vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 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: MA

Complaint narrative:
Experian refuses to correct my information. I have a XXXX credit card that they have listed as other account with no status information. I have put in a dispute twice and messaged them twice regarding this account, to no avail. I notified the bank that holds the card and have received a letter from them informing me that they last updated my accounts on XX/XX/2023. The other XXXX reporting agencies have this account in my credit report correctly. Without this information in my report, my XXXX XXXX can be affected incorrectly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX this company reported that this account was closed by grantor and this account was charged off. And also reported a late payment for XX/XX/2023 and XX/XX/2023. That is not true I called and closed this credit card myself cause i no longer use this card .When i closed this card XX/XX/2023 it was in good standing with XXXX balance and no late charges this year at all .Thank u

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: DC

Complaint narrative:
Chime is the worst and their customer support is horrid. I have been a long time customer with Chime. I only had one incident where I reported a fraudulent transactions and was told the distance from the restaurant to my home is in close proximity, Chime denied my claim. Even though I had proof it wasn't me. This happened XXXX ago. Fast forward to what brought me here. Chime motto '' Banking made easy '' is false advertising. Talking to Chime customer support is like talking to a brick wall. My employer sent my payroll on check ( {$1300.00} ) to chime for direct deposit on XX/XX/23. On payday ( XXXX ) the money isn't in my chime account. I went through the app to speak with someone. This was a major headache and causing me so much Anxiety. I talked through Chime chat and spoken on the phone with several agents only to get the run around. I was told by several Chime reps that they can't see my direct deposit until it's posted. I then asked so where's my money and was told it's in processing. I then asked what stage in the process is my direct deposit? I was told by multiple Chime agents that they couldn't see the process only when it's posted. Again what is customer service for if they can't answer simple questions. Chime also said they release your money as soon as it's deposited. This is a lie and false advertising. Your direct deposit goes through a third party process before it's posted ito your account. Chime holds your money and release it when they want to. I was also told I have to wait XXXX pay cycles ( a month ) to get my money. Even though I have been with Chime for over 7 years. I will be closing this account. Please beware don't use chime is a rip off and they don't offer immediate release of your funds=false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: FL

Complaint narrative:
I recently viewed my personal credit and without my authorization or me benefiting from these acts of knowingly and willingly proceeding without my written consent I found that there has been multiple violations of 15 usc 6802 15 usc 6802b 15 usc 1692 c ( c )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To : Resurgent Capital Services AND LVNV Funding LLC AND XXXX XXXX XXXX XXXX XXXX I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Guild Holdings Company
State: NV

Complaint narrative:
Guild Mortgage Company increased my monthly payment on a ( 30 year fixed loan ) in excess of {$360.00} per month. In addition to the increased monthly payment XXXX added fees for services not yet rendered, fees for services in excess of valid cost of service and fees for services not rendered at all. In addition, XXXX failed to remove the PMI upon request once the equity in my home qualified for the removal. XXXX exceedingly added fees and charges it required me to satisfy in order to avoid foreclosure. I was unable to cure the amount XXXX was demanding as it including {$9000.00} in fees for the trustee PRIOR to initiating a foreclosure. 

As a result, my home was foreclosed. An investor bought my home at the trustee sale. My mother who was in need of daily assistance with living resided in the property with me at the time of the trustee sale. She and I were forcibly removed without a moments notice. I was prohibited from even putting shoes on my feet. My mother and I were displaced from each other resulting in her to pass unnecessarily after suffering multiple strokes without medical attention. Her brain suffered too much damage for her to recover. 

The investor was given access to my home and ALL of my personal property. The movers threw a lifetime of personal possessions in a storage unit as if it were the dump. A lifetime of personal property was destroyed after the movers took what was of value for themselves. 

I am currently in the Nevada Supreme Court after the XXXX XXXX erred in judgment by dismissing the wrongful foreclosure case against XXXX. I hope this complaint is taken seriously and action is taken to prevent XXXX and other banks from predatory loan servicing with the intention to force a foreclosure thereby destroying my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: TN

Complaint narrative:
XXXX this company reported that this account was closed by grantor and this account was charged off. And also reported a late payment for XX/XX/2023 and XX/XX/2023. That is not true I called and closed this credit card myself cause i no longer use this card .When i closed this card XX/XX/2023 it was in good standing with XXXX balance and no late charges this year at all .Thank u

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX of XXXX  my credit was frozen with all three credit bureaus ; XXXX, XXXX and TransUnion. I did not unfreeze my credit. 
TransUnion allowed a loan to be put on my credit report with them in XX/XX/2022 by a Dividend Finance using a forged DocuSign document created through identity theft. 
I have notified TransUnion multiple times over the past year despite their webpage not functioning up to the standard the law sets for Credit Reporting Agencies. They were made aware of this security issue and the failure of TransUnion to maintain my security freeze and also allow for someone to use my personal information to place a loan illegally and fraudulently through identity theft.

TransUnion did not maintain my security freeze. TransUnion allowed a forged DocuSign document to continue to repeatedly report a fraudulent loan on my TransUnion report despite being notified of the fraud. TransUnion still is reporting the fraudulent loan on my TransUnion credit report despite being notified multiple times, through multiple ways, that the loan is fraudulent and never should have gone on my TransUnion report during a time of security freeze. 
TransUnion actively chose to repeatedly break the law. 
TransUnion 's website ( webpage ) still does not function. 
TransUnion has repeatedly placed a loan on my TransUnion credit report that they know : 1 ) was created when my credit with TransUnion was supposed to be frozen.

2 ) was created using a forged DocuSign document 3 ) was created via identity theft 4 ) TransUnion does not maintain a functioning webpage where a consumer ( myself ) can manage disputes, fraud reports, security freezes, consumer statements or anything legally required of 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 non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX equifax is not reporting all of my accounts witch my creditors are reporting to them monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Phillips & Cohen Associates, Ltd.
State: CA

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX XXXX and PCA Acquisitions V , LLC stating I owed an alleged debt, I have disputed the validity of the alleged obligation requesting verification however it was not provided. I deny any and all Alleged obligations. Pursuant to Fair Debt Collection Practices Act I have been violated numerous times. 
Attachments have been provided for further details

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Phillips & Cohen Associates, Ltd.
State: CA

Complaint narrative:
I was contacted by Phillip & Cohen Associates Ltd. and PCA Acquisitions V , LLC stating I owed an alleged debt, I have disputed the validity of the alleged obligation requesting verification however it was not provided. I deny any and all Alleged obligations. Pursuant to Fair Debt Collection Practices Act I have been violated numerous times. 
Attachments have been provided for further details

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: MA

Complaint narrative:
Experian I demand for the second time that you delete this unauthorized inquiry from XXXX dated XX/XX/2022. Experian I have provided proof documentation directly from XXXX stating that the credit reporting agency shall delete this unauthorized inquiry from my consumer report. I have attached a copy of the response letter from XXXX and a copy of my original dispute with you have not responded to. After you have deleted this inaccurate inquiry from my consumer report send me a full a complete copy of my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I have applied and received assistance to bring my mortgage current. After my forbearance period I advised M & T that I applied for New York State Homeowners Assistance Fund. My account was approved and the balance has been Paid. However M & Ts single point of contact team keeps calling saying its an attempt to collect a debt and stating they have to go over options with me. I advise the representative that I am current and she confirmed that she see this information. She said well how are you going to pay for XX/XX/2023, has your income changed will you need to explore other options like a short sale. I was very upset and felt that M & T is harassing me and integrating me. I immediately call my non fee attorney and she suggested that I do this because they have a history of wrongfully calling and harassing clients.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-09-02 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: VA

Complaint narrative:
Opened a new checking account with US Bank, which was approved however US Bank has still NOT provided me necessary information to operate or service my account. 

An example is they have provided only the last 4 digits of my checking account, which is insufficient to register online or do any servicing. 

Additionally attempts to resolve this issue with their customer service was unsuccessful

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: FL

Complaint narrative:
I recently viewed my personal credit and without my authorization or me benefiting from these acts of knowingly and willingly proceeding without my written consent I found that there has been multiple violations of 15 usc 6802 15 usc 6802b 15 usc 1692 c ( c )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX I mobile deposited my check. I had no previous warning or anything but as soon as I hit deposit check, thats when it told me my check would be on hold for 7 days!!! Who holds a check for 7 days?? I just deposited the same exact amount from the same exact company two weeks ago and had no problems! I called customer service and they could not give me no answer or help at all! How can you customer service not be of any help! This is ridiculous someone has yo wait on their hard earn money for 7 days over a holiday weekend! This is my last time using this bank!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: National Enterprise Systems, Inc.
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to urgently seek the Consumer Financial Protection Bureau 's intervention concerning severe discrepancies in my credit report, which have gravely impacted my financial well-being and threaten the stability of my family. 

Background : I have identified inaccurate and potentially fraudulent reporting by certain creditors in collaboration with credit bureaus XXXX and XXXX. Despite presenting substantial evidence of these discrepancies, the negative accounts persist on my credit report, obstructing my ability to secure a home loan at a pivotal rate. 

Please see the attached supporting documents for all details relating to matter.

Company response to consumer: Closed with explanation