if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: OH

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 explanation
Consumer complaint received 2024-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-10-28 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I have a home loan through Flagstar ( loan number XXXX ) and also have an escrow account in which they are to pay for my insurance and taxes. I have a homeowners policy through XXXX and a hazard policy through the XXXX XXXX XXXX XXXX XXXX ) I received a letter from Flagstar dated XX/XX/XXXX that my hazard insurance through the XXXX had been canceled, I needed to get hazard insurance immediately and they were going to charge me a daily fee for lender provided insurance until I to got insured. 

XXXX XX/XX/XXXX at XXXX I called and spoke to Flagstar XXXX XXXX ). XXXX told me that they never received any premium information from the XXXX and that is why it was canceled. XXXX said they made 2 attempts to contact the XXXX, once by phone and once by fax. XXXX said that when they call an insurance company if they dont answer within 5 minutes they hang up and log it as an attempt. 

I asked why Flagstar never contacted me. He said it is their policy to deal with internally and dont contact the customer until the policy is actually canceled. Therefore, Flagstar made no attempt to call me, nor did Flagstar call the direct line to my insurance agent that is listed on the XXXX premium, who manages the XXXX insurance. They had this information but never called. 

I called and spoke to XXXX XXXX XXXX XXXX ( XXXX ) who stated XXXX did mail both my XXXX premium and my XXXX premium to Flagstar. XXXX provided me with both premium statements and the XXXX premium was dated XX/XX/XXXX. XXXX also told me that he could not just pay the XXXX renewal fee and instead had to start the application all over again and it would take XXXX weeks or more to get a quote. 

I called back and spoke to an associate who transferred me to Manager XXXX XXXX ( XXXX ). XXXX told me there was nothing he could do to waive the fee, making sure the premium is paid is my responsibility and there was nothing he could do. 

I told him the about the information provided by XXXX that XXXX sent both the XXXX premium and the XXXX premium at the same time to Flagstar. However, XXXX was persistent this is all my fault, Flagstar did nothing wrong and they wouldnt do anything to waive the lender provided insurance fee.

I would like Flagstar to waive the lender provided insurance fee for the following reasons : XXXX mailed them the XXXX premium info on XX/XX/XXXX and they failed to pay, Flagstar failed to call my XXXX agent who they had a direct phone number to, and Flagstar made no attempt to contact me to inform me of the issue.

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 2024-10-28 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: MO

Complaint narrative:
There are late payment inaccuracies on my credit report that dont align with my payment record. Please resolve these and update my account information. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Looking at my credit report so they have me listed under names that either do not apply to me at all or have not been used in 35 years or more. I contacted them and they said that the information was accurate, and that's not true. They had me listed as XXXX. XXXX, I've never been XXXX XXXX. Never not even once, I've only had XXXX last names in my entire life. XXXX and XXXX XXXX is my maiden name. XXXX, is my married name. All that can be verified through records, and when I let them know that XXXX XXXX is not my name, they flat out. Try to tell me that it was XXXX 's my name.I think I would know better than anybody else if it's accurate or not

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 2024-10-29 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-28 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
Several listed fraudulent accounts are affecting my credit report. This information is not mine, nor did I authorize the use of my credit ; these accounts show accurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
THIS COMPANY IS CALLING ME 3-5 times every single day from multiple different numbers, they do not leave a message when I reject the call. Im an receiving 20-30 calls a week from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Skrill USA, Inc.
State: MO

Complaint narrative:
On XX/XX/year> I went to an ATM to withdraw cash. I put in the wrong PIN.The company ( Skrill ) in locked my card. I have no access to {$1200.00}. I went home thinking that this would be an easy fix. It has been anything but easy. It's been over XXXX hours and I am still locked out of my account.They want me to provide a picture front and back of my ID next to my face. I have done this 3 times. With multiple pictures each time I have sent them. I went in to my photos on my phone, and noticed that everything was clear and easy to see. Except for my ID. I have submitted photos XXXX separate times. I also called the company. On the morning of XX/XX/year>. They told me that I was just going to have to wait, and that it wasn't a big deal. I have no money, no groceries, and can't afford to get to work tomorrow. I googled reviews about Skrill, and they are notorious for blocking people from their money. Seems like this company is not doing what it should be. It's harmful to my mental health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: CA

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

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

I demand the late payment to be updated.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Update the late payments from my consumer reports

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 2024-10-28 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: CA

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

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

I demand the late payment to be updated.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Update the late payments from my consumer reports

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 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Checking my latest credit report, I found several accounts that appear unauthorized and incorrect. I request urgent action to block and delete these fraudulent accounts.

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