vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 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: PA

Complaint narrative:
On XX/XX/XXXX, my mother opened a credit card through XXXX XXXX XXXX without my knowledge or permission. I had not lived with her since XX/XX/XXXX. I have never seen the physical card, nor have I been able to access this account. I did not make a single transaction with this account. I learned of the existence of this account when it became delinquent on XX/XX/XXXX and dropped my credit score to the 500s. This account has continued to negatively affect my credit score due to missed payments. However, on XX/XX/XXXX, with this information, XXXX XXXX XXXX concluded that this account was not fraudulently opened with your information.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they're hurting my ability to obtain credit.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they're hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was charged a large amount that I did not authorize and I filed a dispute with my bank including police report and I was not given my money back. The charge was for {$72.00}

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 2024-04-28 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 consistently make on-time payments, of which I'm certain. However, I'm unsure why this company reports me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors must be corrected, or they'll owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: CA

Complaint narrative:
they need to much to prove I don't live in Ohio, I have been living in california all my life I have proof. I shouldn't have to get a notarized letter stating that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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:
Sharing my non-public information to third-party. That's is a against the law! 

15 us code 6802 16 CFR 313.10 16 CFR 313 16 CFR 313.4 initial privacy notice to consumers are required. 
Privacy of consumer information I also didn't receive any disclosure or did they give me the chance to opt out of sharing my non-public information it's required by law. Limits on disclosure of non-public personal information to non-affiliated third-parties. Again I did not receive my notice, the disclosure letter nor did I have the opportunity to opt out. I did no consent to sell/share my non-public personal information

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 2024-04-28 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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Sharing my non-public information to third-party. That's is a against the law! 

15 us code 6802 16 CFR 313.10 16 CFR 313 16 CFR 313.4 initial privacy notice to consumers are required. 
Privacy of consumer information I also didn't receive any disclosure or did they give me the chance to opt out of sharing my non-public information it's required by law. Limits on disclosure of non-public personal information to non-affiliated third-parties. Again I did not receive my notice, the disclosure letter nor did I have the opportunity to opt out. I did no consent to sell/share my non-public personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each erroneously reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR

Complaint narrative:
I called USAA on XXXX XXXX get the payoff of my auto loan and they send me the amount and I send them. Managers check with secured funds to pay off the car within the allotted time that they told me the $ $ $ was good for. The USAA customer service person took the check and put a hold on a verifiable account for no reason and let my auto loan to default and accrued extra inters to harm my credit and the ability to get loans in the future. They put a 10 days hold on the item and wont released until de XXXX XXXX. They wont give me a reason and they wont pay me interest on the check that is being hold by their part. I need help and get them to stop harassing us the customer with their actions that damage our ability to get loans and credit elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each erroneously reported item on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year> an account was added to my credit report from a collection agency. This is result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year> an account was added to my credit report from a collection agency. This is result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase is now offering a Chase plan where you can put a plan to a large credit card charge that you do, and you can pay on a monthly basis and they charge a fee, however that is not my problem. 

My problem is that if you have more than one plan at the same time and you want to pay off one of the plans you need to pay both plans so it does not make sense that chase is not letting you pay off the plan when they said that you can, and now forcing you the pay both plans if you want to pay off one. This a UDAPP violation to the consumers, because they are forcing you the pay everything so if you can't they will still charging you the fee. If a customer one to pay off a plan we should be allow to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XXXX I noticed charges to XXXX in amounts just over XXXX. I called customer service and told them about fraud on my account and ask that the account involved be closed. They closed my regular checking account instead of spending account. More charges made next day XXXX. Total charges of XXXX. The sent request for refund. I recited letter a few days later from Regions that said no refund I had authorized the charges. I went to Regions university in XXXX XXXX and spoke to banker she said she would ask Regions to reopen request for refund due to fraud. She told me charges were XXXX Paso with was XXXX plus dollars. Total charges were XXXX including transaction fee. I told her the only thin I remember using the card for was I received Notice from post office with there logo telling me I had package and there was postage due. I used my spending account debit card to pay postage due. Never received package and some person in another country took XXXX out of my account. She requested case be reopened. Regions bank Sen me another letter that fraud couldnt be reimbursed because I authorized the charges. I never authorized the charges Made in pesos with foreign transfer fees.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been a cosigner on two student loans serviced by XXXX since XXXX. Unfortunately, these accounts were reported as derogatory from XXXX until XX/XX/XXXX, when they were updated and paid in full. According to the Fair Credit Reporting Act, derogatory accounts can only be reported on my credit file for a maximum of seven years, and bankruptcy for 10 years. 

However, XXXX has continued to report these accounts on my credit bureau file as positive, but with late payments shown for the years when they were reported negatively. This has had a serious impact on my credit file, and even though the accounts are now reported as paid in full, they still have a negative impact. 

I am requesting that these two accounts be completely deleted from my credit file. Consumer law does not allow them to continue reporting these accounts positively for another 10 years, especially since they have already been reported negatively for over seven years. 
The said accounts are reporting as {$12000.00} and {$57000.00} with account endind as XXXX and XXXX respectively

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a cosigner on two student loans serviced by XXXX since XXXX. Unfortunately, these accounts were reported as derogatory from XXXX until XX/XX/XXXX, when they were updated and paid in full. According to the Fair Credit Reporting Act, derogatory accounts can only be reported on my credit file for a maximum of seven years, and bankruptcy for 10 years. 

However, XXXX has continued to report these accounts on my credit bureau file as positive, but with late payments shown for the years when they were reported negatively. This has had a serious impact on my credit file, and even though the accounts are now reported as paid in full, they still have a negative impact. 

I am requesting that these two accounts be completely deleted from my credit file. Consumer law does not allow them to continue reporting these accounts positively for another 10 years, especially since they have already been reported negatively for over seven years. 
The said accounts are reporting as {$12000.00} and {$57000.00} with account endind as XXXX and XXXX respectively

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXXhas been reporting erroneous information to my credit report. I have outlined all of the errors in my attached screenshot. This is making it extremely hard for me to get a home for my family. These errors are unlawful according to the FCRA please remove immediately from all reports because Im have the right to a fair and accurate credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
I do not acknowledge this debt which is the ONLY collection harming my credit report scores. They are collecting on a debt with an open account status? Error reported. Dispute resolved? Customer disagrees? So I wanted to report this on MY OWN self right XXXX XXXX  and Credit Corp Solutions?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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:
I filed with your agency approximately three months ago. In my initial complaint, I clearly stated that the accounts listed below are not mine. Despite providing numerous pieces of evidence to support these inaccuracies, I have yet to receive any proof of how Experian validated these accounts within the designated 30-day period. 

I am deeply concerned about the prolonged and frustrating nature of this process, which has affected me and placed a significant strain on my family. I kindly request your immediate attention to rectify this situation by removing the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn addition according to 15 U.S. Code 1681e - Compliance procedures 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 section 1681b of this title. 

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. 

Please delete the accounts above from my account immediately if this is not done I will have to involve a lawyer and take further legal action to rectify this 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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXXXXXXhas been reporting erroneous information to my credit report. I have outlined all of the errors in my attached screenshot. This is making it extremely hard for me to get a home for my family. These errors are unlawful according to the FCRA please remove immediately from all reports because Im have the right to a fair and accurate 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 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My account was always paid on time and I would receive 30 day late payments or more sometimes and never understood why. I asked for a credit increase and everything went south from there. My account was closed without my knowledge XXXX of 2023 and I'm still being charged on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have several addresses and telephone numbers on my credit report that is not associated with me. I also noticed several different names on my report as well

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