vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: TX

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-04 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a house fire in XX/XX/XXXX. My insurance XXXX by XXXX gave an initial release of funds intended to be a downpayment for XXXX of XXXX XXXX who was doing the repairs, this was around XXXX of the total claim of approximately $ XXXX. An initial release of funds of $ XXXX was sent to Truist claims, who holds the mortgage, as required by them. Truist then proceeded to withold funds, only relinquishing $ XXXX, for the downpayment, which was contracted with servpro to be $ XXXX. XXXX agreed to continue work understanding that remaining payment would be received upon work completed. They are now near completion of the project and are asking for the remainder of the initial payment. Truist is REFUSING to release the remainder or even required portion of these funds. They claim that it is pending inspections, however an inspection has been " requested '' for over a month, requested XX/XX/XXXX, with no contact from the inspectors to actually schedule and inspection to release funds. It is at the point that the contractors are about to stop work unless they are paid, but insurance only is covering my temporary housing until their previous estimate. If Truist does not release funds I will be without housing or completed move-in ready repaired house all because Truist would rather withhold the funds to lend out and charge interest on, rather than allocate them to pay workers who are tasked and contracted with repairing my house. 

I have never been late on a mortgage payment, and I have signed documentation stating I am fully planning on repairing the house with claim.

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 2024-12-04 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: Early Warning Services, LLC
State: OH

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX OH XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : 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 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 I dont recognize the following accounts or Inquirers in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my XXXX XXXX Consumer report immediately! Ive attached a copy of the report to this request. 





Thank you for your assistance. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2024-12-04 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX  XXXX, NY XXXX New Collection XXXX  XXXX *** Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$530.00} Late/Open XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$1700.00} Late/Open

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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/year> - {$89.00} - Called to complain about interest charge on XXXX statement as account is on autopay. I was told their system made the payment a day late and charge would be and was reversed. However, I was concerned that this may have happened to others who did not see the interest charge and paid it. The charge is not conspicuously displayed on the statement. The reversal was not automatic. A call was necessary. 
XX/XX/year> - {$92.00} - Called again to complain about interest charge on XXXX statement as account is on autopay. The autopayment was on time. After XXXX minutes on hold I was given no explanation for charge but the charge would be reversed. However, I am concerned that this may have happened to others who did not see the interest charge and paid it. The charge is not conspicuously displayed on the statement. The reversal was not automatic. A call was necessary. This is the second month in a row this has happened and it seems the credit card company ( Synchrony Bank ) stands to make much ill-gotten gain from these recurring erroneous interest charges.

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 2024-12-04 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: AL

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. List all 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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Sunbit, Inc.
State: CA

Complaint narrative:
I woke up and got a text about possible fraud on my Sunbit credit card, when I checked the account I noticed fraud has been going on since XX/XX/XXXX for over XXXX XXXX dollars. When I called the company their system was down and could not help at the time. So I called back this morning and was helped by XXXX ladies, XXXX which wasn't any help in the fraud department, and the other whom was very helpful and provided me this website. 

Transactions that are fraud : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Business & Professional Collection Service Inc
State: AL

Complaint narrative:
I received a phone call from the telephone number XXXX. I did not initially answer the phone call but I did let to the voicemail. The voicemail stated that Good Morning my name is XXXX XXXX. This urgent message is for XXXX, our office has tried to reach you for a formal complaint that is about to be filed against you. We has case file XXXX. In order to receive assistance and address this matter it is important to you contact us at XXXX. This company also contacted my sister and provided the case details. 

I then called XXXX and XXXX was the representative that assisted me with the case. She verified my personal information, she told me it was from a payday loan that I took out in XXXX while I was employed at XXXX XXXX She told me that the original debt was held with XXXX XXXX Being that I did not want legal action taken against me I setup a payment arrangement. I provided my banking information and signed documents called a hardship payment. XXXX stated that I will receive a pay out letter that I will need to sign tomorrow at XXXX. 

Being that I was nervous I did not research the company until I got off the phone. I do not even remember said debt. I then contacted the company to gather more information. I asked XXXX if I could be emailed the original garnishment letter since I had not received it. XXXX then begins to get upset. She said that they no longer have that letter since a payment plan has been setup. I then stated that I will have my attorney reach out because I do not recall doing business with XXXX XXXX XXXX  then stated that she can reach out to her supervisor and have the payment plan cancelled and that I could wait for a court date. She repeatly asked me what did I want her to do? I quickly disconnected the call. 

The amount presented in the document I signed is XXXX with a settlement amount of {$300.00}. The collection company is B & P.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: GA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2024-12-04 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: LA

Complaint narrative:
Under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.

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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX I deposited a check on my business account from XXXX XXXX  XXXX XXXX of my clients XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX for the amount of {$4600.00}. 

At that moment Citi Bank decided to freeze my account stating they needed to verify the legitimacy of the check. They first requested 24-48 Hours. after this time frame when I went to the bank on XXXX they closed my account and stated I needed to wait from 30 to 60 days to return my money.

Citi Bank has already confirm this check via Phone and funds have been taken from my clients account. 

XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX The owner of the account went to Citi bank XXXX XXXX ) and they stated that since he did not had an account they could not help him. In the mean time Citi bank is holding money that does not belong to them with no other excuse but to state that they needed verification. I have provided all information and can not wait 30 to 60 days for this bank to return my money. They are playing with clients money and placing employees and companies at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: LA

Complaint narrative:
Unfortunately my information was leaked in several data breaches, including XXXX. When this was brought to my attention, i pulled my credit report and noticed inaccurate in it. From address to accounts. I was promised privacy and accuracy based on federal law.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Unfortunately my information was leaked in several data breaches, including XXXX. When this was brought to my attention, i pulled my credit report and noticed inaccurate in it. From address to accounts. I was promised privacy and accuracy based on federal law.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: CA

Complaint narrative:
Today, I received a text on my cell phone saying this : XXXX, contact MRS BPO LLC regarding a matter with XXXX XXXX. MRS is a collection agency. 
Visit : https : XXXX call : XXXX opt-out : reply XXXX XXXX : XXXX 

I am not XXXX! 
I called them at ( XXXX ) XXXX because no one answered the number above provided in the text, and I disputed this. The man who answered sounded like he was in a call center of sorts, and he stated that they had nothing for me in the XXXX category, aka office, under my real name, XXXX XXXX. They kept asking for my middle name, which I declined to give. I have no business with XXXX ; I am with XXXX XXXX XXXX. 

When I text STOP in response to their text, I get this response : " Your phone number can't be located. Please call XXXX. '' This text is from MRS BPO LLC, a debt collector. 

This communication is a scam of some sort; please handle this and stop this from happening to others. 
Sincerely, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
Loan Depot holds payments until they are late. They do not properly credit payments on principal. They issue bills reflecting a month old payment history so that it appears as if the payment is late when it is not. They then charge you a late fee. 
They issue you a receipt for payment that does not show payment on the principal that was paid. That way they can apply it however they want to rip you off for interest. They will not give you a straight answer on the payment period.

Company response to consumer: Closed with explanation