vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$510.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2023-11-30 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:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This complaint is with American Express. Consumer says that someone sold his phone and made some fraudulent charges on his account. Consumer states that this person made 2 payments on his account. Consumer can only see payments it doesn't give much information. Consumers account was canceled due to these fraudulent charges Consumer has no knowledge of these charges and has not given permission to anyone to make payments or to charge his account. Consumer wants to know why was this many payments charged to his account without being notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: IL

Complaint narrative:
Please review the attached documents. I request the bureau to commence an investigation into these accounts, despite my consistent punctuality, as they inaccurately depict me as late.

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 2023-11-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-30 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: TX

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-11-30 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 enrolled in a debt repayment plan to responsibly pay my debt to XXXX 's XXXX XXXX due to my child having special needs and needing to create a sustainable repayment plan with my new financial responsibilities. XXXXXXXX XXXX  accepted my debt repayment plan on XX/XX/XXXX  ( see attached email from XXXX XXXX XXXXXXXX XXXX  ), but failed to change my required monthly payment to the plan agreement of {$39.00}. In XX/XX/XXXX  ( see attached statement titled XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX XXXX paid them the agreed upon monthly payment of {$39.00}. At that point, my account went past due because XXXXXXXX XXXX did not change my minimum payment due until XX/XX/XXXX  ( 4 months past the agreed upon new rate ). 

The monthly payment is now correct ( after I called XXXX several times ), and is paid directly by XXXX XXXX XXXX XXXX. However, XXXX XXXX continues to report my account as 60 and 120 past due, when in fact, I have never been late ( see attached statements showing no late payments or past due amounts prior to the agreed upon debt repayment plan ). When I call, the representatives agree with this account and open a new dispute, but the office that reviews disputes continues to state I was past due PRIOR to the debt repayment plan, and refuse to change my status in their credit reporting. I am unable to speak with anyone in the dispute department that handles credit reporting. I have called every month since XX/XX/, and they continue to file a new dispute, and continue to reject it without any factual data indicating I was past due prior to enrollment in the debt repayment plan. This is an error on XXXXXXXX XXXX  part by not correctly adjusting my monthly payment amount due in XXXX of XXXX  ( after agreeing to the new payment amount in XX/XX/XXXX  ), causing my account to go past due in XX/XX/. 

This issue has destroyed my credit, which has always been around XXXX. I am a home owner and a single mother, and I have worked hard to maintain a good credit score. I would appreciate any suggestions on how to remedy this incredibly unfair situation.

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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
To whom it may concern, My lender is Lakeview by XXXX. 

Their whole system went down due to being hacked and I had to find this out via a XXXX  forum. They did not send any communication to their clients and still have not told anyone our information was compromised. They did this before, where they waited 6 months to disclose that our information was compromised, essentially giving no chance to protect our credit with a freeze. 

They sent an email at XXXX last night that their website was back up. It hardly works. I will be 30 days late on my payment tomorrow and I can't make my payment through the website. They already tanked my credit earlier this year by falsely reporting me delinquent for 5 months straight. They sent me a letter saying they'd reverse those ( after I sent them a letter ) but it takes 60-90 days for the credit reporting agencies to report it accurately, and I am trying to get a HELOC, which they won't even work with me on even though this was their fault. 

To top it all off, their call center is still down, so I can't even talk to somebody about the issue. 

This lender needs to be held responsible for their irresponsible tactics and dangerous lack of communication with their clients. 

For the record, they also took 2 years to resolve my forbearance after numerous attempts and fails at a loan modification on their end whether it was incorrect documentation, underwriting taking months long, " mail issues, '' etc. I eventually got a grant from the state to pay it off, and there was over {$3000.00} of funds applied to " fees and charges '' I incurred over the course of my forbearance, and I still have no idea what these " fees and charges '' are for. My loan was current the entire time, so what fees could I have incurred? 

Also, when I call the call center, and it asks me for my social and I enter it, it says my social is invalid, which is EXTREMELY concerning. 

I want to refinance and switch lenders but I literally can't get away from this lender, and I am seriously concerned about their ability to protect my information, handle my funds properly, and communicate with me when something happens. 

