vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
I was paying Lexington law to remove things off my credit account. They were saying they were removed from there site but when I looked at it from my credit report the items that were supposed to be removed said reopened on my credit report and Lexington was still charging my account for work that wasnt worth paying for. If the items keep reopening once Lexington said they were removed & also my public records is reported wrong on my credit account that wasnt worth paying something they also was supposed to remove/correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX i have an issue with XXXX, updating my paid accounts. 
In the past they report my credit card payment as paid. They also report that the account has been paid in full. My credit points drop to XXXX points. I still have that credit card open. 
This happens with any credit card, I pay this time it was the XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX has already petitioned me. I responded and have been trying to resolve the matter via regular mail, certified mail, email, and numerous phone calls. 
They responded with the amount and the payments but failed to correct the amount owed after the payments and are trying to still collect on the original loan. 
I talked to a person today after XXXX attempts in XXXX ( with detailed messages ) trying to come to a settlement. Today, I was transferred to a supervisor and went right to voice mail. 
The company has a horrid reputation on the web. The debt is not their original debt. the bank is XXXX in Utah, whom is being investigated by FDIC I found. 
The constant lack of manpower or tactics is pushing people to their limits unnecessarily and I have a bench trial in 7 days for this debt. 

I have been agressively proactive in trying to resolve the matter with payment plans and they are rarely available and when I finally was able to speak with someone today, she stated I am not correct, etc. when even their documents show my payments and the original amount. 
Please help. With upcoming student loan payments, this is already pushed my credit score below XXXX and is not sustainable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$8200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1900.00}

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 2024-12-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2024-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AL

Complaint narrative:
I bought and activated this card on XX/XX/year>. I had {$170.00} in cash that I received as gifts, and I could not deposit that cash to my bank account because it's an online bank. Prepaid gift cards had always been a way to remedy that until now. 

I'm simply trying to use this card to buy supplements. I tried this card on XXXX XXXX, and XXXX to no avail. I can't add it to any of the pay transfer apps ( XXXX XXXX, XXXX, etc ) to be able to transfer the money off, so it renders this card useless. After speaking with support, they told me that I'd have to use another retailer. This is insane. It limits my options and forces me to go to a brick and mortar store that MAY work.

In today 's day and age, most debit and credit cards are linked to a zip code to help cut down on fraud. It should be illegal and these companies should be penalized for not figuring out a way to link your zip code to a prepaid debit card. Most online retailers need a zip code to process a payment. I've spent money for something I can't even use. 

Also, it's false advertising on their website and on the packaging that the card comes in. The cardholder agreement states that " Card may be used in the US and XXXX XXXX XXXX everywhere XXXX XXXX is accepted. '' All of the merchants I listed above take XXXX. They've sold me a product I can't use, and it's ingenuine to give consumers the perception that this can be used knowing they've put restrictions in place where it can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I opened a checking account with Truist because of a promotion they were offering, promo code XXXX. The promotion offered {$400.00} for opening a checking account before XX/XX/year> and, within 90 days, direct depositing {$500.00} dollars and completing XXXX debit card transactions. I completed these items on XX/XX/year>. On XX/XX/year>, Truist charged a maintenance fee that caused my account to become negative. I then received an email from Truist that the account was checked for qualification the week of XX/XX/year> and that I had a negative balance so I was disqualified. Truist 's service charge ultimately disqualified me from their promotional offer. On a call with Truist on XX/XX/year>, Truist refunded the service charge but, now that my account was positive, would not qualify me for the promotion and refused to honor the promotional {$400.00}. 

Truist never notified me that a service charge had been posted or that my account was negative as a result. Truist also did not inform me when exactly their promo qualification verification would happen so that I could fix the issue before then. And then once the negative balance issue was fixed, I am still within the 90 days required to meet the promotional requirements but Truist will not overturn their decision. I met the promotional offer requirements but Truist 's own service charges ( which they then overturned and had removed ) disqualified me from the promotional offer they promised.

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 2024-12-30 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 am writing to formally notify you that I am a victim of a data breach, and as a result, I request that the following accounts and inquiries be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently opened or made due to the breach, and I request that they be permanently removed. 
Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$8.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX # XXXX XX/XX/XXXX -- {$50000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$34000.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$15000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/year> I made a remaining statement balance payment of {$200.00} which is what there system presented to me, I did not choose this amount. As part of this payment process, there system asked me if I wanted to cancelled the automatic minimum payment since I was making the remaining statement balance in which I did. Turns out the {$28.00} minimum payment was also needed to satisfy the full prior statement balance amount. This seems very odd that the remaining statement balance option they presented to me did not include this amount. This caused my balance not to be paid in full to prevent finance charges and therefore I was charged finances charges that I was unaware I would be charged. When my next monthly payment came up, I did the same thing and again was charged finances charges. This practice seems very suspect and potentially an issue in how there billing system works at least from the mobile app, which is where I did my payments. 

I called to try and discuss this with a representative and they just gave me the standard response that I had to pay the prior statement balance amount each month to avoid charges. This of course is what I was trying to do each month but their system was not fully transparent, at least in my opinion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-30 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Experian credit report, which do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a student loan opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-12-30 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: MI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$8200.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: DE

Complaint narrative:
I have informed Freedom Mortgage back in XXXX that our taxes were double paid. XXXX XXXX  is also aware of this and is attempting to assist me. 

Freedom mortgage advised to contact them every month to see if there is a resolution. 

Each time they were contacted they had no idea of the issue that I previously reported. 

I am owed over XXXX from my refinance and at this point I am looking into a lawsuit if no resolution or funds not received in the next month or 2. 

This is the second complaint I am entering without a resolution

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 2024-12-30 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: Experian Information Solutions Inc.
State: SC

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request that the inquiries listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. These inquiries were made due to unauthorized access and should not be reflected on my credit report.

The following inquiries should be blocked and deleted from my credit file : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request that the inquiries listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. These inquiries were made due to unauthorized access and should not be reflected on my credit report.

The following inquiries should be blocked and deleted from my credit file : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2024-12-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
XX/XX/XXXX I contacted the Creditors and let them know that I do not have any accounts associated with their Financial Institutions and I did not authorize or give permission for credit check with the inquiries soft or Hard. ( XXXX XXXX XXXX is the only Authorized ) All others are reporting Falsely. 
On XX/XX/year> I contacted Experian spoke with Representative name XXXX for 20 minutes and 39 seconds as he kept telling me that he can not remove the Hard inquiries felt like my XXXX XXXX was elevated. XXXX experian rep gave me the phone numbers again for each creditor which I've already told him that I contacted, then called XXXX and XXXX and advised them according to the FCRA- Fair Credit Reporting Act unauthorized & unverified Items must be removed. 

I am requesting the Removal of all Hard Inquiries from all 3 credit bureaus for False reporting inaccurate unauthorized information to my name. 
*EXPERIAN- 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

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 2024-12-30 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: TX

Complaint narrative:
I recently reviewed a copy on my credit report, and noticed i have a fraudulents accounts, please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief