vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After finding out I was a victim of identity theft, I received a copy of my credit report and noticed several inaccuracies and incorrect information located within my credit report. I then sent a certified letter to all three of the main credit reporting agencies ( XXXX, Experian and XXXX ) notifying them of my identity theft situation and requesting the verification of accounts I will include within this complaint. Shortly thereafter, I received a letter stating their reasons for the remaining accounts. Due in part to the laws provided herein, 15 USC 1681 sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ) .I have included supportive information. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ) .I then sent a letter requesting a re-investigation of said accounts with a request to provide me with the necessary info as to whom you spoke to to verify this information with. I recently received a current copy of my credit report and I still see inaccurate and incomplete information within my credit report across all three of my credit file. All three bureaus included. Those being XXXX, Experian and XXXX have miscommunicated my information even after I notified them at least twice. I have certified mail with dates to further my complaint. The accounts I speak of are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I highlighted majority of the inaccurate information that falls within the guidelines of reasons to delete said accounts due to a multitude of misinformation, misrepresentation of a consumer along with other infraction that falls within. Accordingly, certain laws have been afforded to myself, a standalone consumer, to protect me against the crimes I have proven within the written comments and highlighted areas. I closed are also documents that will verify my identity which have allowed my or others to move forward because I am who my identification says I am.

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 2024-09-16 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-09-16 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-09-16 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:
Please remove any fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX  created around XX/XX/XXXX, matured XX/XX/XXXX. I am unable to withdraw the money to an external account. Attempts to interact with customer service on XX/XX/XXXX failed because I was unable to provide a keyword despite having all other account information including my SS number. They will not write me a check. I will probably not be able to resolve this issue before the XXXX  is renewed automatically, which I can not change.

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 2024-09-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: OK

Complaint narrative:
I have hard inquiries on my credit report I didn't due

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 2024-09-16 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX sent me a letter asking for payment for debt. 
XXXX i replied with certified letter stating it is not my debt i need validation XXXX resent the same information and did not provide documents that i asked for showing proof that this debt belongs to me. 
XXXX i resent them a letter asking why are they not providing this information i asked for by law. 
there tactic is to keep sending same letter and ignoring a resolution. 

This company fails and they have over 2000 complaints with the XXXX  for the same practices and they continue to break the law codes .this LVNV Funding Resurgent Capital Services.has the worst practices and complaints and they continue to violate the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 explanation
Consumer complaint received 2024-09-16 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:
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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-16 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: AL

Complaint narrative:
I am writing to formally express my concern regarding the inaccuracies in several accounts on my credit report. Despite multiple attempts to resolve this matter, these errors remain uncorrected, causing significant harm to my creditworthiness. 

The incorrect information is severely affecting my financial standing, making it difficult to manage everyday responsibilities and future opportunities. I respectfully request a thorough investigation into each of the disputed accounts and that corrective action be taken immediately. 

It is critical that my credit report is updated to reflect accurate information without further delay. I trust that your prompt attention to this matter will help restore the integrity of my credit file, allowing me to regain control of my financial well-being. 

Thank you for your understanding and swift action.

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 2024-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Credit and Collections Inc.
State: KY

Complaint narrative:
I saw that XXXX XXXX and XXXX put a {$200.00} charge on my credit. Upon calling, I was informed it was for a water bill for a home I no longer own/reside at. I had closed the account prior to moving and was confused as to how there was a remaining balance. I requested validation of debt. My first contact ( XX/XX/XXXX ) I was spoken over and hung up on and I had to call back to speak to someone else. I followed up today ( XX/XX/XXXX ) as I have not received the validation documents as of yet and was told by XXXX XXXX XXXX XXXX ) that they were sent on XX/XX/XXXX. She validated my mailing address as accurate and said she would send them XXXX more time after that she couldn't help me anymore. I requested to have them sent via email but she refused. She then began to speak over me and refused to transfer me to XXXX. I requested multiple times to speak to a supervisor and she hung up on me. I called back and spoke to someone else to complain but it seems that speaking over consumers and being difficult to work with is a standard tactic for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My student loan is being serviced by Navient. Since XXXX, when I lost my job with XXXX XXXX, I was attempting to get an Income Based Repayment plan. When I was downsized from XXXX XXXX I experienced a {$30000.00} reduction in pay. I was able to get my mortgage modified to a lower interest rate through the Making Home Affordable - Modification program. However, I repeatedly requested that Navient move me into an income based repayment plan. They would not, instead they pushed me over in a forbearance. I did not need a forbearance and was not alerted as to the exact date that the forbearance began or ended. Once I was aware that I was in a forbearance, I continuously requested a income based repayment but was told I did not qualify for one. In conclusion, the forbearance ended without my knowledge, I was not making payments because I could not ascertain the amount I needed to pay and now my credit is destroyed because the record shows I have non-payment dates on my student loan accounts. Although I have sent numerous request via the credit bureaus to remove the non-payment and slow payment credit information, Navient has not. I explained to them that I was told that I was in a forbearance and did not have to make payments. At this point I do not know what to do to get this negative information removed from my credit file. Additionally, I believe this debt should have been forgiven as part of the school loan forgiveness program. Please assist me in dealing with Navient. I am an XXXX XXXX XXXXXXXX vet and have been paying these school loans since early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Hello- I filed a claim with BMO earlier this year for three fraudulent transactions via CFPB. They refunded one and said that they would file a good faith claim for the other two as it was out of the 60 day window. 
I have called several times since then seeking assistance for the other two claims and have been sent incorrect information or hung up on. 