Thank you

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 602 ( a ), it is emphasized that consumer reporting agencies, such as Transunion and XXXX, must carry out their responsibilities with fairness, impartiality, and a commitment to respecting the consumer 's right to privacy. As the consumer, I assert my right to safeguard my private information, as supported by 15 USC 6801, which underscores the congressional policy that financial institutions, including furnishers of information to credit agencies, are obligated to uphold customer privacy and protect nonpublic personal information. 

In line with 15 USC 1681, Section 604 ( a ) ( 2 ), I want to highlight that any disclosure of my consumer report must strictly adhere to my written instructions. As of now, neither the financial institution ( furnisher of information to credit agencies ) nor the consumer reporting agencies ( Transunion and XXXX ) possess my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish this information. 

Referring to 15 USC 6802 ( b ) ( c ), it is clear that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their nondisclosure options. Unfortunately, the furnisher of information to credit agencies failed to provide me with an explanation of how I can exercise my right to nondisclosure. 

Moreover, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including certain adverse information in a consumer report without authorization. The current reporting of adverse information without my permission is a violation of this provision.

The FCRA, in 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, explicitly states that furnishing inaccurate information to consumer reporting agencies is prohibited. Transunion and XXXX, by not maintaining reasonable procedures as required by 15 U.S. Code 1681e, are failing to abide by the law. 

Lastly, following 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services at any time. It is imperative that my wishes are respected and that my private information is handled in strict compliance with the relevant statutes and regulations.

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 2023-11-30 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. ( These are all account numbers stated on XXXX  and they read : XXXX XXXX XXXX account number : XXXX, XXXX account number : XXXX, XXXX XXXX XXXX account number : XXXX & XXXX XXXX account number : XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-11-30 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. ( These are all account numbers stated on XXXX and they read : XXXX XXXX XXXX account number : XXXX, XXXX account number : XXXX, XXXX XXXX BANK account number : XXXX & XXXX XXXX account number : XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: MI

Complaint narrative:
On XX/XX/XXXX  someone attempted to open a credit card in my name. I called XXXX and Experian to 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
Consumer complaint received 2023-11-30 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: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am filing a complaint against HSBC Bank USA for gross mishandling of my finances, a lack of transparency, and a failure to locate my funds. I had over XXXX XXXX XXXX dollars saved in different HSBC accounts. 

Issues began when a new person assigned to me as financial advisor/FA, noted that I had several open accounts and, in an effort to simplify my money, the Financial Advisor stated that she would merge my funds into one account. I agreed because the FA promised that this would make managing my funds easier. Following this, I noticed that the funds in the account did not reflect the total amount of money she had prior to the merging of accounts, by a dramatic margin. As such, I requested clarification from the FA in order to locate the funds. The FA has refused to clarify where my funds are. At times, the FA has refused to speak with me altogether. 

Separately, when I expressed my disagreement with investing my money, the FA pressured me into doing so, claiming that it would help grow my money. To date, I do not know where those funds are. 

I have tried to seek assistance from other HSBC staff but unable to get far as the financial advisor interferes with my attempts to receive clarity.

HSBC claims that I do not have an open account with them and can not locate any of my previous accounts. However, I have documentation/bank statements proving her several accounts with HSBC and the balance amounts. 

I am requesting an investigation into HSBCs handling of her funds and assistance recovering my lost funds which total over $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
On XX/XX/2023 I called Bull City Finacal identified myself and requested that an itemized bill be sent to me detailing services rendered and the amount charged for services. XXXX a representive denied my request and stated i sent that it in XXXX. I then asked you sent me an itemized bill and are telling me that you want send me one now?? He said YES. I then asked again the detailed bill be sent and the document with my signature releasing XXXX XXXX XXXX to him be provided he stated I dont have to do that. I then tryed again to resolve the debt and asked could it be negotiated and us settle it someway if he is refusing my request he responded NO it can not you need to pay the entire amount to us. I then terminated the call. This is sesistive to me I am a 100 % service connected XXXX veteran with XXXX and my health information and XXXX XXXX XXXX XXXX was private and no one elses buisness. I NEVER GAVE ANYONE PERMISSION TO RELEASE MY XXXX. Please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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