vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: NC

Complaint narrative:
My father passed away and my sibling quickly started to take over my XXXX year old mothers affairs. She visited the bank often and befriended XXXX at first commonwealth bank XXXX. She had him believing my mother was not in her right mind even though she was fine. My mother has XXXX other sisters declared poa. She went to first commonwealth where dad and her conducted business for years and changed the account to ensure that sister had no information or access to her money as she was under investigation for elder abuse. A week later my sister with XXXX help bullied my mother into going back to the bank and change things yet again! 
Within two weeks the XXXX sisters who are power of attorney with mom and moms caregivers all arrive at bank only to be screamed at by XXXX the banker who snuck behind the teller line and made a phone call to the sister under investigation. He said no money was leaving the bank that day! We called the law enforcement in. Had moms attorney on the phone and poa in hand. Mom ended up leaving with her money to deposit elsewhere. I am still disturbed at how a supposed educated and professional bank representative can conduct himself in this manner it was unethical if not illegal and caused my mother terrible sorrow and embarrassment. She has been a respected customer for years and can not believe she was treated this way or that her daughters and caregivers were made to feel like criminals when they are the people looking out for her! Its not appropriate!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I submitted a written dispute to TransUnion on XX/XX/XXXX, requesting removal of a 30 day late payment on an account on my credit report, and another letter XX/XX/XXXX, regarding some inquiries on my report that I did not authorize. I provided all required identifying information, including my full name, address, date of birth, and social security number, as well as copies of my driver 's license, social security card, and utility bills. 

However, instead of investigating my dispute as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion sent me a letter stating that I must create an online account or call them to proceed. Additionally, their letter began with the phrase, We applaud your recent efforts to take charge of your credit. 

This response is condescending and dismissive. TransUnion is legally obligated to process disputes, not applaud consumers for exercising their rights. 
A stall tactic designed to delay the dispute process and place unnecessary burdens on consumers. A violation of the FCRA, which does not require a consumer to create an online account or call in order to dispute inaccuracies in writing. 
As a single mother of XXXX and a full-time XXXX, I do not have time to sit on hold or navigate online portals that serve no legal purpose. Written disputes are the most protected method under federal law, and TransUnions attempt to push consumers away from them is deceptive and unfair.

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 2025-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
My loan was sold in XXXXXXXX XXXX XXXXXXXX. I have a lot of loans and not sure if I was properly notified. All of my loans are on auto pay from day one since it is a requirement from the lender I use. The auto draft has always been transferred to new servicer in the past for all of the loans that have been sold so I don't pay attention to my mortgage statements. When I received a statement from Faye Servicing last week, I opened it thinking it might have been a tax document. I saw that I was behind 3 months. I quickly registered for an online account and pay but it stated I was in default and needed to call in. 

When I called on the morning of XX/XX/XXXX I told the rep I need to pay the full amount. She then advised me that I had to pay the full amount plus daily default fees. I asked her if I could pay what i owed and if she could see if the lender would waive the fees. If not I could pay the fees then. She said no. She said she could file something with the investor but it could take up to 2 weeks. I asked her if she could try to do a rush so I would't get more default fees while we wait and she said no. I got started to get irate and I asked to speak with a manager and she said no and that the manager was just going to tell me the same thing. I kept pressing the issue and she finally said she would check. She came back on the phone and advised the manager would have to call me back. 

I didn't not get a call back until XX/XX/XXXX from the manager. I explained to her the situation and she said she wished I would have paid that day because they foreclosed on me the very next day. I asked why it took so long for her to call back. I was never told I was going to get foreclosed on and assumed I had time to see if they would waive the fees. Apparently they have been calling the wrong number on file so I was never called. She basically said there was nothing they could do and that mail is supersedes all other forms of communication and that calls area courtesy. She said they must have not received a form to continue the auto draft from the other servicer which is why this happened and could only try to get a reinstatement fee and that was not guaranteed the lender would accept it but it would only be a few XXXX dollars. I spoke to the previous servicer XXXX and they said they sent them everything including the auto draft continuation. 

As you can see on the reinstate invoice I had to pay {$1200.00} in daily default fees and foreclosure fees of {$3200.00} which is way more than the manager stated. I have wired the funds as of today XX/XX/XXXX because I actually care about paying my bills on time and credit. I believe XXXX mortgage failed to input my data correctly, including phone number and auto draft, and screwed me in having to pay these additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX added a person to my insurance that I did not authorize which made my insurance shoot up {$800.00} The person don't even live at my address, car not in their name Then they send it to a 3rd party collection Account info XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXXXXXX 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am Listing 2 inquiries fraudulent from my Transunion Credit Report. XXXX XXXXXXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and credit report agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove from 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint against this agency again because I sent them a dispute on the XXXX of XXXX with supporting documentation as to why the referenced items in the attached dispute letter must deleted due to its noncompliance with the FCRA. I have yet to receive the investigation results and its been more than 30 days. I demand to receive the results now. I also attached the supporting documentation and a copy of my credit report around the time I initially sent the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I went to buy something online and used Paypal. The merchant charges in XXXX  and I wanted my credit card to be charged in XXXX. In the paypal transaction page, I selected the transaction to be paid in XXXX. However, Paypal continued to charge me in USD with their predatory currency conversion fee. ( Ended up being an extra ~ {$100.00} ) I reached out to Paypals customer service and they were unhelpful and did not see it as an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and was shocked to find accounts listed that I have no knowledge of. These accounts are being reported under my name without my authorization or awareness, and I have never opened or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
My information has been compromised in multiple data breaches over the last five years. During this time, a payday loan and a XXXX account were fraudulently opened in my name. Over the past four years, my family and I have been harassed with phone calls at all hours, despite having no business with these companies or receiving any prior correspondence.

I have repeatedly attempted to dispute these items on my credit report but lacked the knowledge and resources to do so effectively. Now, I am aware of Section 605B of the FCRA regarding identity theft and am prepared to use all available resources to have these fraudulent items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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. 

US DEPT OF ED # XXXX US DEPT OF ED # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX has violated my rights. 

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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 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 the 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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. 

US DEPT OF ED # XXXX US DEPT OF ED # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX has violated my rights. 

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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 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 the the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX - XXXX - {$19000.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( XXXX  ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

2. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

2. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from 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