vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
My wife and I purchased a home around XX/XX/year>. We used an insurance broker to get quotes for several different insurance companies. XXXX of which was XXXX, but we optped for XXXX XXXX. In mid XXXX we recieved a letter from Credit Collection Services saying we owed XXXX  {$980.00}. This letter did not include any mention that we could dispute this debt, nor that there was a time limit to dispute this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: PA

Complaint narrative:
I looked at my Experian credit report on XXXX XXXX2024 and noticed some things are incomplete reporting. 
This list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX ACCOUNT # XXXX AKA XXXX XXXX Whenever a consumer reporting agency prepares a consumer repost it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15USC 1681 E B.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: TX

Complaint narrative:
My dad passed away in XX/XX/year>. At the time I went to XXXX  bank and had all the accounts transferred to trust or benefices or so I thought. 

A few months ago, the State of XXXX  saying there was still an IRA with XXXX bank in my dad 's name. Shocking since I still bank with XXXX bank. Somehow the State of XXXX  found me but XXXX bank could not. 

I have sent my dad 's death certificate and my marriage certificate to XXXX  bank even though I did this when he died originally. Still they have not released the funds. They even told my brother he too had to send my dad 's death certificate. Ironically I was told by XXXX Bank that they have a copy of my dad 's trust on file. 

I want them to do the right thing and release the funds.

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 2024-05-29 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: NV

Complaint narrative:
XXXX XXXX account XXXX is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). 

I demand account removed to prevent further Identity theft of 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 2024-05-29 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: NV

Complaint narrative:
XXXXl XXXX account XXXX is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). 

I demand account removed to prevent further Identity theft of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CapitalJ Inc. dba Juno
State: AL

Complaint narrative:
My entire balance is completely unavailable- frozen- and my credit cards, mortgage, and other bills NEED to be paid. This is affecting my credit and it is not my fault. It's been 18 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-29 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 a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-29 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: PA

Complaint narrative:
Kindly erase these inquiries. I am not informed about them, and the company did this without my authorization.

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 2024-05-29 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-29 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: CLGF Holdco 1, LLC
State: ND

Complaint narrative:
I received an email from Credit XXXX that I had a new hard inquiry. Upon reviewing it appears that there was a hard inquiry ran from XXXX XXXX on XX/XX/year>. I have not applied or inquired for anything regarding credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IA

Complaint narrative:
I have called both XXXX, XXXX  to fix this issue. XXXX  advised me to call XXXX, while XXXX told me to call the credit reporting agency myself to report it. This has been going on for almost a year. The documentation I have said the credit agency will be notified within 90 days of letter. I got the email last year in XXXX or XXXX. I need this removed. I have submitted a dispute with XXXX and all they do is just update the address and my payment status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a job offer from XXXX XXXX XXXX and they said my onboarding task was to deposit a check. So when i did as they asked, the check was put on hold and now my account is restricted and i have to go to work and school tomorrow with no gas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: ND

Complaint narrative:
I received an email from Credit XXXX that I had a new hard inquiry. Upon reviewing it appears that there was a hard inquiry ran from XXXX XXXX on XX/XX/year>. I have not applied or inquired for anything regarding credit cards.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the immediate deletion of a fraudulent account reported by XXXX on my credit report. The account in question is listed under the name XXXX XXXX XXXX. 

Despite my efforts to resolve this issue directly with XXXX, the fraudulent account remains on my credit report, adversely affecting my credit score and financial well-being. This account is completely unauthorized, and I have no knowledge of it. Furthermore, I have taken the necessary steps to report this identity theft to the Federal Trade Commission ( FTC ), and I have filed an official Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
In my second statement received from Synchrony Bank for my purchases at Sam 's Club only {$71.00} were made by me and $ {$140.00} were fraudulent charges. When I tried to call the number on the statement, I had no option of " disputed charges '' or something close to that and was subjected to insults and humiliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: PA

Complaint narrative:
I believe FCRA 605B mandates the removal of incorrect accounts from my credit report. Can you please review the documents? Several listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I received XXXX checks in the amounts of {$16000.00} and {$1600.00} from my former employer on XX/XX/XXXX. both were deposited using my mobile app that day. when I deposited the funds, I was told they would be available on XX/XX/XXXX. it is now XX/XX/XXXX and still there is a hold on these XXXX transactions. I called customer service and was told it is because the issuing bank has not " verified funds ''. I was also told that the hold has now been extended to XX/XX/XXXX. These checks are both good, i hav XXXX received deposits from my forme employer to this account the past and m, y combined balances across personal and business checking is enough t cover the checks in question if they should bounce. 

