vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Credit Bureaus need to update my personal information to reflect ONE name and ONE Address. 

My Name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX ALL other version is NOT me or mine and must be removed immediately.

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 2024-11-30 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I asked for XXXX XXXX XXXX to provide the original contact with my signature. Company failed to provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I asked for XXXX XXXX XXXX to provide the original contact with my signature. Company failed to provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have been a long-time user of XXXX through my PNC Bank account without any issues. Recently, XXXX unexpectedly lost all my banking information and contacts. When I tried to use XXXX again, it required me to re-enter my bank details, including my PNC PIN. I find this request highly concerning, as XXXX should not need my PIN to access my banking information, which was already linked. 

I contacted PNC 's XXXX email for assistance, but their response only provided phone numbers for support during business hours. As I work during those hours, I am unable to call, leaving me without a resolution. I am deeply concerned about the lack of support for this issue and the potential risk to customer safety and privacy. 

I would like PNC to address this issue and ensure that sensitive customer information, such as PINs, is not unnecessarily requested by XXXX or any other associated platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
I never approved the debt or notified about any of it an personal information has been obtain i dont consent to this under the law 15 usc 1692c https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year> in XXXX Ga I was involved in an accident that totaled my car which I was not at fault for. The car was deemed a total loss that next week and therefore placed into the hands of gap insurance and Im not sure why Truist Bank marked it as a missed payment I have the insurance documents as well.

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 2024-11-30 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 filing this complaint to address multiple inaccuracies reported on my TransUnion, XXXX, and XXXX credit reports. These inaccuracies include fraudulent accounts, unauthorized hard inquiries, and outdated or incorrect personal information. Despite providing supporting documentation, including an FTC Identity Theft Report and proof of identity, TransUnion, XXXX, and XXXX have failed to resolve these issues in a timely and accurate manner. I am requesting the immediate removal of all fraudulent and incorrect information pursuant to my rights under the Fair Credit Reporting Act ( FCRA ).

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 2024-11-30 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: AL

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there IT IS INACCURATE AND UNVERIVALIBE. I demand the below accounts deleted from my consumer report immediately. 

XXXX XXXX  Account info Account number XXXX Open/closed Date opened XX/XX/year> I demand this account/s be deleted from my consumer report. 

Best regards,

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there IT IS INACCURATE AND UNVERIVALIBE. I demand the below accounts deleted from my consumer report immediately. 

XXXX XXXX Account info Account number XXXX Open/closed Date opened XX/XX/year> I demand this account/s be deleted from my consumer report. 

Best regards,

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 2024-11-30 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: NC

Complaint narrative:
XX/XX/year> my information was compromised in the. Equifax data breach and I noticed a few accounts were opened under my name social and personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kikoff Inc.
State: SC

Complaint narrative:
XXXX is not helping my credit score. Its taking it down telling me that I have a XXXX line credit. Charging me XXXX  XXXX and its causing me problems with the other credit people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
XXXX XXXX, I received a check for around {$2200.00} because there was a surplus in my escrow. I called the lender after receiving the check to confirm my escrow was calculated correctly and asked when the last time the amount was checked. I know in Michigan, summer taxes are collected in XXXX, and mine were paid ( or should have been paid ) right before the check to me was cut. When my lender confirmed the amounts were accurate, I set the check aside and went on with my day. The check included a letter saying that my new monthly payment will be around {$750.00} due to the surplus. My monthly mortgage is set to auto payments, so I don't make a habit of confirming payments are sent ; I know the funds are there. XXXX payment for {$750.00} was auto paid as usual, but I checked my account on Tuesday of this week and learned that my account was almost overdrawn due to my mortgage payment. The payment had increased with no notice to me from {$750.00} to {$1200.00} in a month. Of course I called the lender to find out why and was told " my taxes and insurance rates went down and then went back up ''. 
I work for this lender, I understand that within the XXXX year of a mortgage, taxes and insurance is not always calculated correctly, but I bought this house in 2017, there has been no insurance claims or tax adjustments. The person I spoke with could only tell me that my taxes went down, so I asked her to explain when the taxes would have dropped and to explain the insurance inaccuracies. 
My lender paid around {$45.00} for the year according to the information I was given over the phone, so I checked my account in our system, and that was right. It would seem as if my insurance wasn't paid correctly either, yet the vendor didn't force-place insurance. My escrow is included in my monthly payments to avoid me as the consumer making these types of mistakes. 
In the course of a month, I was told I had a surplus in my escrow and only to never be notified an error was made and that the check needed to be refunded. In the past XXXX months my mortgage has been : {$940.00} XX/XX/XXXX {$750.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX The lender still has not sent a notice that there was a $ 400 monthly increase. I found all of this out a day before XXXX, and to correct the mistake they made, I have to come up with the escrow shortage of {$2100.00}, pay a {$1200.00} mortgage. The consumer does not calculate the escrow fees, the lender does, they pay an entire group of people to run escrow analysis, yet somehow they made a mistake on mine and neglected to inform me about it and when I call I'm told there is nothing they can do about it. 
So now, I have to struggle to pay my lender thousands right before XXXX for a mistake I did not make or would have had no knowledge of.

