vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 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: EQUIFAX, INC.
State: NY

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. 

I told XXXX, XXXX, and Equifax to re-investigate these accounts : Account name : XXXX XXXX  XXXX Account name : XXXX, XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX  XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Found an entry on my credit report that is incorrect. It shows a balance overdue of {$330.00} dollars. According to the credit report, the charge was made in XXXX of XXXX. I have never received a statement from them. I did receive an email several months ago and called them on XX/XX/XXXX and was told I had a XXXX balance so I thought the situation was resolved. The card that it was charged to was never activated and the card is in my possession. I have tried repeatedly to contact Comenity Bank and the phone message says they are connecting me to customer service, the phone rings once and then hangs up. The address on the adverse information report is : XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX If I could get them to talk to me, I'm sure we could clear this up. I appreciate any help you can provide to clear this up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-12-29 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have disputed incorrect info twice to experian. Their results each time do not remove the incorrect info. On XX/XX/17 i faxed & uploaded info with my ID & my daughters info & ID as these accts belong to her, NOT me. XXXX XXXX XXXX XXXX do not show the incorrect info, only XXXX. This is causing me to lose points on my credit score causing other accts of mine to lower my available credit etc. I dont know what more I can do to correct the situation that they refuse to correct. My daughter said these accts also show on her credit report as an individual acct

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX, XXXX and Transunion for violating the Fair Credit Reporting Act ( FCRA ) and TILA 15 U.S. Code 1666 ( b ) regarding a billing error on my credit report.

Please see the dispute letters I attached on this complaint. It consist the account details.

The presence of this inaccurate billing error on my credit report is causing me significant harm, including : 1. Difficulty obtaining credit at favorable rates.

2. Higher interest rates on existing loans.

3. Denial of credit applications for housing, car loans, or other financial products.

4. Damage to my credit reputation.

I urge the CFPB to investigate this matter thoroughly and take appropriate action against the Bureau involved for violating TILA 15 U.S. Code 1666 ( b ) and the FCRA. I request that the CFPB : 1. Order the credit bureau ( s ) to remove the inaccurate billing error from my credit report.

2. Require the credit bureau ( s ) to provide me with a copy of my updated credit report reflecting the changes.

3. Ensure that the credit bureau ( s ) take all necessary steps to prevent similar errors from occurring in the future.

4. Consider taking further action against the bureau ( s ) for their violations, including potential fines or penalties. 

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX, Experian and XXXX for violating the Fair Credit Reporting Act ( FCRA ) and TILA 15 U.S. Code 1666 ( b ) regarding a billing error on my credit report.

Please see the dispute letters I attached on this complaint. It consist the account details.

The presence of this inaccurate billing error on my credit report is causing me significant harm, including : 1. Difficulty obtaining credit at favorable rates.

2. Higher interest rates on existing loans.

3. Denial of credit applications for housing, car loans, or other financial products.

4. Damage to my credit reputation.

I urge the CFPB to investigate this matter thoroughly and take appropriate action against the Bureau involved for violating TILA 15 U.S. Code 1666 ( b ) and the FCRA. I request that the CFPB : 1. Order the credit bureau ( s ) to remove the inaccurate billing error from my credit report.

2. Require the credit bureau ( s ) to provide me with a copy of my updated credit report reflecting the changes.

3. Ensure that the credit bureau ( s ) take all necessary steps to prevent similar errors from occurring in the future.

4. Consider taking further action against the bureau ( s ) for their violations, including potential fines or penalties.

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference.

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.

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 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a Credit Card with Capital One for several months now. 
I than just opened a checking and savings account with them several weeks ago. 
I have funds that were transferred from a company in XXXX. 
Capital One has froze my account and will not release the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my dispute letters Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I got an Aspire card, issued by the XXXX XXXX XXXX  in XXXX of XXXX. I have paid for credit protection for over XXXX  years, roughly XXXX  XXXX! XXXX. I lost my job in XXXX and filed a claim on XX/XX/XXXX. I submitted the requested documents through the mail. They never told me they didn't get them, so when I got another past due bill at the at the end of XXXX, I called them and was told they never recieved them. It would have been nice for them to tell me, but ok, I resent the paperwork electronically on XX/XX/XXXX. After hearing nothing again, I contacted them again. They told me the paperwork was not acceptable, because it was hand written. Again, this is after I chased them down. So I submitted additional documents that were official, from the XXXX  XXXX. In the meantime, they cancelled the credit protection plan because the bill was past due. I call Aspire, they say call XXXX XXXX. I call XXXX XXXX, they tell me call Aspire. I have paid approximately {$460.00} for nothing but stress and aggravation, and multiple calls, emails, and texts with demands for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
For months now I have not been able to use my gift card for {$50.00}. I have called American Express, and they say try it somewhere else. I called again today ( XX/XX/2024 ) and again they will not send a replacement r fix the issue. Still not working anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
None of my credit reports match. My student loans were paid in full and yet Transunion shows them as being deleted from Their files. XXXX and XXXX also do t show the loans as paid In full {$100000.00} was forgive as I am a state employee and the reflector just shows my accounts as deleted.XXXX and XXXX are showing last updates are over XXXX years ago. My rent is actually only showing on credit agency. Also experian boost removed my credit progress that was not showing correct at all. My utility are paid monthly but the system doesnt pick up the payments it shows that I have to alrj3 months of payments these are the same bil for over XXXX  years

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
None of my credit reports match. My XXXX  loans were paid in full and yet XXXX shows them as being deleted from Their files. Experian and XXXX also do t show the loans as paid In full {$100000.00} was forgive as I am a state employee and the reflector just shows my accounts as deleted.XXXX and XXXX are showing last updates are over XXXX  years ago. My rent is actually only showing on credit agency. Also experian boost removed my credit progress that was not showing correct at all. My utility are paid monthly but the system doesnt pick up the payments it shows that I have to XXXX months of payments these are the same bil for over XXXX  years

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 2023-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a Citi high yield savings account online in XX/XX/XXXX. 
I made several online deposits since then. 
On or around XX/XX/XXXX I made an online deposit from my other bank in California for {$21000.00}. 
On XX/XX/XXXX I attempted to login from my computer and XXXX  without success. I called customer service and they said my account was locked from their fraud department and should be resolved in XXXX hrs. I tried to get details but they didn't have any answers and told me to call back on Thursday XX/XX/XXXX. 
On XX/XX/XXXX at XXXX XXXX I got an email from Citi saying my account will be closed within 60 days. I spent the next XXXX hours on the phone asking for supervisors and getting no where. I wanted to understand what was happening and why my account was closed with XXXX conversation from Citi. The various people I spoke to said they didn't have any information and XXXX rep asked if I made any transactions from CA. I explained that my other bank is based in CA and I made an electronic transfer request into my Citi savings account. The rep said I could get my money back in XXXX days, which is not acceptable. 
A Bank can not deny customers access to their money, which is what Citi is doing without any explanation. 
I have a considerable amount of money in Citi. I can not access online to verify and should not have to way while City holds my money 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 2023-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
This is a complaint filed by PHH Mortgage about the escrow and cancellation. They don't have a standard procedure and keep asking us to contact them again and again. 

The first issue was the mortgage company holding overpaid money without refunding us, even now. 

Back on XX/XX/2023, we received the property tax bill from the town office. At the time, as new homeowners, we weren't sure if we needed to pay the tax by ourselves or if PHH would pay because of the escrow, so we paid the tax to the town and later realized PHH paid as well. We contacted PHH on XX/XX/XXXX about the issue and asked them to return our money, and on XX/XX/XXXX, we contacted them again by email, but nobody responded. On XX/XX/XXXX, we called them, and they needed 5 days of investigation. They still haven't refunded us the amount of XXXX USD. 

The second issue was about canceling the escrow. 
On XX/XX/2023, we requested to cancel the escrow. 
On XX/XX/2023, they confirmed the request was received, will be completed in XXXX business days, and will send the results to us. 
On XX/XX/XXXX, we did not hear anything so called again. The agent mentioned that on XX/XX/XXXX, the mail was sent out, but the request was denied. The agent asked us to contact the escrow department directly, and the agent we contacted was unable to tell us the reason. 
On XX/XX/XXXX, the same day, we sent an email to the escrow team and also called, no response either. 
On XX/XX/XXXX, we called again and were told to contact again in XXXX to request again. They don't know when they will submit the tax in XXXX, so they didn't accept the cancellation and asked us to call again in XXXX. 
We feel they keep postponing/ not facing our request directly so they could use our money, and we request immediate escrow cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Multiple calls a day from at least XX/XX/23 until XX/XX/23 when they said they would stop calling but declined to give details of the 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 2023-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: UT

Complaint narrative:
The escrow amount for property taxes is grossly overstated and not supported by any documents from the county assessors tax office. The 2023 annual property tax bill was provided and the valuation is also included. I have called over 10 times explaining that the property tax amount per escrow does not agree to the actual property tax bill or the records sent by the XXXX county tax assessors office. The company continues to deny the unsupported escrow amount despite the property tax bill, refund of escrow funds due to an overage in the account, and a call from the XXXX County tax assessors office re notice of incorrect property tax amount. This is fraudulent escrow practices on behalf of the loan servicer.

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 2023-12-29 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:
I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately. DEPT OF ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION, 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 non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately. DEPT OF ED XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX EXPERIAN, 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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX, Equifaxes 's credit freeze product, does not allow users to use " two factor authentication, '' sometimes called " multifactor authentication '' ( 2FA or MFA, respectively ). 

Equifax sells an MFA product, so it is not unaware of the security benefit of this : XXXX XXXX XXXX XXXX and XXXX both allow 2FA/MFA either with email or text for their credit freeeze products. XXXX allows neither. 

Equifax does not respect consumer privacy or security as this basic security feature has existed in the industry for well over a decade and XXXX has failed to implement it. Without this option, consumers, including myself, are more liable to hacking and fraud.

Company response to consumer: Closed with explanation