vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 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:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-07-18 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: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I have received a collection from southwest credit systems involving a XXXX account but I have never had a t-mobile account or any phone from XXXX XXXX my information was involved in a data breach in XXXX XXXX XXXXXXXX ) and I have had multiple unknown inquiries and attempts to open accounts without my authorization. This is not my account please delete from my credit profile immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: KY

Complaint narrative:
I am writing to follow up on my previous communication regarding fraudulent accounts that have appeared on my credit report. Despite my initial dispute and the enclosed supporting documentation, these fraudulent accounts remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

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 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OR

Complaint narrative:
I opened a joint checking account with my mother in law with KeyBank on XX/XX/year>, at a branch in person. A week later, she was asked to provide proof of identity, which we did by submitting a state ID and Social Security card at the same branch where we opened the account. 

Subsequently, I received an email from the branch stating that the restriction on my account had been removed and that I should be able to use it. However, when I attempted to access my account, I found that the restriction was still in place. 

I contacted KeyBank customer service for assistance, but I was put on hold and did not receive any help. I then visited another branch in my town to withdraw cash, but I was informed that I could neither access my funds nor close the account due to the restriction. 

It has now been 18 days since this issue began, and I am still unable to access my money or close the account. 

I request that this matter be addressed urgently and that I receive assistance in accessing my account or closing it. Please provide a prompt resolution to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: TX

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 non-monetary relief
Consumer complaint received 2024-07-18 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am experiencing issues with the release of insurance funds related to a water damage claim at my property. Despite providing all necessary documentation and justification, my mortgage servicer has refused to release the full insurance payment needed to complete the repairs. 

Claim and Partial Payment : Date of initial claim : XX/XX/year> Initial insurance payment : {$76000.00} Partial payment received : {$40000.00} Request for Remaining Funds : Date of first request : XX/XX/year> Date of second request : XX/XX/year> Revised Insurance Estimate : {$120000.00} ( evaluated by another contractor sent by the insurance company ) Reasons for Immediate Release : The revised estimate reflects the extensive repairs needed and immediate financial requirements. 
Upfront payment required by the contractor exceeds the partial amount released. 
Costs for kitchen appliances, custom cabinetry, and other materials must be paid in advance to avoid delays. 
Financial strain caused by insufficient funds to commence and continue necessary repairs. 

Companys Response : Both requests for the full release of funds were rejected by the Loss Draft Department. 
Communication dates : XX/XX/year> ; XX/XX/year> The refusal to release the remaining funds is causing significant financial strain and delaying essential repairs, potentially leading to further damage and increased costs.

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 2024-07-18 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dispute inaccurate 3rd round portfolio recovery association ( original creditor : XXXX XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX - I was in the middle of canceling my XXXX  because they never XXXX XXXX XXXX XXXX and the next thing that happen was they closed their company due to bankruptcy. I was financing my teeth through health care finance direct and they are telling me I still need to make payment regardless if they fit or not until they hear otherwise. I sent them an email stating I want to put in a claim for consumer credit act section 75 as it is a breach of contract. my total amount was {$2700.00} and I put a deposit of {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I recently opened a new Chase XXXX account. Once it was open, using its mobile app, I made a mobile deposit of a {$7000.00} check. The mobile app said the funds would be available in XXXX business days. I made this deposit on XX/XX/year>. Shortly after I made the deposit, the funds were put on hold by Chase until XX/XX/year>. I called Chase to find out why the funds were being held when the app clearly stated the funds would be available in XXXX business days. They gave me no justification other than that it was a new account and that the contract allowed them to hold funds for any reason. I explained that I relied on the statement in the app that the funds would be available in XXXX business days. Had the app not said that, I would have not made the deposit as I needed the funds before then. They had no explanation other than that they couldn't lift the hold and couldn't reverse the transaction. They told me to have the issuing bank cancel the check. I explained that not only could I not guarantee that, but that it would also come with a fee. It took me over an hour on the phone and XXXX phone calls ( Chase hung up on me the first time ) to even get this little amount of information. It is my understanding that financial institutions must make funds available in XXXX business days unless there is good cause to hold them. There was no good cause in this case. It seems like a windfall to me because they likely have access to those funds to lend out without risk of me making a withdraw for the period they are holding them for. While this might only generate a small amount of revenue per transaction, over the course of millions of transactions, that is a significant amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Momnt Technologies, Inc.
State: AZ

Complaint narrative:
On XXXX of XXXX, I agreed to an XXXX month, no interest loan for $ XXXX with XXXX XXXX for my bathroom remodel, aka XXXX XXXX XXXX XXXX with the rep who came to my house. I could have paid the amount in full at that time but because I have an outstanding credit score, about XXXX, I wanted to make the payments to keep or even increase my score. So I divided the XXXX by XXXX and came up with a monthly of {$550.00} with {$550.00} for the XXXX month. I then set it up on auto pay with XXXX My then fiance was present in all of these discussion. So about XXXX XXXX months ago, I noticed my balance was more. So I called XXXX and asked whats going on. I was then advised that my financing was being financed by XXXX XXXX  whose information like address or tel no was not known by the rep. She then told me that I was on a XXXX yr loan with a 5.99 % interest rate. I dont have the reps no anymore so I contacted the other office person I spoke with about my loan. She told me she no longer works for the company and all my files were with XXXX XXXX Called the latter and I believe I spoke with a XXXX who confirmed that I had the loan with the interest. I paid this loan on time. I am disputing the finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. 

.

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 2024-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: GA

Complaint narrative:
I have {$920.00} with blockchainXXXX in cash and have had this account for nearly XXXX years. I tried to transfer it to my XXXX XXXX account via XXXX and the system wont let me. Ive called their support line and sent multiple emails to them and there is no response. This has been going on for XXXX  months Ive tried to get my money out of this digital wallet and they wont allow me. This feels a lot like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armstrong and Associates, Inc
State: AL

Complaint narrative:
No statements no calls no nothing. This is on my credit from years ago and not once did even I received bill or notification or call about the debt. I had insurance on the times I was seen and no indication that I was going a bill. Can not get hold of the debt collector or the original party. I would like this off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Employer - XXXXXXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

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 2024-07-18 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: OH

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: IL

Complaint narrative:
To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I called Experian to add a credit freeze because I am located outside of the US and wanted to safeguard my information. As a result, I can't do it online, but it allows me to call. So I called, added the freeze, and AFTER the freeze is added it states I will receive a PIN. I NEVER received a pin through email and there is NO WAY to speak to a human being. I called several different numbers, and it is impossible. It is unfair consumer practices to not give customers the ability to trouble shoot issues and speak to a human being. I want a phone number were I can speak with an individual regarding if I will ever need a pin if I need to unfreeze my credit report and how to get it!

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