vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act 15USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't being shared which is backed by15 USC 6801. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is a financial institution under the title 15 USC 6801. 15 USC 1681 section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to who it relates. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and don't have my written consent. All consent to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never informed me of my right to exercise my non disclosure option. 15 USC subsection ( b ), 1681C ( a ) ( 5 ) states " Except as authorizedunder no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items, other than convictions of crimes which antedates the report by more than seven years. This account is an adverse account that you are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) a states " A person shall not furnish any information relating to a consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. 12CFR 1016.7 states '' A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
to whom it XXXX concern. I hereby inform the company Midland Credit Management Inc that I have already appeared in court twice regarding the same thing, I have lost time from work to try to resolve this matter. They are blowing up my rights. Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) They say that I have an obligation to them and they have never shown me the contract with my signature with the supposed original creditor of the original purchase by which this alleged debt was supposedly created. I believe and understand that the only reason they are taking me to court is because they have no real power and there is no real debt or business between them and me. 

Here I leave you proof of my card that I currently have with XXXX XXXX XXXX  from a week ago that was approved, which would not happen if I had had another card with them and it would have looked bad, I also have another card with XXXX XXXX XXXX with more than 3 years and it is open and it is my main credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( 8 ) ( iii ), these creditors are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of-the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''.

Who in your company verified these accounts?

How did they verify them?

Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation.

Include the documentation that was used to verify the dispute.

You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) ofthe FCRA- you are required to " ... promptly DELETE all information which can not be verified. " The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply.

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I applied for the XXXX program through MOHELA in XXXX, and the system said that it might take a while to process. I called to check on the application in late XXXX, and they said that it simply hadn't been pushed through. They fixed that and told me it should go through in XXXX days. They recommended I call back at the end of that period to check on it. I called as it still hadn't gone through, but he said it shouldn't be more than XXXX more days. Nothing happened, so I called again today ( XX/XX/15 ) and they said that my application had been canceled. I had not been notified. When I asked why my application had been canceled, they said that the system thought it was a duplicate. They put my application through again and said that I should hear something in XXXX days. I have been paying a higher rate this whole time and need the payments to go down, which is why applied for the XXXX program XXXX months ago. I have been informed that forbearance is an option but that those months will most likely not count toward the XXXX, which I can't risk, so I have to keep finding the money for these higher payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I just made a XXXX dollar payment on this card and it had a credit limit of XXXX dollars shortly after i made payment they reduced credit limit to a XXXX dollars. I called XXXX  and they said there was no reason this should of taken place,, They are not using the proper yearly income also based on my tax returns. The bank also told me it was XXXX 's decision to lower my credit limit, i have a credit score of XXXX and its been that way for years and i haven't been late on any payments on any of my cards or bills in years. My annual income isnt being used properly and after making a XXXX dollar payment and taking this action of lowering the amount i feel very violated by the bank.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Your company is in violation of my right and if this is not resolved I will be seeking litigation. You guys reinserted a fraudulent account back on my credit report after deleting it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
there exists a lien from the company ( Springleaf Financial Services ) which according to my research, is now OneMain Financial. However, when I spoke to a representative about this, they were not able to provide me with any information about this and would go no further.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: FL

Complaint narrative:
I just made a XXXX dollar payment on this card and it had a credit limit of XXXX dollars shortly after i made payment they reduced credit limit to a XXXX dollars. I called transunion and they said there was no reason this should of taken place,, They are not using the proper yearly income also based on my tax returns. The bank also told me it was Transunion 's decision to lower my credit limit, i have a credit score of XXXX and its been that way for years and i haven't been late on any payments on any of my cards or bills in years. My annual income isnt being used properly and after making a XXXX dollar payment and taking this action of lowering the amount i feel very violated by the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
My car was totaled out and paid off in XXXX. After sending them the check and sending them the payoff balance of the car there were a few issues. It took them XXXX checks and over 40 days to see the payment added to my account. I was told that there was an issue with their mailbox that they received payments and there was a delay. During this time interest was still incurring on the account. After waiting for the payment to be added to the account there was still an outstanding balance which was not supposed to be. Ally had charged me extra fees and added other interest to my loan after the payoff amount was sent in. Because there was an outstanding balance that I wasn't aware of, the payments started to be late and they reported " late payments '' to my account for a car I never had and had already paid off. They caused me to miss out on opportunities for reporting this false information on my credit report. These unnecessary charges had to be paid and time and resources were spent on communicating with them to get this issue resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: MA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank has frozen all my personal and all my business accounts due to suspected fraudulent activity. I sent a XXXX deposit of {$500.00} to a car dealership, XXXX XXXX XXXX in XXXX XXXX Florida from my personal US Bank account and US Bank tagged them to be a fraudulent business, but I informed them that is not the case because I received both cars from XXXX XXXX XXXX. I paid the remaining balance with a check through my local credit union as they had no problems with me paying this merchant. I told US Bank that they have erroneously identified XXXX XXXX XXXX as a fraudulent organization in their system. These cars were shipped from XXXX XXXX, Florida to XXXX, Cailfornia to my home address. I have possession of both of them. I verified that the VINs are clean with the DMV and the police department. However, US Bank still decided to freeze all personal accounts and all business accounts. They have frozen two ( 2 ) of my personal checking accounts, one ( 1 ) business checking account and one ( 1 ) business savings account for a total of four ( 4 ) accounts. They stated they want to end all relationships with me. I went to a local branch to withdraw my funds, but they said they can not release either my personal funds or my company funds. 

