vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
This complaint pertains to late payments erroneously recorded on my credit report. Upon careful examination of my records, I discovered these inaccurate entries. Despite having submitted correspondence about this issue more than 30 days ago, I have yet to receive any response or adequate validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
I already submitted my complaint with your against Current Debit Card which has had headquarters in XXXX XXXX XXXXXXXX and the Financial institution location in South Dakota and this complaint included XXXX XXXX XXXX XXXX I believe I submitted my complaint with your CFPB against XXXX XXXX XXXX XXXX who's overcharged my Debit Card between I summited between 1 to 3 years ago but I don't get the help with your CFPB see if in this time your help me recovering this amount of money which is around {$600.00} dollars thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: CA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My complaint is simple. I have accounts with XXXX, XXXX and TransUnion. I wanted to change my password on all three. I logged onto XXXX and did so easily. I logged onto XXXX and did so easily. 

TransUnion was an abject disaster. My log in information did not work. I tried to use their Online Chat but got no response. I called their number and waited forever. I left a call back number as they suggested. No response. They asked for personal info to verify it was me. I gave it, but am concerned about how and why it was asked for. How can this one agency be so terrible when the other two were superior and easy to access and deal with? I want to be sure my information has not been compromised trying to make sure my information is not compromised.

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 2024-09-12 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: NC

Complaint narrative:
in god we trust under XXXX liberties we ask that you correct this report under Gods Grace all debts are forgiven jesus XXXX  for our sins Amen

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 2024-09-12 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: FL

Complaint narrative:
Im incredibly frustrated and disheartened by the lack of attention to my repeated requests to fix the errors on my credit report. Its been an ongoing issue, and despite reaching out multiple times, I feel like my concerns are being ignored, which is unfairly impacting my credit and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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:
" 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-09-12 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: NJ

Complaint narrative:
I am writing to formally request the immediate removal of inaccurate information from my consumer report. As stipulated by the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information in my credit file. The following inaccuracies require prompt correction : Late Payment Report Dispute : Account : XXXX XXXX, Account # : XXXX, Date Opened : XX/XX/year>, Date Late Reported : XX/XX/year>. Per 15 USC 1666b regarding the timing of payments, this late payment should be excluded from my report. Additionally, 15 USC 1681b ( 2 ) restricts the reporting of consumer information without my written authorization. It appears that your agency is reporting information without my consent, which may constitute a breach of my rights and potentially aggravated identity theft. Please be advised that if these issues are not resolved promptly, I will pursue legal action. Each violation of the FCRA may result in damages of up to {$1000.00} as specified under 15 USC 1681n for willful non-compliance.

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 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: WA

Complaint narrative:
In XX/XX/year>, I opened a checking account with US Bank in response to a promotion that promised a {$500.00} reward after meeting a direct deposit requirement. I completed the direct deposit requirement but never received the reward. Upon my last complaint on this issue, US Bank mentioned that the promotion ends on XX/XX/XXXX. However, that's only part of the story. The truth is starting from XX/XX/XXXX to XX/XX/XXXX, US Bank make this promotion again and I opened my checking account on XX/XX/XXXX, so I should get the bonus for accomplishing the direct deposit. 

Pitifully and quite wiredly, US Bank has deleted their page on this promotion from XX/XX/XXXX to XX/XX/XXXX. Here is a third-party website that I have searched for storing this information : https : XXXX, it clearly says that " To receive the bonus, you must open a new U.S. Bank Smartly Checking account with a minimum deposit of {$25.00} either online, in a branch or over the phone from XX/XX/year> through and including XX/XX/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
Consumer complaint received 2024-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: IA

Complaint narrative:
My husband, and I, would like to make a claim for our new property in XXXX XXXXXXXX XXXX for a {$1600.00} mortgage payment we were not suppose have to pay. We closed on XX/XX/year> at the closing agents office, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX. The last mortgage payment from the sellers during the closing process was not secured appropriately. Our first payment on our assumable mortgage was due XX/XX/XXXX. Because the sellers check did not go through with Flagstar Mortgage, ( we were told because it bounced ), we were harassed by the mortgage company at the beginning of XXXX for late payment, penalties, and late fees. This is because of the Flagstar Mortgage Company. We were inundated the month of XXXX with letters calls and emails to pay for a month we did not owe by the mortgage company. I brought it to multiple people at Flagstar, and their Assumption Department, the realtors and closing teams attention. Flagstar did absolutely nothing until I made multiple calls and more emails. Flagstar said in an email they finally received another check from the sellers. Yet, we were not giving a refund. Again, our first payment for the loan XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  When I made our ( the buyers ) XXXX payment, it was applied to the XXXX payment without our permission. We called Flagstar about this issue, and they told us its not their problem. We then had to pay for XXXX payment ( so we had a double payment in XXXX ) We have called and/or emailed the issue multiple times for the past three months with our real estate agent, the sellers agent, the closing agents/title opinion from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, yet nothing has been done. 
XXXX Now we signed mortgage documents after 4 months from XXXX to XX/XX/XXXX, and the payment was supposed to be XXXX. It went up to {$1900.00} with no warning. I called. They said it was insurance related. Our home owners insurance was {$3200.00} dollars. I got different insurance, Geiko- {$2200.00}, and made sure they received all of the information. Then they asked for a check. I sent Flagstar {$3200.00} on top of getting cheaper insurance of {$2200.00}. Now they want {$2000.00} for next month. The mortgage payment should have gone done by at least {$300.00} a month, not up. 

They owe XXXX {$1600.00} for the month of XXXX, and they owe us for taking to much out for mortgage payments with no documents.

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 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VI

Complaint narrative:
I deposited a check on XX/XX/year> for {$75000.00} in in person with Drivers License at a Citi Bank branch in XXXX Florida. my account has been locked up since then and no access to my funds that were in the account prior to deposit and deposited funds. the check has been verified by the issuer a dozen times and by the Issuing Bank ( XXXX XXXX ) multiple times, the account is still locked up. We are going on XXXX weeks of this with no answers.

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 monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I was contacted by Credence Resource Management , LLC. about a pending debt with XXXX XXXX XXXX of a XXXX account I do not have. I contacted XXXX XXXX XXXX and confirmed I dont have or had in the past an account with them. I also dispute the case with Credence Resource Management , LLC. and requested a written notice of the case, which I didnt receive. The person that called mentioned the case was sent to collections, which has impacted my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: DC

Complaint narrative:
You are in violation under 15 U.S.

Code 1681i ( 5 Removal of Inaccurate invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy You have violated law 15 U.S.C.

Sec. 1681 ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether loan balance, last date reported, date last active is inaccurate. 
XXXX XXXX XXXX Please remove this account immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: DC

Complaint narrative:
You are in violation under 15 U.S.

Code 1681i ( 5 Removal of Inaccurate invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy You have violated law 15 U.S.C.

Sec. 1681 ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether loan balance, last date reported, date last active is inaccurate. 
XXXX XXXX XXXX Please remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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:
Im incredibly frustrated and disheartened by the lack of attention to my repeated requests to fix the errors on my credit report. Its been an ongoing issue, and despite reaching out multiple times, I feel like my concerns are being ignored, which is unfairly impacting my credit and peace of mind.

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 2024-09-12 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: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

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 2024-09-12 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:
As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 
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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief