vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name and only name is XXXX XXXX XXXX XXXX XXXX is my only address I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-18 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:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-06-18 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:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-06-19 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: FL

Complaint narrative:
FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you review the documents? Some accounts have inaccurate reporting, amounts, and dates.

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 2024-06-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: OR

Complaint narrative:
Around XX/XX/XXXX, I received a letter from XXXX XXXX XXXX attempting to collect a debt that I owe to XXXX XXXX XXXX for {$400.00}. I was unfamiliar with this company and nor any debt that I was owed. I called the debt collection agency and Informed them that I was not this person they were looking for and to stop sending me letters. A couple of months pass and I received another letter with the same information and amount. I then saw the ability to respond by disputing the debt and checked this wasn't my debt and to send me more info about the debt that I was being accused that I owe. They responded and then sent copies of a bill around XX/XX/XXXX with more info about the company. The company was XXXX, which seems to be some XXXX  company. I've never interacted with this company and the address that was used was an address that I've never lived at nor have been too. I believe the XXXX account was made around XXXX. I don't know anyone who lives at this address. I called XXXX again and informed them that I'm certain that this isn't my debt and to stop sending me letters. I was informed that they would need a cease and desist faxed to them in order to stop the letters. I made the cease and desist and faxed it. Around XX/XX/XXXX I then received a debt collection letter from Credit Controll LLC attempting to collect the same debt that XXXX tried to collect. I assume they had sold this debt to another debt collection agency.

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 2024-06-18 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: FL

Complaint narrative:
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency furnishes an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: FL

Complaint narrative:
I didn't receive any notification of this bill until this year when I went to XXXX, and I saw the bill and I called them on XX/XX/XXXX and they said that I had to call my insurance. When I called my insurance, I had to complete a questionnaire in regards of service because they wanted to make sure this wasn't related an accident, and they resubmitted the bill for payment. I called back on XX/XX/XXXX because I checked XXXX again and the bill was just there. They said they didn't receive an update from the insurance. I asked why a disconnection in information. Called my insurance and they said they have resubmitted, and everything should be taking care off. Called back XX/XX/XXXX as a conference call with my insurance and they stated they haven't received the explanation of benefits and the agent from the insurance said they sent it, but they will send it again and the lady from XXXX XXXX said, " good luck if we received ''. So, she recommended for me to download into XXXX XXXX which i did on XX/XX/XXXX. then on XX/XX/XXXX I wrote to them asking why they haven't reviewed the EOB, and called them to let them know I did the download for them to process the bill. I received a response on XX/XX/XXXX stating they were going to look into it. I looked again at the beginning of this month and I didn't see the bill any longer which I thought it was resolved and today I received a notification form a 3rd part that they have transferred the bill to them without not processing through the insurance. Are you kidding me? This is unacceptable. I have responsible enough making all this phone calls back and forward to resolve the issue for nothing because at the end they didint do anything just transfer the bill to a 3rd party

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I noticed XXXX charges on my debit/credit card that was not made by me. I live in XXXX and noticed that XXXX charges, made on consecutive days ( XX/XX/XXXXXXXX XXXX XXXX XXXX ) and for the same amount ( {$34.00} ), had been made at a fast food restaurant. I immediately notified my bank ( Santander ) and my card was closed with a replacement to be sent in the mail. Santander initially, and rightfully, reimbursed the fraudulent amounts. 
I then received XXXX letters today ( XX/XX/2024 ) stating that an investigation had taken place and it was found by Santander that I was now liable for the charges as they had evidence that I had authorized them. I immediately called them and after being bounced around a couple of people I finally was able to get an explanation. The representative I spoke with stated that the vendor had given them evidence that someone had given them authorization to make the purchases- Santander assumed it was me. I explained that these purchases had been made in the state of XXXX XXXX  ( as shown on my account ) and that I live in XXXX  and had no connection to these charges. Santander said the investigation was closed and there was nothing they could do about it but if I could provide evidence that it wasnt me then they may reopen the file. I explained that it would be difficult to prove it wasnt me as all I had to give was that I live in another state and have no idea exactly where in the state of XXXX XXXX these purchases were made. I was met with the statement that there was nothing they could do. 

Bank reference numbers : 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 monetary relief
Consumer complaint received 2024-06-18 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX acct : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Amex keeps sending me spam about expiring Amex offers to both my and addon card accounts. The email addresses are XXXX and XXXX I have tried to have these emails stopped twice but customer service have no idea about how to do so and they FORCED me to agree to : 1. American Express will not provide Merchants and third parties with your updated Card information if your expiration date or Card number changes or if your account status is updated, including if your account is cancelled '' 2. We may extend you marketing offers when you call or chat in with Customer Service. 

This choice overrides any prior request to stop receiving marketing offers for this account only when you call or chat in with Customer Service. 

I DO NOT agree to the above but just want them to stop spamming me. They were able to do this for my old email address XXXX but started spamming me again when I changed my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: TX

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Our checking account had one large item for a mortgage payment that had not posted to our account as of midnight last night. Then this morning there were XXXX different charges being returned for less than {$500.00} for them were less than {$25.00} and Bank of America returned all of them as of XXXX oclock today even though I transferred money over to cover the charges. it was my understanding that Bank of America is required to pay. The smaller charges were less fees would be incurred by the consumer and if they are going to return a charge, they could just return to XXXX merchant. We have XXXX different merchants that we are going to have late fees and insufficient funds charges from as well as probably bank fees on top of that from Bank of America for returned item fees, totaling in excess anywhere between XXXX {$700.00} when the money was transferred from XXXX of our Bank of America accounts into our checking account today we called the bank tried to rectify the situation. Ask them if they could cover those charges as a courtesy as we have been long-term customers for 15 years and they stated they absolutely could not so we are going to be out, like I said probably between XXXX and {$700.00} in late fees and insufficient funds charges not to mention if any of those vendors report it to our credit report when we have been good customers for XXXX  years and transferred the funds from XXXX account to another to cover those charges

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-18 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: GA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: NC

Complaint narrative:
I hope this communication finds you well. I am composing this letter to request detailed information regarding a dispute that I initiated on XX/XX/year>, and the subsequent response that I received on XX/XX/year> via CFPB Complaint Portal. .Please see the attached document

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 2024-06-18 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: IN

Complaint narrative:
Collection account on my credit report shows open account from XX/XX/year>, I did not open an account in XXXX of XXXX and i dont know the creditor. The creditor is XXXX XXXX XXXX. phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am applying for a XXXX XXXX loan through several lenders. I believe there is some sort of underwriting system that lenders XXXX all use, XXXX XXXX, XXXX XXXX? Anyway, I do not have any understanding why they close my loan application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
Recently, Experian provided the following info that a XXXX XXXX account in amount of {$1600.00} is not on my credit report after a dispute & investigation filed by myself however the XXXX XXXX is still being reported by Experian. XXXX XXXX has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now therefore it is heresay. Yet having no proof or authority, XXXX XXXX continues to publish derogatory comments on my credit report without any enforceable instrument to do so. My consumer rights are protected as The UCC states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The UCC requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under UCC Section 3-401 ( a ) If the party does not sign, the party can not be held liable. Experian need remove all publishing of this account with derogatory marks on 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 explanation