I have included the XXXX XXXX ads with XXXX XXXX XXXX in which they had advertised for my two purchases with them in XX/XX/2023. I have also included the copies of both titles which are clean and verified by the DMV and the police department.

I have also attached all the information about the company as a legitimate business entity. They have ZERO complaints to the XXXX XXXX XXXX and they are registered with the state of Florida as a legal business entity. In addition, I have also attached the 100 % positive feedback from all their customers from XXXX XXXX. 

US Bank seems to have a very common practice of doing this to their customers as noted below : https : //www.consumerfinance.govXXXX  My US Bank account numbers are : Personal : 1 ) ) XXXX - Checking 2 ) ) XXXX - Checking Business : XXXX ) XXXX - Checking XXXX ) XXXX - Savings Please help. I need access to funds to operate my business and pay my bills and mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: AR

Complaint narrative:
To whom it may concern, I am writing to dispute 8 late payments currently listed on my credit report. 6 from XXXX XXXX and 2 from XXXX XXXX. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( 2 ) ), consumer reports do not include information solely about transactions between a consumer and the reporting entity. I believe these late payments violate the FCRA, as they concern only my transactions with your company. The presence of these payments on my report is negatively impacting my credit standing. Therefore, I kindly request that you immediately delete these late payments from my credit report. Thank you for your prompt 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 2024-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am working with a program from the state called XXXX on XX/XX/XXXX they submitted a payment on behalf of my account to Citizens which was under the reinstatement amount. Citizens were supposed to waive the Late charges and property assessment due to working with the program. Since then Citizens has sent the check back to me in which I reached out to the attorney 's office and they reached out to Citizens for an updated mortgage reinstatement the late charges haven't been removed and overall all citizens is not assisting me with my issues

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
I have been referred to CFPB by DATCP of Wisconsin for further action against XXXX, aka XXXX XXXX, aka XXXX, aka XXXX XXXX  XXXX, aka XXXX XXXX XXXX, aka Fiserv Inc., XXXX Fiserv XXXX, XXXX, WI XXXX. My complaint was initially filed with the XXXX  of Wisconsin ( ID # XXXX ) who contacted the offending company ( ies ) on my behalf, to their highest level of negotiation and subsequently referred me on to DATCP of Wisconsin, and then on to CFPB. XXXX  of Wisconsin secured for me a promise of partial refund of my monies from Fiserv Inc. ( {$2200.00}, still not received ). If this amount is indeed ever received there remains an outstanding refund amount of {$3600.00} for ACH debits from my checking account. The companies listed above ( all somehow interconnected ) enacted fraudulent ACH debits from my bank account for equipment rental and services for credit card processing from XX/XX/XXXXXXXX  until XX/XX/XXXX, when no such equipment or services were being utilized by me. They are unable to provide any executed documentation or contract justifying this debiting of my account monies despite my multiple attempts at obtaining such. Multiple phone calls to the agents of these companies resulted in a complete stonewalling of my attempts to receive documentation and retrieve my monies. On 2 of the calls I was assured that a " refund agent '' would contact me. Call reference # XXXX took place with XXXX on XX/XX/XXXX. Call reference # XXXX took place with XXXX on XX/XX/XXXX. A call with XXXX on XX/XX/XXXX assured me that the matter would be " referred to the investigation team. '' No further contact was received until XX/XX/XXXX when I was called by XXXX XXXX XXXXXXXX XXXX XXXXXXXX asking for my bank statements showing the debits. The statements were emailed 3 times to XXXX until finally received as confirmed by me with a call ( Reference # XXXX ) to agent XXXX. All agents, on all calls, refused to provide me with a mailing address for their companies for me to further pursue, which led me to the XXXX.

Company response to consumer: Closed with explanation