vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: BSI Financial Holdings, Inc.
State: IN

Complaint narrative:
I requested a payoff on this loan. The payoff received shows a negative escrow balance, however this loan has escrow only to cover a fix-cost PMI insurance premium that has not changed in the life of the loan. The negative escrow balance is due to the bank deducting the PMI premium twice in 2023 as is shown in the loan activity. I have been trying for over 3 weeks to get this loan paid off, while still drawing more interest due to the lack of response from the bank to get this issue resolved. I have called twice and sent at least 3 messages and requests through their online dashboard. I need the escrow fixed immediately so I can get this loan paid off and not incur any additional interest charges since I wanted to pay this loan off nearly a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
There are inquiries on my Credit Report that i didnt consent to. from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Of America ). I did not consent to these inquires. I ask that they're removed from my credit 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 non-monetary relief
Consumer complaint received 2024-07-29 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: NC

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 2024-07-29 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-07-29 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
Subject : Pending Refund Issue Dear Target Executive Department, I am writing to let you know about the pending refund issue. Despite sending multiple emails and conversing with your representatives via the online chat feature, I am still waiting to receive confirmation of the refund process or the issuance of refunds. I was assured that the refunds were either in progress or already processed. 

It has been several days since these assurances were made, and I am still waiting to receive updates or confirmations regarding the refunds. Furthermore, subsequent follow-ups have yet to yield any new information. 

I would like to know why the refunds have not been correctly credited to my account, especially considering that all returns have been duly confirmed on your end. 

The tracking numbers and corresponding amounts for the pending refunds are as follows : Tracking Number XXXX - Order Number XXXX - Envelopes returned {$1.00} Tracking Number XXXX - Order Number XXXX - Soaps returned {$6.00}, {$6.00}, {$4.00} Tracking Number XXXX and Tracking Number XXXX - Order Number XXXX - {$5.00}, {$8.00}, {$5.00}, {$5.00} Order Number XXXX - Tracking Number XXXX - {$10.00} Order Number XXXX - Tracking Number XXXX - {$9.00} Order Number XXXX - Tracking Number XXXX and Tracking Number XXXX - {$3.00}, {$4.00} Order Number XXXX - Tracking Number XXXX and Tracking Number XXXX - {$14.00}, {$6.00} Order Number XXXX - Tracking Number XXXX - {$7.00} Order Number XXXX - Tracking Number XXXX - {$3.00} Order Number XXXX - Tracking Number XXXX - XXXX - {$20.00}, {$15.00} Order Number XXXX - Tracking Number XXXX - {$24.00} Order Number XXXX - Tracking Number XXXX - {$6.00}, {$3.00} Order Number XXXX - Tracking Number XXXX - XXXX, XXXX - {$5.00}, {$3.00}, {$5.00}, {$3.00}, {$2.00}, {$9.00}, {$3.00}, {$6.00}, {$3.00}, {$5.00}, {$4.00}, {$12.00} Order Number XXXX - Tracking Number XXXX - {$15.00} Order Number XXXX - Tracking Number XXXX - {$3.00}, {$2.00} Order Number XXXX - Tracking Number XXXX - {$14.00} XXXX look forward to your prompt attention to this matter and await your response regarding the status of the refunds. 

Thank you so much for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: IN

Complaint narrative:
I am writing to file a formal complaint against Jefferson Systems regarding the reporting of an inaccurate debt on my credit report. The debt in question is associated with account number XXXX. 

Details of the Complaint Inaccuracy : The debt reported by Jefferson Systems is inaccurately appearing across the three credit bureaus. This inaccurate report is adversely affecting my creditworthiness and is preventing me from being approved for a home mortgage. 
Request for Validation : I request that all relevant account validation documentation be provided to the CFPB portal within 7 days. This should include, but is not limited to : My signature Photo proof of my identification The original contracts related to the debt Impact on Credit and Life This erroneous debt report is causing significant stress and financial harm as it is the sole reason I am unable to secure a home loan. It is imperative that this matter be resolved promptly to prevent further damage to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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:
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 2024-07-29 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-29 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: DC

Complaint narrative:
I sold a price of property I owned in XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX with Fayfinancial which I sold three years ago which is still on my experience credit report as an open loan. I need it removed from that credit report and others.

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 2024-07-29 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:
Please help me with this erroneous account reflected on my credit report. It's affecting my reputation, and I seek your assistance.

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 2024-07-29 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: TX

Complaint narrative:
Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Delete this information immediately!

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I began trying to allow Experian access to my XXXX XXXX XXXX XXXX checking account last week. The institution was found and linked. However, it only linked to the savings side of the account. The checking account is used to pay bills. Savings are for savings, not bill payment. It feels like bait & switch where a service is offered 'free of charge ' and then suddenly a glitch occurs that negates the entire action. It is especially heinous because this is with a credit reporting agency. I would think that a credit reporting agency would have more live communication with consumers due to the critical nature of the service. It is also just straight up lying when the service is offered but unable to complete. It is also indicative of a corporation that has completely severed all human contact with their consumers and opting for bots. Everything can not be solved by AI. There are many, many multiple threads of conversations online of consumers frustrated by the lack of live agents with Experian. Finally, it seems to set consumers for even more fraud as opportunists try to fill in the gap by offering access for a fee. How can a consumer determine whether these are legitimate or part of national or international fraud? Credit bureaus are supposed to serve the consumer, not their corporate overlords.

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 2024-07-29 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
XXXX XXXX XXXX turned over a delinquent bill to XXXX XXXX XXXX. It was incurred by someone named XXXX XXXX from XXXX XXXX I am XXXX XXXX from XXXX and it was not my bill. ). XXXX didn't believe me that I was not the person that incurred this bill. They threatened me with court action and said they would report it on my Credit Report, which they did. 

During our phone conversation, they indicated that they had my social security number and address and phone number. They lied and said XXXX XXXX XXXX gave that information to them. I was never a XXXX XXXX XXXX customer, so there was no way they would have had that information. XXXX obtained my personal information, illegally and without my permission and used to to erroneously effect my XXXX XXXX on my credit report. Since I discovered their illegal fishing expedition, trying to force me to make a full payment, they will not return my phone calls or answer my texts or reply to my email correspondence. FYI : XXXX XXXX XXXX fully acknowledges it was not my bill and have been fully cooperative and said they would handle the matter with XXXX, to get this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation of the law! According to XXXX XXXX. XXXX Section XXXX ( a ), I have the right to privacy. Additionally, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, XXXX XXXX. XXXX ( a ) ( XXXX ) specifies that no consumer reporting agency XXXX include any adverse information in a consumer report, other than records of convictions of crimes, that is older than XXXX years. 

Under XXXX XXXX. XXXX ( a ) ( XXXX ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!

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 2024-07-29 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: MI

Complaint narrative:
Upon reviewing my credit report, I noticed several inaccuracies that immediately raised concern. There were a few ( 22 ) inquiries listed that I didn't recognize, indicating potential unauthorized checks into my credit history, I contacted the credit bureau to dispute the inaccuracies. Not authorized to share informationIm being infringed upon 15 USC 1681 ( a ) ( 1 ) 15 USC 1681c-2 15 USC 1681 ( n ) 12 CFR part 1022 REGULATION V 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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation