vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: TX

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-03-25 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: SC

Complaint narrative:
Hello good day I'm contacting you for your help I'm having problems with my resolution to my problems. I asked the credit bureaus to investigate and help with in accuracy on my report. They said they did the investigations but once I checked my report and I found more inaccurate information than every. I really need your assistance because they will not help me. I'm going this myself because I can't afford to get help because I'm XXXX and on a fixed income that's why I would like for you to please help me thank you

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 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
On approximately XX/XX/24, after falling victim to a suspicious website while trying to obtain my 1098 for my taxes, I **proactively** reached out to USAA to inform them that some of my personal identifying information may have been obtained. 
On XX/XX/24, I received a text from USAA informing me that my account had been frozen. That same day, I received an email from USAA with some forms that I was unable to access. 
I decided to go to a local financial institution to try to get a new account established. After speaking to a representative at XXXX XXXX XXXX, she advised that we attempt to call USAA, which we did while in the representatives office. 
A gentleman by the name of XXXX answered the call. He was hesitant to provide any information, but when pressed, informed me that my account was being closed due to fraud. He informed us that our funds were frozen for 60 days and that after that time, the account would be closed. When I informed him that there was no fraud on the account, he suggested that I log in to my online banking to verify this. I was unable to log in, as my online banking had been suspended, but my husband was able to log in using his credentials and we confirmed once again that there was no fraud. 
I tried to explain that not having access to the funds in my account caused a hardship for my husband and I, as we did all of our banking with USAA. He informed us that the decision wasn't made by him, but the " XXXX Department ''. We asked to speak to the XXXX Department and was informed that they don't speak to members. XXXX did say that he would ask for an account review from the XXXX Department, but that they wouldn't have an answer for a week and that we would have to call back to find out what was determined from the review. 
Additionally, we were initially told that we could still use our USAA credit card, but every time that we've tried to use it, it has been declined. We have reached back out to USAA multiple times and each time are told that it should work, but it declines. Our direct deposits go into that account, and we have no access to OUR funds. 
I could see if the funds being held were of a suspicious nature, but when they are from multiple direct deposits that have gone into account for approximately 10 years, this is unreasonable. With a complete hold of our deposited funds, how are we expected to live for 60 days? We've got bills to pay, medications required, need to eat, etc.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
i have escrow, mortgage company not paid my due taxes for XXXX  year, after contacting them over XXXX  times they paid for XXXX not XXXX and charged me all the penalties and late fees that was billed by the city. due this matter my payments went up from {$3600.00} to XXXX i can no longer effort this we also got sued by the city for non paid taxes. and now i have to sell this home because this matter that was not solved by the mortgage company over a year. mortgage company said they where investigating it but its been over a year and i paid almost XXXX more then what i had to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: GA

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: TX

Complaint narrative:
I applied for a loan with XXXX XXXX as I've done before. This time it was taking significantly longer to get a response ( going on XXXX days as of now, usually takes hours ) ; in the meantime they've sent quite a few emails and messages about applying for a loan, so i called customer service to find out they wanted to verify an old account. I no longer have it. I requested to update the details and the agent instead insisted on using the old account. Even ignored me when i repeated clearly that i no longer have that account and there's no way to verify something that no longer exists. Instead of informing me how to update the information, they proceeded to not give me any option asked if there was anything else I needed and immediately sent a denial email less than XXXX XXXX later obviously based on not being able to verify an old account for income that they were informed is no longer the right account. Which also means my last XXXX applications were denied in part for the exact same reason without being informed. Had i not called, I wouldn't have known. And each attempt counts against me and they're not explaining why the denials are happening in the correspondences. Due to their incompetence I demanded that they close my online account immediately in which ironically they're taking their time to respond too. Something should definitely be done about this company and if i wasn't initially desperate I wouldn't have dealt with them in the first place. I'd strongly suggest all stay away from them and report them if they reach out to you unsolicited, especially if you applied through a loan finder service and that's how they found you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: GA

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. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-03-25 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: MI

Complaint narrative:
These late payments are inaccurate and I've tried to get them removed various times throughout the years with no resolution from XXXX XXXX. The late payments are : -60 days past due as of XX/XX/XXXX, XX/XX/XXXX -30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Per USC CODE 1666B " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' I did not receive any statements, rather mail or digital mail / email within 21 days of my statement.

