vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
On XX/XX/2024 at XXXX I called Axos Bank to inquire about atm fees and to get more information about international transactions. A rep initially accessed my account but did not know what she was doing and sounded lazy over the phone as if she was sleeping. When I asked her about the atm fees she did not know what to say and I was skeptical. I asked to speak to a supervisor and she cut me off and rerouted the call. I called again about at XXXX and spoke with XXXX a supervisor but also she gave me the wrong information and did not know about atm fees. She was telling that international fees I had to pay but when checking my account there was a credit of {$5.00} refund for an international fee I just did in XXXX. I don't know if this refund was a courtesy or a fee that was refunded. Anyways she told me atm fees were refunded at the end of the month but that is not true. Because my atm fees are refunded almost immediately. When I questioned her she got snappy and did not want me to talk. I requested a call from a supervisor but nobody ever gave me a call. Axos bank used to have great customer service but now is terrible nobody knows anything and reps hanging up the phone on you and giving misleading information. This bank is going down the drain and others are stepping in to take in the unhappy customers. I don't like when reps are rude and don't know their job. Also a request was made for a supervisor to call back but it never happens. Maybe is a way for the rep to refuse the call. Also XXXX told me that atm withdrawals can only made from certain atms and to look it up. But since I opened my account I was told that i could withdraw money from any atm and the fees would be refunded and that is how it has been. I withdraw cash from any atm. Now as far as making deposits I just found out that Axos cut access to most banks so things changed. Before I could make cash deposits at XXXX XXXX  but recently just found out not available and other banks as well. I was never told this by Axos bank and it would have been helpful to pass this information to consumer and not mislead u. So some features that this bank started with in the beginning such as great customer service and all other benefits, now are being erased and are not available anymore. I want to know more information about international atm fees and also what banks i can make cash deposits. I had to make this complaint because it seems your reps don't have an idea what they are doing and don't want my call to be cut off or dropped from an unhappy customer service rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: TN

Complaint narrative:
In accordance with the fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other than records of conviction of crimes which antedates the report more than seven years.

U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency of 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 explanation
Consumer complaint received 2024-04-08 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in 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 2024-04-08 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/2024 I am reporting a fraudulent inquiry found in 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 2024-04-08 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: OH

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 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-08 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: TX

Complaint narrative:
Dear Credit Bureau, I received a copy of my credit report and i have found the following items listed below to be in error. These accounts are listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


XXXX XXXX XXXX XXXX ACCOUNT # XXXX I was Never Late on ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 or XX/XX/2023 ) on this Account Please Update the account as PAID/CURRENT. 

15 U.S. Code 6802 ( b ) ( B ) Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 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.

This account has violated my rights.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes.

Thank you for your help in 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 non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TradeStation Group, Inc.
State: MD

Complaint narrative:
On XX/XX/year> I opened a Tradestation account using a promo code XXXX which said if I deposit a minimum of {$500.00} within 30 days of account opening and maintain $ XXXX I will get a {$150.00} bonus. 

I deposited {$500.00} on XX/XX/year> and I have maintained the balance since but have not received the bonus. Upon contacting Tradestation they are claiming that I did not deposit at least {$500.00} and so they can not honor the promo code. In their offer it did not say that {$500.00} need to be deposited in one transaction.

I have attached a screenshot from Tradestation which shows that {$500.00} was deposited on 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 monetary relief
Consumer complaint received 2024-04-08 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: IN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: NC

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 2024-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I am reaching out to request your intervention in a matter that is critically impacting my financial health. 

Account Details : Creditor : One Main Balance : {$10000.00} Account Number : XXXX One Main has written off the debt, which should be to my benefit. However, the continued reporting of this debt on my credit report is unjustly affecting my credit score and, by extension, my ability to secure employment, obtain loans, and find suitable housing. 

This issue transcends a mere reporting error and reflects a pattern of unfair financial reporting practices. The persistence of this negative entry on my credit report, despite the debt being written off, is causing significant distress and is an obstacle to my financial advancement. 

I kindly urge the CFPB to review the reporting practices of One Main and to facilitate the expeditious removal of this entry from my credit report. 