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 2024-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ

Complaint narrative:
My mortgage recently got switched to another bank. On the original one I was always on automatic payments and had no issues. With this new bank I made my first payment with no issues. I understood I had set my account up for automatic payments. 
I didn't realise until I got an alert from my credit report that my credit had got dinged and was brought down quiet a bit from a missed mortgage payment. 
I logged into the bank right away and payed the missed payment and payed ahead to the next. Had I not known I was not on auto payments I would have put a reminder in my calender to make sure it was payed. I have never missed any payment nor do I plan to ever again. 
Please help me get this off my credit report. I have worked really hard to get it up to wear it was. If I need to pay ahead to prove I am responsible and dependable I will. Please take this in consideration.

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 2024-11-30 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: AL

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there IT IS INACCURATE AND UNVERIVALIBE. I demand the below accounts deleted from my consumer report immediately. 

XXXX XXXX Account info Account number XXXX Open/closed Date opened XX/XX/year> I demand this account/s be deleted from my consumer report. 

Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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:
XXXX XXXX IS REPORTING AN ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE NEVER SECURED BUSINESS WITH XXXX XXXX, I HAVE NO RIGHT TO REPORT ON MY CREDIT REPORT. I MADE MULTIPLE ATTEMPTS DIRECTLY WITH XXXX XXXX, TRANSUNION TO PROVIDE ME DOCUMENTATION BEARING MY SIGNATURE, AND TO-DATE, ALL MY ATTEMPTS HAVE BEEN IGNORED. THIS IS A VIOLATION OF THE FCRA AND MUST BE REMOVED FROM MY 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 2024-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX On your side through life 's financial moments. 
We're the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. 
Help with finances during the XXXX pandemic Get help Talk with an expert about your housing needs for free Find a housing XXXX Submit a complaint about a financial product or service Start a complaint In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
XX/XX/year> : I realized my {$200.00} XXXX auto payment ( minimum payment due {$63.00} ) was split out significantly and Home Depot applied portions to separate charges that were not due. 

The balance due on my revolving ( interest ) was {$120.00}. They only applied {$62.00} to this balance and charged interest the the remaining amount ( for the XXXX month ). They applied the remaining payment portion of {$130.00} to charges that were not due until XX/XX/XXXX and XX/XX/XXXX. 

When I called and spoke with manager at customer support, I was told they will not/ can not apply my payment to the revolving even if I request it. Their 'system ' spits payments to balances due up to 2 months 'before " the due date and there is nothing I can do about that. At this point, I don't know how I can eliminate my revolving balance 100 % quickly based on how they apply my payment, except to pay 2 months early on my other balance -- which I do not want to do. 

According to what I read under the Credit Card Act, " Credit card companies must apply payment amounts " in excess of the minimum payment amount '' to a consumer 's highest interest rate balances first. '' This would be my revolving credit portion of the account. Why are they not doing that? 

I mentioned this to the customer service manager and he said they are applying them according to their terms and could not change it. I've been a cardholder with Home Depot for years, and have never had this experience. I'm wondering if their 'terms ' have changed in the fine print.

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 2024-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: GA

Complaint narrative:
U.S. AUTO FINANCE, INC Sold me a XXXX XXXX XXXX the vehicle caught on fire. I contacted them to come get the car. They told my car and I never knew where the car was again Im assuming that theyre going to fix the car instead they put my vehicle in a repossession furthermore a few months later they went bankrupt and now I have Westlake portfolio trying to collect on a vehicle that I couldnt even finish paying for due to it catching on fire. They also sold the vehicle in an auction and still considered me with a balance of {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: FL

Complaint narrative:
I leased a flute for my daughter in XX/XX/XXXX. I returned it in XX/XX/XXXX at the end of the school year and then came back to rent it again in XX/XX/XXXX when school started again. I was not in possession of the flute during the months of XXXX XXXX XXXX. XXXX was still charging my account on Autopay. I had to replace the card because it was stolen and never set the autopay back up because I was not expecting any charges from them since I didn't have any equipment. Then when I picked up the flute again in XXXX, they reported me to the credit bureau as if I had the flute the entire time and I was XXXX days past due. When they reported it to the creit bureau, they reported it as a residential lease which looks like I have a XXXX  day late on a mortgage and is affecting my credit score immenslely making it impossible to get any type of financing approved. I also never gave them any type of permission to report or pull my credit what so ever. This is complete improper use of my credit report. As per FCRA, They have to report accurate and fairly. I m requsting this be removed from my credit or I will seek remedy in court.

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 2024-11-30 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: IN

Complaint narrative:
As Federal protected consumer I am being violated by XXXX, Transunion, XXXX to make sure proper steps are taking to insure credit accuracy. They failure of compliance has continued after nothing is being done regarding these collection accounts reporting, charge offs are considered a Certificate indebtedness and must not be report it to my credit report. 

XXXX Acct : XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Acct : # XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Acct : # XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Acct : # XXXX XXXX XXXX Acct : # XXXX 15 USC 6801 illegal to report transaction history also I did not give these companies written consent to furnisher my information which is also a violation the information privacy act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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:
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. 

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 : 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. 16815-2 ( 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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit Bureaus need to update my personal information to reflect ONE name and ONE Address. 

My Name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York , XXXX ALL other version is NOT me or mine and must be removed immediately.

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 2024-11-30 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: NY

Complaint narrative:
Credit Bureaus need to update my personal information to reflect ONE name and ONE Address. 

My Name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York , XXXX ALL other version is NOT me or mine and must be removed immediately.

Company response to consumer: Closed with non-monetary relief