These late payments should removed or updated as current / positive status on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: MI

Complaint narrative:
These late payments are inaccurate and I've tried to get them removed various times throughout the years with no resolution from XXXX XXXX. The late payments are : -60 days past due as of XX/XX/XXXX, XX/XX/XXXX -30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Per USC CODE 1666B " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' I did not receive any statements, rather mail or digital mail / email within 21 days of my statement.

These late payments should removed or updated as current / positive status on 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 explanation
Consumer complaint received 2024-03-25 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: CA

Complaint narrative:
There is a personal loan on my credit report from XXXX in the amount of {$10000.00} opened XX/XX/year>. 
I have no knowledge of this loan, I have never taken a personal loan in such a high amount. 

Ive recently started checking my credit report for errors a this is an error. 
I opened a dispute with Experian to get this error corrected but Experian ignored my evidence and my statement and within less than 24hours reported back that the account is accurate.

I submitted bank statements as proof that my account never received any such deposit. 

I gave a detailed statement that I never opened that account. 

My fico score isnt high enough to get a {$10000.00} personal loan. 

It seems to me that the investigation ignored all the obvious evidence that this is not my loan account. 

I can also submit bank statements proving that the alleged loan repayments XX/XX/year> never took place. 

Experian knows this to be true since I have had an account on their app since before 2021. Along with my XXXX XXXX account linked to it. 
Any real investigation would have shown what Im saying is true.

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 2024-03-25 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I entered into a trial modification with Bank of America. During this time the bank put a freeze on reporting me as being late. While I made all of my payments on time the bank still reported two months as late. The explanation that I have been given is that for some reason the bank set the freeze to end at the end of XX/XX/year> instead of XX/XX/year>. No one at the bank can give me an explanation. I have tried going through the credit bureau, I have tried having Bank of America research the matter to no avail. No one can give me an answer. I spend hours on the phone being transferred from one department to another department. The two late payments in XXXX and XX/XX/year> should not have been related as late. I just want those two items corrected. This is having a negative effect on my credit score. This is the only step that I have left.

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 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MN

Complaint narrative:
i received an email on XX/XX/year> from Chime regarding a Chime XXXX XXXX XXXX XXXX Credit Card that i did not authorize or apply for. it also said i have a checking account opened. I did not open this account. i called and gave all my personal information to chime and ask them to close the account. I am still receiving emails from chime and they have not honored my request to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: IL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: GA

Complaint narrative:
Kindly update my account this causing me a lot of stress 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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX, I received denial of business credit with Chase, I have sent out Adverse of action letters in regards to this matter. I am still waiting on a response from the Executive team member by the name of XXXX ( XXXX ) XXXX XXXX ext. XXXX at Chase reference numbers : XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: IL

Complaint narrative:
According to the laws, 15 us code 1681 ( b ) ( 2 ) 15 usc 1681 ( a ) ( 1 ) 15 us Code 1681 ( c-2 ) 15 Us code 1681 ( a ) ( 2 ) ( a ) ( i ) These accounts should not be deleted 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

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 2024-03-25 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: IL

Complaint narrative:
According to the laws, 15 us code 1681 ( b ) ( 2 ) 15 usc 1681 ( a ) ( 1 ) 15 us Code 1681 ( c-2 ) 15 Us code 1681 ( a ) ( 2 ) ( a ) ( i ) These accounts should not be deleted 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
Consumer complaint received 2024-03-25 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 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 non-monetary relief