vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: MA

Complaint narrative:
I Received A copy of My Credit Report I saw Accounts That Don't Suppose To Be There Please I Demand these ACCOUNTS and INQUIRIES to be REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. THESE ARE THE ACCOUNTS : XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$320.00} ACCNT : XXXX XXXX XXXX XXXX XXXX Balance {$450.00} ACCNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX {$13000.00}. 
THESE ARE THE INQUIRYS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Under FCRA Consumer SECTION : 15 USC 1681B Permissible Purposes, 15 USC 1602 opt-out option, 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years.

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 2024-11-19 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: MA

Complaint narrative:
I Received A copy of My Credit Report I saw Accounts That Don't Suppose To Be There Please I Demand these ACCOUNTS and INQUIRIES to be REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. THESE ARE THE ACCOUNTS : XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$320.00} ACCNT : XXXX XXXX XXXX XXXX XXXX Balance {$450.00} ACCNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX {$13000.00}. 
THESE ARE THE INQUIRYS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Under FCRA Consumer SECTION : 15 USC 1681B Permissible Purposes, 15 USC 1602 opt-out option, 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years.

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 2024-11-19 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: GA

Complaint narrative:
I recently investigated my credit report and found several items there to be inaccurate under 15 US Code 1681e ( b ) Accuracy of Report- Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by 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 furniture of that information that the information has been modified or deleted from the file of the consumer. 
Please delete any inaccuracies regarding the following accounts from my credit report immediately : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I signed up for the American Express Delta SkyMiles Reserve card with a welcome offer of XXXX SkyMiles after spending {$5000.00} in the first 6 months. 

By XX/XX/XXXX, I had spent over {$6000.00}, but I hadn't received the XXXX in my Delta SkyMiles account. 

I reached out to them on XX/XX/XXXX, and they opened an investigation to check why I hadn't received those SkyMiles. I was told to wait 7-10 days and to reach out again after that. 

Since then, I have been checking with them about the status of the investigation, some times being told I had to wait longer, others that the investigation had finished and I would have the SkyMiles credited in my account within 24-72 hours. 

As of today, I do not have the SkyMiles, and I was planning to use them for XXXX flights. If I had known this would take this long, I would not have opened the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Despite my attempts to resolve inaccuracies on my credit report, American Express has not taken appropriate measures, raising major compliance concerns in relation to the FCRA/FDCPA. The handling of my disputes has been inadequate and violates the FCRA. Specific issues include Delayed Responses : My inquiries have gone unanswered for an unreasonable time, violating my right to prompt dispute resolution. Inadequate Investigation : The institutions investigations have been superficial, failing to address my specific concerns and failing to respond to the Illinois Attorney General. Non-Compliance with Consumer Protection Laws : The institutions lack of responsiveness and transparency raises serious compliance issues, concerning the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
I deposited tax refund check into my account and now its restricted with no information giving to me to why its closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, i listed this address as fraud every account connect to this address should be removed and including debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, i listed this address as fraud every account connect to this address should be removed and including debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-11-19 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: CA

Complaint narrative:
This letter serves as a follow-up to my Final Demand for Immediate Action regarding the unresolved disputes related to the inaccurate and unverified items on my credit report. I am deeply disappointed that despite my prior attempts to address these errors, you have failed to conduct a thorough investigation or take corrective measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
This letter serves as a follow-up to my Final Demand for Immediate Action regarding the unresolved disputes related to the inaccurate and unverified items on my credit report. I am deeply disappointed that despite my prior attempts to address these errors, you have failed to conduct a thorough investigation or take corrective measures.

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 2024-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
During the month of XXXX we were working with our current mortgage company, Freedom Mortgage on a " streamline refinance ''. We were originally scheduled to close on XX/XX/XXXX. After minimal communication with the scheduled notary, they did not show up on the closing date. We planned the closing at the end of the month in order to keep the " cash to close '' low as we are already struggling financially. After multiple phone calls with both Freedom mortgage and the title/closing company ( XXXX XXXX  ) we were told we would close XX/XX/XXXX with the same numbers/amounts. Freedom mortgage could not get the documentation dates updated in time, so we then rolled into XXXX. Since in XXXX, the " cash to close '' amount went way up. We then requested assistance from both Freedom Mortgage and XXXX XXXX to help cover the " cash to close ''. After rescheduling to close on XXXX XXXX ( cancelled by Freedom ), XX/XX/XXXX ( cancelled by Freedom ), and now XX/XX/XXXX, neither Freedom mortgage or XXXX  XXXX will offer assistance in the extra XXXX $ we have to come up with for the current " cash to close '' amount. Multiple closing dates and " cash to close '' amounts were discussed over multiple phone calls and emails with Freedom Mortgage. Over the last 4 weeks, multiple people have refused to take our phone calls and/or refused to call us back with information about what was happening. Many people could not/ would not give a straight answer and many departments working on our loan were not reachable via phone calls. This is by far the worst experience and worst customer service I have ever had. As of no fault of our own, we now have to come up with money we do not have in order to close this refinance process.

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 2024-11-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
I have been trying to work with my 2nd lien holder on a loan modification for almost 2 years - I have sent in over 365 pages of documentation & they continue to give me countless letters over 35 saying " they are working on it '' ... I am now gainfully employed & would love to have a loan modification in place but I cant ever reach the real decsion makers to get it taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
This letter serves as a follow-up to my Final Demand for Immediate Action regarding the unresolved disputes related to the inaccurate and unverified items on my credit report. I am deeply disappointed that despite my prior attempts to address these errors, you have failed to conduct a thorough investigation or take corrective measures.

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 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and records from my credit file. As a victim of a data breach, I have identified the following items as fraudulent : 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

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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account name XXXX XXXX account number XXXX.I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have received continuous calls despite filing complaints about this company calling about a debt that is not owed. They are claiming to be representing Sychrony Bank in a breach of contract allegation against me. I have reached out to Synchrony via the CFPB and they responded with details that this company is not representing them. Additionally they said that due to the age of the debt ( 15 years ) they are no longer collecting on it and no collectors should be continuing to do so. 

The callers have never given clear indication of who they are. They have said their name is multiple different things every time they call. This time they said they were XXXX and XXXX. However a search of the phone number given as their contact goes back to a XXXX XXXX XXXX. The first time they called they tried to claim I owed $ XXXX. I made it very clear to them that I had contacted synchrony and that not only do they not have a lawsuit against me, they are not being represented by this company. The woman in the phone quickly backpedaled say it is them that has the debt. I told the woman Im not paying anything without debt validation showing this debt is still in the allotted period for collections and they can show me documentation that it is synchrony collecting the debt. They do not provide this information and just hang up when asked and refuse to take calls from you after.

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
There are several times that I was charged in overdraft fee even though the money was in my savings account and could be transferred over to my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-19 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: 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 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANCO POPULAR DE PUERTO RICO
State: MD

Complaint narrative:
XXXXXXXX XXXX XXXX I called Banco Popular XXXX ( XXXX ) XXXX to request transfer of funds from my savings account with popular in Puerto Rico to my son 's account in XXXX XXXX XXXX. I moved to Maryland XX/XX/XXXX and was still in the process of setting up a new account with XXXX XXXX. We began the process when I received an email from XXXX XXXX saying I was approved, so I told Banco Popular I would have XXXX XXXX transfer funds to my new account. XXXX XXXX set up new account at XXXX XXXX XXXXXXXX XXXX. I was informed they could not do a transfer of funds from Popular, should try Popular. XXXX XXXX called Popular XXXX again and was told they could not transfer funds to XXXX XXXX w/o explanation, I should try XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : 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

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