vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
1. My password was exposed in a data leak by Experian. Experian, one of the major consumer credit bureaus in the United States, recently disclosed a data leak. The vulnerability allowed anyone to look up the credit score of tens of millions of Americans by supplying the victims name and mailing address. The issue was discovered by an independent security researcher. Experian has refuted concerns that the issue could be systemic.

2. A fraudster accessed my account and changed the email address, phone number and password on my account. Additionally, the fraudster requested my credit report and applied for some sort of account at XXXX XXXX in my name and was denied. 
3. I tried calling Experian several weeks ago, and their phone system did not work. I was prompted to enter my ssn, zip code, and then it asked if I wanted to freeze my account or unfreeze. Experians voice recognition did not recognize or process a response of No and would just hang up. 
XXXX. Weeks later, keep in mind that a fraudster has control over my Experian account, I finally got through to speak to the fraud department. To my dismay, two representatives in the fraud dept. offered absolutely no assistance at all and said I had to speak to membership. I told the fraud reps that I am not a member, that a fraudster has accessed my free Experian account. The fraud reps didn't even understand the severity of the issue and couldn't care less. I called on a recorded line at approximately XXXX XXXX XXXX XXXX  and spoke to XXXX from a XXXX XXXX location in the XXXX XXXX. To my dismay, XXXX did not and would not offer any help. I would like to request a copy of this call because I literally lost it on the phone, making it extremely clear what my fraud related issue was, and this person told me to contact membership. I asked if she could transfer me, and it appears that they only transfer to the main line where customers have to go through all of the prompts and start from scratch. 
XXXX. I tried to reach membership, as advised by XXXX, keep in mind that my account has been taken over for about a month now, and when you say membership, the call prompt tried to force me to upgrade my membership. Ultimately, there was no way to speak to anyone in membership, as the call is programmed to hang up, but no before saying that the prompter was only allowed to transfer to a live person in limited circumstances. 
My account has been hacked into, my identity stolen, and I am going to sue the company.

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 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OK

Complaint narrative:
I open my account and created an online transfer of {$2500.00}. I did all the verification process, including the two small initial deposits made into my account. I moved the money from. I filed my first CFPB complaint on Sunday XX/XX/XXXX since they held my funds for more than seven days on an electronic transfer. Then they told me they had to investigate where the money came from and they had to contact my other bank to make sure that was my account and my money to move.. They have discriminated against me and not only that they canceled my online banking Tuesday morning, XX/XX/XXXX after I filed my consumer complaint with the CFPB. I was not allowed to have access to online banking anymore while they were holding my money and I had no way of knowing my money was safe along with them discriminating against me. They made me feel like I was a fraudster or committing a crime opening an account transferring my own money and I never received any interest for the time. My money was gone out of my account when they had it this whole time which is against a regulation. I asked to speak to the very rude ladies boss, and she told me it doesnt work that way, and she would not allow me to talk to anybody higher up than her.. I would like to see a lawsuit come out of this for holding funds longer than theyre allowed to and for discriminating against me making me feel like Im committing a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
My rights enacted by the FCRA, FBCA and privacy act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As for 15 USC 6802 B and C. I was never provided the knowledge of the opportunity to opt out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violating my rights for 15 USC 1666 B. Both the credit furniture and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim to the Federal Reserve Act section 29.

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 2024-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
We change home insurance company 's. We received our escrow from the previous insurer and sent it to out Mortgage Freedom. They miss processed it and are saying we owe the entire amount still. They have admitted they missed processes over 2 months ago but are still charging us for the amount in our monthly payment which is {$370.00} more than our normal amount. We have called the over 6 times and they said they would get it fixed but still have not. I don't know where to turn.

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 2024-12-17 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of an unknown and inaccurate account. As a victim of identity theft, my personal information was used fraudulently, resulting in this unauthorized account being associated with my credit history. I promptly filed a report with the Federal Trade Commission ( FTC ) and submitted all necessary documentation to support my case. Despite these efforts, this fraudulent item continues to remain on my credit report, causing unnecessary XXXX  and potential harm to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: GA

Complaint narrative:
I was reviewing my credit report at Equifax and noticed that there were 3 accounts that are in error and reported illegally and in violation of 15 usc 1681, the tax code, and the fair credit reporting Act. these accounts are as follows:1. XXXX XXXX {$910.00} charge off without notice, ( 1099c ) to debtor.2. XXXX XXXX XXXX {$5000.00} showing collection status however also showing charge off status at XXXX XXXX base. this account is a charge off disguised as a collection in violation of the tax code, 15 usc 1681. thereto this account also misrepresents the actual amount owed in violation of the FDCPA. 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$270.00} this account also is illegal and misrepresents amount owed in violation 15 usc 1681 and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection services are trying to collect an debt from me that I never verified as my debt. I never established a contract with this company and I don't owe this company any money. They are in violation of my rights and the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc.
State: GA

Complaint narrative:
I am very dissatisfied with Alliance response to my previous response I submitted. In their response they indicated that I verified the debt as my debt and I never verified the account to be my debt. Furthermore I never received any anything verifying that it is my account. Secondly I requested for the company to stop all collection attempts and they stated that they would mark it as disputed. I am request that this erroneous information is never placed on my credit report.because that would be in violation of my rights and the laws of the FCRA.I am very dissatisfied with Alliance response to my previous response I submitted. In their response they indicated that I verified the debt as my debt and I never verified the account to be my debt. Furthermore I never received any anything verifying that it is my account. Secondly I requested for the company to stop all collection attempts and they stated that they would mark it as disputed. I am request that this erroneous information is never placed on my credit report.because that would be in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 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 generallf, 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 2024-12-18 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: NJ

Complaint narrative:
I looked at my XXXX credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 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 generallf, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-12-18 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: CA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX Acct # XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2024-12-18 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: DISCOVER BANK
State: AL

Complaint narrative:
On XXXX XX/XX/year> XXXX XXXX XXXX quoted me {$650.00} for an auto policy. However, they charged me {$780.00}. 

I emailed the agent at XXXX XXXX ( XXXX XXXX ) on XXXX XX/XX/year> and told her to cancel the policy and issue the refund. She sent an email stating that the policy had been cancelled and that a refund would be issued. 

As of XXXX XX/XX/year>, the refund had not been issued. 

I called Discover on XXXX XX/XX/year> to dispute the {$780.00} charged to my Discover card on XXXX XX/XX/year> off my account. I explained that I am ill and about to go in for XXXX and I needed it disputed before I go into XXXX on XXXX XX/XX/year>. 

Discover REFUSED to open the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
TransUnion is violating my rights by continuing to report inaccurate information to my consumer report the other two agencies have removed the information TransUnion is refusing to uphold its legal obligation and I demand that all inquiries and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry all be deleted immediately from my 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 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
My email was hacked and had to be closed I tried to change my email coinbase keeps taking me through the verification process but refuses to verify me and I can't access my old email to verify so I am locked out of my account they keep running me in circles and the only recourse they have is an AI system that is of no help and there's no way to speak to a person so their is no way to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-18 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: LA

Complaint narrative:
Company or Organization : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This account is not mine and needs immediate removal. And I never lived at the address attached to this account either. Ive tried disputing 5 times and no response. It was involved in the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation