vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I contacted the company in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to dispute following charges : XX/XX/XXXX : XXXX Payment {$200.00} XX/XX/XXXX : XXXX XXXX, XXXX, XXXX {$210.00} Ally keeps promising to send documentation that supports their decision that these charges are not fraudulent. Documentation/letter received is just a form letter stating that they have found the charges to be valid.

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 2024-01-27 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:
To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights. 

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 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 Delete 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 non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: OH

Complaint narrative:
An account was attempted or opened with my social security number it appeared on my credit report. They did not give any details accept it was applied for with my social security number!

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 2024-01-27 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: GA

Complaint narrative:
i am writing to demand consumer reporting agencies recuse themselves from further violations dealing with XXXX XXXX XXXX XXXX. They have violated several laws many state and federal felonies. any continued reporting will be considered adverse action on behalf of consumer reporting agencies. These adverse actions will be including but not limited to extortion, racketeering, identity theft, mail fraud, wire fraud, invasion of privacy, deceptive practice, misleading representations and many more. if ay attempt to validate the debt is done it must be done under 15 usc 1681i5 and i would like all information on who is spoken to time and date how they have information on the account it if is first hand knowledge. i would also like to remind consumer reporting agencies that transactions and experiences are to be excluded from consumer reports per 15 usc 1681a2Ai. i have rejeted consent of any reporting of these transactions and experiences and expect the law to be followed. any consumer reporting agency that is not interested in co defending against the several violation of 15 usc 1681a 15 usc 1681b 15 usc 1681i 15 usc 1681j 15 usc 1681 s2b 15 usc 1681n 15 usc 6801 15 usc 6802 15 usc 6821 15 usc 6823 18 usc 1341 18 usc 1343 18 usc 1344 18 usc 1028 shall delete an account of XXXX XXXX promptly and rapid rescore. i would also like to add the XXXX XXXX is an unregistered business and reporting information from them is an federal offense and a violation of 15 usc 1681b. Attached is a copy of the unregistered business admitting to violating federal and state law and my privacy rights. any further reporting will be considered willful non compliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: GA

Complaint narrative:
i am writing to demand consumer reporting agencies recuse themselves from further violations dealing with XXXX XXXX XXXX XXXX. They have violated several laws many state and federal felonies. any continued reporting will be considered adverse action on behalf of consumer reporting agencies. These adverse actions will be including but not limited to extortion, racketeering, identity theft, mail fraud, wire fraud, invasion of privacy, deceptive practice, misleading representations and many more. if ay attempt to validate the debt is done it must be done under 15 usc 1681i5 and i would like all information on who is spoken to time and date how they have information on the account it if is first hand knowledge. i would also like to remind consumer reporting agencies that transactions and experiences are to be excluded from consumer reports per 15 usc 1681a2Ai. i have rejeted consent of any reporting of these transactions and experiences and expect the law to be followed. any consumer reporting agency that is not interested in co defending against the several violation of 15 usc 1681a 15 usc 1681b 15 usc 1681i 15 usc 1681j 15 usc 1681 s2b 15 usc 1681n 15 usc 6801 15 usc 6802 15 usc 6821 15 usc 6823 18 usc 1341 18 usc 1343 18 usc 1344 18 usc 1028 shall delete an account of XXXX XXXX promptly and rapid rescore. i would also like to add the XXXX XXXX is an unregistered business and reporting information from them is an federal offense and a violation of 15 usc 1681b. Attached is a copy of the unregistered business admitting to violating federal and state law and my privacy rights. any further reporting will be considered willful non compliance

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 2024-01-27 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: GA

Complaint narrative:
To whom it may concern, an update to my Consumer Report was made as of XXXX XXXX XXXX This update is still showing multiple inaccuracies including the remark Consumer disputes this account 180 Days past due. The official date that I discovered this violation is XXXX XXXX XXXX   when I made my first complaint to the CFPB about this account Complaint ID XXXX XXXX. In pursuant to 12 U.S.C. 5564 ( g ). [ 6 ] ( Except as otherwise permitted by law or equity, no action may be brought under [ the Consumer Financial Protection Act ] more than 3 years after the date of discovery of the violation to which an action relates. Also, in pursuant to 15 U.S.C 1679i ( Statue of limitations ) - Any action to enforce any liability under this subchapter may be brought before the later of ( 1 ) the end of the 5-year period beginning on the date of the occurrence of the violation involved; or ( 2 ) in any case in which any credit repair organization has materially and willfully misrepresented any information which ( A ) the credit repair organization is required, by any provision of this subchapter, to disclose to any consumer ; and ( B ) is material to the establishment of the credit repair organizations liability to the consumer under this subchapter, the end of the 5-year period beginning on the date of the discovery by the consumer of the misrepresentation.

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 2024-01-27 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: GA

Complaint narrative:
To whom it may concern, an update to my Consumer Report was made as of XX/XX/XXXX. This update is still showing multiple inaccuracies including the remark Consumer disputes this account 180 Days past due. The official date that I discovered this violation is XXXX XXXX XXXX when I made my first complaint to the CFPB about this account Complaint ID : XXXX. In pursuant to 12 U.S.C. 5564 ( g ). [ 6 ] ( Except as otherwise permitted by law or equity, no action may be brought under [ the Consumer Financial Protection Act ] more than 3 years after the date of discovery of the violation to which an action relates. Also, in pursuant to 15 U.S.C 1679i ( Statue of limitations ) - Any action to enforce any liability under this subchapter may be brought before the later of ( 1 ) the end of the 5-year period beginning on the date of the occurrence of the violation involved; or ( 2 ) in any case in which any credit repair organization has materially and willfully misrepresented any information which ( A ) the credit repair organization is required, by any provision of this subchapter, to disclose to any consumer ; and ( B ) is material to the establishment of the credit repair organizations liability to the consumer under this subchapter, the end of the 5-year period beginning on the date of the discovery by the consumer of the misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
-An unapproved transaction was made on XX/XX/XXXX to merchant called " XXXX XXXX XXXX '' in XXXX XXXX FL for {$80.00} on my Bank of America credit card -PDF of transaction receipt on Bank of America website shows no item description, no seller information, and an invalid merchant website -I have been in XXXX, XXXX XXXX since XX/XX/XXXX ; previous approved transactions on this same BOA card include payments at gas stations in XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX, XXXX - showing that I was traveling north to XXXX -I am STILL in XXXX presently ( XX/XX/XXXX ) ; I have statements from my other credit cards that show transactions consistently made in XXXX from XX/XX/XXXX - XX/XX/XXXX -I have had my credit card in my possession the entire time, and the card was installed on apple wallet on my personal mobile phone -I have not used this BOA credit card at any merchant since XX/XX/XXXX -Merchant 's address on Bank of America differs from address found on XXXX XXXX - the merchant, or " XXXX XXXX '' is currently at my previous address, to where all of my Bank of America mailing communications was sent before I changed the address in my BOA profile -XXXX XXXX moved into the shop I had left to travel to XXXX ( as confirmed by XXXXXXXX XXXX XXXX XXXX XXXXXXXX and friends that still reside XXXX XXXXXXXX XXXX ) -I noticed the fraudulent transaction on XX/XX/XXXX ( due to not using the card since arriving in XXXX ) and filed a fraud claim with a Bank of America associate -I received a resolution letter from Bank of America dated XX/XX/XXXX DENYING the fraudulent claim and forcing me to pay the amount

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 monetary relief
Consumer complaint received 2024-01-27 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: IL

Complaint narrative:
XX/XX/ I wrote to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows 43 credit inquiry/inquiries that I did not authorize. Most inquires has been continuously duplicated causing stress to my credit. 

No response has been provided after 30 days.

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 2024-01-27 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: Early Warning Services, LLC
State: MD

Complaint narrative:
To recap the events from XX/XX/2023 to now, in XXXX a fraudulent check in the amount of XXXX was deposited into my checking account by perpetrators. The funds were then tried to be withdrawn by the perpetrators, which resulted in my account being frozen. I contacted customer service as I tried to log into my account via mobile app and saw my account no longer existed. I then was told a fraudulent check was deposited into my account. I couldnt believe or understand HOW this could have happened. My phone was indeed stolen before with my bank information present as well as my card which at the time I thought was misplaced. I was told my case was under investigation and would be resolved within 30 days repeatedly. I was told the fraud claim was closed and that I would receive MY funds in my account back. I called repeatedly & again on XXXX XXXX  and was told there was no update, that my funds were still frozen but the representative said a work order would be sent to the internal office to request my funds to be returned. 
On XXXX XXXX, I called and spoke with another representative, which then put in another request for my funds to be returned and she asked me to call back for an update. I called again on XX/XX/XXXX and was advised to call the check systems because of the early warning services report filed by XXXX. I was asked to dispute both the XXXX XXXX and XXXX  ( which was already done ) and to file a police report. I filed a police report then. 
I then was told to contact the fraud department in XXXX XXXX. I spoke with 2-3 people to resolve my issue. They ghosted me and continued to not help me when I complained repeatedly about my name being on XXXX and first warning systems which prevents me from opening ANY bank account OR credit card. One of them finally got back to me and removed my name from XXXX  but not first warning. So currently, im still unable to get ahold of any XXXX representative I have talked to for help, nor am I able to open any account. I am not responsible for the fraudulent actions and desperately need help to have my name removed. Please help me. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: IL

Complaint narrative:
I opened up a line of credit with XXXX XXXX and the debt has been canceled. Experian is the only agency still reporting this debt to my credit report. 

1. According to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Experian is the only agency reporting this account.

2. I received a copy B of a 1099C showing that the debt has been canceled.

This is inaccurate reporting and should be removed.

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 2024-01-27 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: SC

Complaint narrative:
I had a delinquent account with XXXX XXXX on my XXXX and Equifax credit reports ; it was turned over to a collections account with XXXX. 

I settled the account in full with XXXX to satisfy the delinquency. They have not removed and/or updated the account as promised. 

I have included the letter from XXXX showing they received the payment on XX/XX/year> and Also I have the satisfaction of judgement letter that XXXX XXXX XXXX XXXX filed with my local magistrate back in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: SC

Complaint narrative:
I had a delinquent account with XXXX XXXX on my Experian and XXXX credit reports ; it was turned over to a collections account with XXXX. 

I settled the account in full with XXXX to satisfy the delinquency. They have not removed and/or updated the account as promised. 

I have included the letter from XXXX showing they received the payment on XX/XX/2023 and Also I have the satisfaction of judgement letter that XXXX XXXX XXXX XXXX filed with my local magistrate back in 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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
It shows on the credit report that I bought a property at XXXX XXXX XXXX XXXX, and lien with XXXX # XXXX satisfied. Min Net Proceeds {$150000.00}. This is fake.

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 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Credit company Synchrony decreased my credit limit purely based on my credit score factor, not from the standing point of my credit with the bank or the usage. This not only hurt my credit score directly, but also forced other banks to limit my available credit because Synchrony decided to lower my credit limit from XXXX USD to XXXX USD. This also makes this account impossible to use.

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 2024-01-27 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: Self Financial Inc.
State: PA

Complaint narrative:
Open accounts that I didnt open

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I use an app called XXXX XXXX to monitor my credit score. I was notified by the app that Transunion is stating that I am XXXX. I am XXXX XXXX XXXX. I contacted Transunion by phone and the agent stated that my date of birth has been removed from my credit report. I did NOT request for my date of birth to be removed. I also have a copy of my credit report that I received from Transunion by mail on XX/XX/. The report was completed on XX/XX/2024 and it clearly has my date of birth on the report. The representative stated that since I had an open dispute that he could not re-add my date of birth back to my report until the dispute is completed and that I would need to call back once it had been completed and the issue would be corrected. Today, XX/XX/2024 I received confirmation that the dispute has been completed. I called Transunion and the representative is now telling me that I will need to send a photocopy of my driver 's license, birth certificate or social security card by mail to have my date of birth added back to my credit report. This can take up to 4-6 weeks. I am currently in the process of moving and this issue is preventing me from getting verified for my a new place to live. Transunion removed my date of birth without being asked to do so. This is tampering with personal information. I'm currently seeking legal counsel on this issue. I will also be submitting an official complaint to the FTC for 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 2024-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I was out of the US from XXXX XXXX 2023. On XXXX XXXX 2023, during my absence, my loan was sold to Roundpoint Mortgage Servicing XXXX. At about the same time my home insurance was cancelled without my knowledge. During this time, I received no communication from Roundpoint. Upon my return in XXXX and discovery of the cancellation, I immediately notified Roundpoint and worked with them and my insurance agency to immediately reinstate the insurance. 

Roundpoint has since purchased lender-placed hazard insurance retroactively for the past period when the insurance was cancelled. This insurance is significantly higher than going rates in the market. I would happily purchase my own insurance at a more reasonable rate if it were possible to purchase insurance for a period in the past. 

I believe this action by Roundpoint violates federal laws related to forced-insurance. I was never notified in a timely manner that I would be subjected to forced-insurance and when I did receive the notice, it was several months after making it impossible for me to take corrective action.

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