vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THESE ACCOUNTS ARE REPORTING INACCURATE INFORMATION AND HAS PUT ME IN FINANCIAL DIFFICULTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BSI Financial Holdings, Inc.
State: MA

Complaint narrative:
I have been in contact with the loan Holder and they are refusing to take my payments and never provided information on a loan repayment plan. I received a letter XX/XX/XXXX I have until XX/XX/XXXX to cure the loan. How can I cure the loan whrn they refuse to take my payments? 
I have left numerous messages for a supervisor and no return calls. I am on the phone now with a XXXX who has had me on hold for 30 minutes. With no resolution. 
The company is BSI Financial Services in PA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
This company is reporting fraudulent, inaccurate information to my consumer banking reports. They are reporting negative information about accounts that are fraudulent and do not belong to me. The company must remove these fraudulent accounts from my Early Warning reports immediately. These accounts are fraudulent and have been reported for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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 file a complaint about fraudulent items on my TransUnion credit report. These items are the result of identity theft stemming from the XXXX data breach. Despite providing proof of my identity theft and filing a police report, TransUnion has not removed the fraudulent information from my credit report. 

Under 15 U.S.C. 1681c-2 ( a ), I am entitled to request that fraudulent information be blocked from my credit file after submitting a police report. I have already submitted the necessary documentation to TransUnion but have not seen any corrective action. 

XXXXXXXX XXXX Balance - {$17000.00} Date Opened - XX/XX/XXXX XXXX XXXX - {$5400.00} Date Opened - XX/XX/XXXX XXXX XXXX - {$4900.00} Date Opened - XX/XX/XXXX XXXX XXXX - {$4600.00} Date Opened - XX/XX/XXXX XXXX XXXX Balance - {$35000.00} Date Opened - XX/XX/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 2025-01-03 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: TX

Complaint narrative:
XXXX/Transunion/XXXX are intentionally reporting inaccurate information on my credit report. I have attempted to dispute multiple times, and they keep " verifying '' information unrelated to me. the only error they corrected via a dispute was my social which is a prime example of how I am sure the information is for someone else if they didn't even have my correct social security number. My info was leaked in an XXXX data breach.

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 2025-01-03 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: TX

Complaint narrative:
ExperianXXXX  are intentionally reporting inaccurate information on my credit report. I have attempted to dispute multiple times, and they keep " verifying '' information unrelated to me. the only error they corrected via a dispute was my social which is a prime example of how I am sure the information is for someone else if they didn't even have my correct social security number. My info was leaked in an XXXX data breach.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I filed a letter ( certified mail ) XXXX weeks ago stating that my personal information was incorrect, and that I would like my current address updated, and an old address deleted. I also asked that my name ( typed in reverse ) be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: NY

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 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 2025-01-03 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: LA

Complaint narrative:
XXXX XXXX XXXX  collection company XXXX XXXX XXXX was charged off in XXXX have requested this debt be verified and it has not.I have also requested proof I owe this collection company XXXX XXXX XXXX and XXXX havent received it. I have disputed this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1692c ( c ) If a consumer disputes a debt, the debt collector must generally cease collection efforts including credit reporting until the debt is verified. I am attaching the answers to the suit petition served to me by XXXX XXXX XXXX in which I answered the suit requesting the debt be verified. I have not received documentation verifying the debt. The suit petition and attorney notice account numbers match each other in my attached documents.they # XXXX. Once I answer the suit through the court I requested the company validate the debt and they have yet to do so. Attached is my suit answers requesting validation. I keep filing complaints and this account keeps returning verified but nothing has been provided to validate this debt.

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 2025-01-03 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Details of Fraudulent Transactions : The following charges are fraudulent and must be investigated : Date : XX/XX/XXXX Amount : {$1900.00} Merchant/Description : Raymour & Flanigan I have identified duplicate charges for the same item on my account, dated XX/XX/XXXX, and XX/XX/XXXX. This is a clear error, as the item in question was delivered to me only once. Upon requesting documentation to substantiate the second charge, I was provided with records containing a signature that does not match mine. I do not recognize or authorize this duplicate charge, and I am requesting a thorough investigation and the removal of the erroneous charge from my account. 

They charges for item that a the time Reported the issue to Raymour & Flanigan/TD Bank customer service on XX/XX/XXXX. 
Verified that my signature was fraudulently duplicated and added to the documentation provided for the entity as a constant of prof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
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 non-monetary relief
Consumer complaint received 2025-01-03 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:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year>

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 2025-01-03 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: NY

Complaint narrative:
THESE ACCOUNTS ARE REPORTING INACCURATE INFORMATION AND HAS PUT ME IN FINANCIAL DIFFICULTY MACYS/CBNA ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-03 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: GA

Complaint narrative:
These accounts are being reported on credit. I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. 15 US CODE 1681e ( b ) - Compliance Procedures Maximum Possible Accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 US CODE 1681e ( b ) - Compliance Procedures Maximum Possible Accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US CODE 1681e ( b ) - Compliance Procedures Maximum Possible Accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US CODE 1681e ( b ) - Compliance Procedures Maximum Possible Accuracy XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 



5. 15 US CODE 1681e ( b ) - Compliance Procedures Maximum Possible Accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
collection company reporting negative account on my report : XXXX XXXX XXXX. 
AMOUNT SHOWING {$2600.00}. DATE : XX/XX/year> XXXX # XXXX i REACHED OUT TO THE COLLECTION COMPANY AND THEY HUNG UP THE PHONE MULTIPLE TIMES.

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 2025-01-03 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: TX

Complaint narrative:
ALLY FINANCIAL XX/XX/XXXX, XXXX XXXX Auto Fin Via Dealer XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX CREDITCLASSIC CHEVR XX/XX/XXXX CREDCOUWM-NEW ERA LEND XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX, CREDIT INFORMATION SYSTEM XX/XX/XXXX, ALLY FINANCIAL XX/XX/XXXX, XXXX XXXX AUTO FIN VIA DEALER XX/XX/XXXX, ADVANTAGE CREDIT XXXX XX/XX/XXXX XXXX ALLY FINANCIAL XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX CORELOGIC XXXX XXXX XX/XX/XXXX, CREDIT INFORMATION XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX CRED XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX DC XX/XX/XXXX, VIA AUTO FIN XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: AR

Complaint narrative:
" As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), and with the support of an advocacy group assisting me due to XXXX XXXX debt bondage, which is recognized under the XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 and 1002. 142 ( b ) ( 7 ), 1 kindly request that you block the specified information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account is open and shouldn't be. 
Dates opened are incorrect. 
Credit limits are incorrect. 
This account is charged off status. 
Last active date is wrong as well please remove this from my credit report I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX XXXX deposited a settlement check in the amount of {$12000.00}. On XX/XX/XXXX my account was locked and put under review for the deposit. No information was given by customer service besides the fraud department will correspond by mail. I went into a branch on XX/XX/XXXX with the check and documents they wouldnt even look at them let alone provide any assistance. Also on XX/XX/XXXX I received a letter by mail stating my account and funds will be available on XX/XX/XXXX however it is still not available. On XX/XX/XXXX I contacted the bank speaking with customer service, supervisors, and the fraud department to atleast grant access to my account while keeping the funds on hold they wont honor my request or provide any assistance with my account or the funds on hold. Due to the time of month I can not pay bills or buy food or items due to not having access to any funds, even those not connected to my initial deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I've had purchases with promotional financing with XXXX and XXXX months no interest. I have been paying extra every month to be able pay the amount in time. But to my surprise, XXXX of the purchases that is supposed to be paid for in XXXX months, the amount was somewhat preserved. When I noticed it XXXX months before the due date, I called them and asked for an explanation why the amount was still intact. The person I spoke with was not able to give me an explanation except saying, '' yeah, I know what you meant ''. Then the next bill they tried to touched the amount for a little bit. Then the deadline came, I can not pay the whole amount which is too big and it incurred an interest of {$1200.00}. The purpose of me purchasing it with promotional financing is to be able to pay it slowly. But with them preserving the whole amount for XXXX months, is not right. I called them after the interest was posted and was told that the only solution is to pay the whole amount, which I can not afford. 
I attached some documents here from the bill.

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 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Self Financial Inc.
State: IL

Complaint narrative:
Ive attempted to reach out to Self Financial via phone & in app chat. However, the in app/online chat does not connect to a live ( human ) agent. The chat stays active and never connects, Ive attempted to use this chat & phone service on XXXX in regard to resolve credit card issues. There are plenty online comments about how Self Financial does not have an active/working customer service line or chat for us as customers of their financial services. Ive received an email as if I was connected the chat with an agent named XXXX and never connected. Also, after calling 5 times today the call ends 1 minute in after selecting the number on the keypad to connect with an agent. My account is pending closure because of the lack of customer service this financial service provides.

Company response to consumer: Closed with explanation