Recently they provided an email address : XXXX. I sent an email and never heard back. 

This morning I called twice and was disconnected both times while the person was trying to look up information. 

This issue started in XXXX of this year and I have yet to be able to finish a transaction with the customer service center. I would like the other two transactions refunded to my account so that I can move the money and go with another bank. 

I've also had issues unfreezing my account. I've been told to go to a branch- I have none in my area which I've stated numerous times. This is also an online banking account, so the branch should not matter. Now they are asking me to upload my social security card to a portal. This is the first time a bank has ever asked for this and given I already have an account with them, it seems unnecessary.

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 2024-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-09-16 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 explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently attempted to pull money from my Truist personal checking account to an external ( other bank ) checking account. After 5 days I was notified by the external account that Truist informed them that the account was closed ( screenshot attached ). I called the Truist line and a customer service rep ( XXXX XXXX XXXX thoroughly investigated my account to mention that it was frozen and could only be reactivated by other pushing money into the account or through physically going to a Truist branch ( limited in number ). 

I confirmed with the CS XXXX  that Truist made no effort to notify me of said account inactivity or provide me a chance to prevent the account from being frozen. All other banking instutions that I've worked with have provided a heads up on dormancy and it's deceptive that Truist can choose when to declare an account dormant without providing any information to the customer. For the record, the last transaction with the account was dated XXXX months prior.

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 2024-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC
State: FL

Complaint narrative:
XX/XX/24 XXXX. Contacted Flagship Credit Acceptance by phone to forward letter requesting title transfer by email from the florida DMV to register my vehicle. The letter was also sent to Flagship Credit Acceptance by Florida XXXX. I was provided an email XXXX by the Flagship customer service rep, I forwarded the letter to this email address on XX/XX/24. I called back XX/XX/24 XXXX and spoke with a Flagship CSR to confirm receipt of letter and letter was received. 

XX/XX/24 XXXX followed up on title transfer to Florida XXXX XXXX CSR stated tile was sent to Florida XXXX on XX/XX/24. I then contacted the Florida DMV to confirm they received title was not received. They verified they have not received title. XX/XX/24. 

XX/XX/24 XXXX I call Flagship back and was told the title was sent XX/XX/24, I then asked for confirmation it was sent and then was told the title was not sent and that Flagship credit acceptance does not have the title. I then asked to speak with supervisor, spoke with a supervisor she confirmed they had not title and they would receive it in 24 hours to call back and they would provide me a tracking number to my email for next day mail in sending title to Florida DMV in 48 hours. 

XX/XX/24 XXXX I called flagship credit acceptance to receive tracking information because I have not received it The customer service agent XXXX stated the title was sent XX/XX/24 and it takes XXXX weeks. I stated that is not the information I was provided and for him to contact the title dept, he contacted the title dept and stated they have the title and for me to call back tomorrow to receive tracking number for the title, ,I requested to speak with someone from the title dept and he stated I can not speak with someone in the title dept. I asked to be transferred to a supervisor was transferred to XXXX she sent an email to the title dept and stated the title is being sent and I will receive tracking number to my email today. 


My temporary tag for registration expires XX/XX/24 awaiting Flagship Acceptance to send title to register my car in Florida. I am getting the run around every call.

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 2024-09-16 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: FL

Complaint narrative:
I HAVE BEEN TRYING FOR YEARS TO CLEAR THIS ACCOUNT UP AT NO TIME DID I EVER SIGN OR ENTER INTO ANY AGREEMENT WITH THIS COMPANY. THIS ACCOUNT IS FRAUD AND I NEED THIS CORRECTED

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