Your prompt attention to this pressing issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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:
I discovered that I was a victim of identity theft, multiple credit cards and loans were taken out in my name by changing my personal information and utilizing my social security number. I noticed XXXX bank visa card account showing on my credit report, it does not belong to me so I immediately filed a report on identiytheft.gov and sent a copy of the report to the credit reporting agencies and the original creditor. The card account came off my credit report for over a year, it recently showed up again. I contacted the credit agencies and XXXX bank directly, they have not responded to my requests and have not removed the incorrect 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 2024-04-08 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:
I discovered that I was a victim of identity theft, multiple credit cards and loans were taken out in my name by changing my personal information and utilizing my social security number. I noticed XXXX bank visa card account showing on my credit report, it does not belong to me so I immediately filed a report on identiytheft.gov and sent a copy of the report to the credit reporting agencies and the original creditor. The card account came off my credit report for over a year, it recently showed up again. I contacted the credit agencies and XXXX bank directly, they have not responded to my requests and have not removed the incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: NV

Complaint narrative:
I discovered that I was a victim of identity theft, multiple credit cards and loans were taken out in my name by changing my personal information and utilizing my social security number. I noticed XXXX bank visa card account showing on my credit report, it does not belong to me so I immediately filed a report on identiytheft.gov and sent a copy of the report to the credit reporting agencies and the original creditor. The card account came off my credit report for over a year, it recently showed up again. I contacted the credit agencies and XXXX bank directly, they have not responded to my requests and have not removed the incorrect 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 explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
All payments under this account were paid on time.

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 2024-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
constantly getting calls and emails from them.

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 2024-04-08 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-04-08 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX  XXXX  keeps charging my late fees after my card was closed per my request and also I made payment on XX/XX/2024 payment was never processed therefore my account became past due and was charged another late fee. XXXX XXXX XXXX  has been handling my account poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: AL

Complaint narrative:
XXXX XXXX XXXX balance is around XXXX collection account paid in full balance updated to XXXX payment status stills reports as charged off as bad debt, which is incorrect comments on the account reports as unpaid balance, charge off

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 2024-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
My husband and I went under contract on the purchase of a home located at XXXX XXXX XXXX XXXX TN XXXX on XX/XX/XXXX. This home purchase was based on using the VA Loan Assumption through Freedom Mortgage loan # XXXX. 
The process had been terrible and awful from the very beginning with delay after delay in getting the process started. 

XX/XX/XXXX we FINALLY received an email from a loan processor ( XXXX XXXX ) requesting a few additional documents, which were sent as requested immediately. Said email from XXXX stated " Once all documents are in, I will be submitting the application to the Underwriting Department. They will complete an Initial review for Conditional Approval. Underwriting turn around is 30 Business days ( not including Saturday and Sunday ) to pick up the application for review. 

When we have Conditional Approval, the Underwriter will list out the documents needed for Final Approval. I will reach out to you to go over the documents needed. When I receive those document from you, I will work to submit the application back to the Underwriter to review for Final Approval. Underwriting turn around is 30 Business days. ( not including Saturday and Sunday ) '' We have been going in circles with them as they keep coming up with excuse after excuse on documents they need. It is now XX/XX/XXXX and we still have no idea when we will be closing. This feels very deliberate and intentional of Freedom Mortgage to not want to have the loan be assumed because it is a lower interest rate so their is no incentive for them. The seller of the home and I are BOTH military veterans and are absolutely disgusted with how this is being handled. Their hold music/message boasts about supporting military and first responders but this is far from the truth. I want this resolved and I want answers on the intentional delays.

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 2024-04-08 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: NY

Complaint narrative:
I was attempting to purchase a vehicle and I realized I had damages on my credit report. I reached out to Transunion, XXXX and XXXX regarding the charged off XXXX  XXXX & XXXX accounts listed and the 2 hard inquires, but I had no luck. I was told by a representative, that companies have the right to access my reports, as long as they possess my information. That is FALSE. According to the 15 U.S. Code 1681- Congressional findings and statement of purpose law, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The 3 credit bureaus are not recording my information accurately, which is not fair and not equitable to me. There should not be any damages on my report. That is a defamation of character.

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