I request that this bank release my funds immediately as there has already been an egregiously long hold for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
I bought a visa gift card from XXXX for XXXX dollars. I recently tried to use the card, but saw that the balance on the card was XXXX. I called the gift card company and they stated that multiple charges were made to stores like XXXX. I tried to dispute the charges, but the gift card company stated that as its been more than 60 days nothing can be done on their end. The transactions were never reported on the website where I can check and see transactions. I reached out to XXXX and they stated they can not do anything unless I give records of the card 's use. I called back the gift card company and all they could tell me ( as they said its for security purposes ) is that on XX/XX/year> two charges were made to XXXX for XXXX and XXXX dollars. I tried to relay this to XXXX but the representative stated they would not make a formal form and I need to call the local police department. I called and they said it may not be enough in order to file a report. The gift card company is blackhawk network. Also a XXXX dollar charge was made on XX/XX/year> to XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: IA

Complaint narrative:
I have called both XXXX, XXXX to fix this issue. XXXX advised me to call XXXX, while XXXX told me to call the credit reporting agency myself to report it. This has been going on for almost a year. The documentation I have said the credit agency will be notified within 90 days of letter. I got the email last year in XXXX or XXXX. I need this removed. I have submitted a dispute with XXXX and all they do is just update the address and my payment status.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
I have called both XXXX, XXXX to fix this issue. XXXX advised me to call XXXX, while XXXX told me to call the XXXX XXXX XXXX myself to report it. This has been going on for almost a year. The documentation I have said the credit agency will be notified within 90 days of letter. I got the email last year in XXXX or XXXX. I need this removed. I have submitted a dispute with XXXX and all they do is just update the address and my payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Credit Reporting agency has failed to remove an alleged account from my credit profile. Since XX/XX/year> I have requested how they are validating this debt. The reporting agency has not properly investigated this alleged account. It is hurting my credit that this alleged account is still being reported. This alleged creditor has reported it to other bureaus who investigated this matter and found that I have no relations with XXXX XXXX XXXX. I have provided proof of this deletion from other credit bureaus, and I have also sent over this proof to Experian. I kindly request that Experian remove this alleged account from my credit report. Furnishing this account to my credit profile has violated 15 US Code 1681B, not only was I NOT notified of any account, but it has been furnished without my consent. Experian Credit reporting Agency has failed to ensure the MAXIMUM accuracy and integrity of the information they report. In this case, the inclusion of this fraudulent account on my credit report is a clear violation of 15 USC 1681E ( B ). Please move forward with removing this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: NV

Complaint narrative:
XXXX XXXX DATE OPENED XX/XX/2023 BALANCE $ XXXX not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). I demand account removed to prevent further Identity theft of 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 2024-05-29 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, 2023 is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). I demand account removed to prevent further Identity theft of personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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:
DEAR EQUIFAX I GOT UP ON TUESDAY AND PULLED MY CREDIT REPORT I THEN REALIZED IM A VICTIM OF FRAUD IDENTITY THEFT/A CRIME PLEASE HELP ME TO REMOVE AND DELETE THESE FRAUDULENT ACCOUNTS LISTED ON MY XXXX CREDIT REPORT.XXXX  XXXX XXXX XXXX IS A FRAUD CREDIT CARD OPENED ON XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, A COLLECTION XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX HELP ME TO REMOVE THESE FRAUDULENT ACCOUNTS

Company response to consumer: Closed with non-monetary relief