vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed a copy of my updated Credit Report. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX  XXXX Balance Owed : {$680.00} ; XXXX/XXXX  XXXX Balance Owed : {$480.00} ; XXXX  XXXX Balance Owed : {$2100.00} ; XXXX  / XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1600.00} ; and XXXX XXXX  XXXX Balance Owed : {$4100.00}.

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 non-monetary relief
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed a copy of my updated Credit Report. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX  XXXX Balance Owed : {$680.00} ; XXXX/XXXX XXXX Balance Owed : {$480.00} ; XXXX  XXXX Balance Owed : {$2100.00} ; XXXX  / XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1600.00} ; and XXXX XXXX  XXXX Balance Owed : {$4100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Inaccurate information reported on my credit

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Inaccurate information reported on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: HI

Complaint narrative:
I don't own XXXX XXXX  and I don't own Spring Oak credit anything and as as of result of them the gathering information from XXXX XXXX they have violated my rights of privacy by reporting information to the credit bureaus! My account # ( XXXX ) I want these unlawful gatherings removed from my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I submitted a complaint on XX/XX/XXXX to remove the fraudulent information : XXXX XXXX XXXX  XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$760.00} ; XXXX  XXXX Balance Owed : {$200.00} ; XXXX  XXXX  XXXX Balance Owed : {$950.00} ; XXXX  XXXX  XXXX Balance Owed : {$180.00} ; XXXX  XXXX  XXXX Balance Owed : {$220.00} ; XXXX  XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} ; XXXX  XXXX Balance Owed : {$950.00} and inquiries XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included these fraudulent items in my previous Complaint # 's XXXX, XXXX, and XXXX and I am including them again on my Complaint. I am a victim of Identity theft and I have reported the theft of my identity to the FTC and attached copies of the FTC 's Identity Theft Report. Again, these items were opened without my knowledge or consent. Pursuant of the FCRA section 605b, the Credit Bureaus are required to delete these items as soon as possible.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I submitted a complaint on XX/XX/XXXX to remove the fraudulent information : XXXX XXXX XXXX  XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$760.00} ; XXXX  XXXX Balance Owed : {$200.00} ; XXXX  XXXX XXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX  XXXX  XXXX Balance Owed : {$220.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} ; XXXX  XXXX Balance Owed : {$950.00} and inquiries XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included these fraudulent items in my previous Complaint # 's XXXX, XXXX, and XXXX and I am including them again on my Complaint. I am a victim of Identity theft and I have reported the theft of my identity to the FTC and attached copies of the FTC 's Identity Theft Report. Again, these items were opened without my knowledge or consent. Pursuant of the FCRA section 605b, the Credit Bureaus are required to delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, 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 have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts REASON XXXX  XXXX XXXX  ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$1100.00} XXXX XXXX XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$25000.00} XXXX  XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$430.00} XXXX  XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$1200.00} US DEPT. OF EDUCATION/XXXX  ID THEFT - This Collection Is Not My Account Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$50000.00} XXXX XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$9900.00} XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$1000.00} XXXX/XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XXXX/XXXX/XXXX Balance {$1000.00} XXXX  XXXX  XXXX XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$2200.00} Date XX/XX/XXXX US DEPT OF EDUCATION XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$2000.00}, XXXX, {$2000.00} Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I understand that failure to investigate these accounts within a period of XXXXhirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.I also understand that the Fair Credit Reporting Act- specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notifications of the appropriate corrections and updated credit report at no charge. thank you for your time and attention to this matter. I look forward to hearing from you soon Very truly yours, 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 non-monetary relief
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts REASON XXXX  XXXX  XXXX  ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$1100.00} XXXX XXXX XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$25000.00} XXXX  XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$430.00} XXXX  XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$1200.00} US DEPT. OF EDUCATION/XXXX  ID THEFT - This Collection Is Not My Account Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$50000.00} XXXX XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$9900.00} XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$1000.00} XXXX/XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XXXX/XXXX/XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$2200.00} Date XX/XX/XXXX US DEPT OF EDUCATION XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$2000.00}, XXXX, {$2000.00} Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.I also understand that the Fair Credit Reporting Act- specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notifications of the appropriate corrections and updated credit report at no charge. thank you for your time and attention to this matter. I look forward to hearing from you soon Very truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
In XX/XX/2022 XXXX ( US ) transferred my accounts ( checking, saving, and credit card ) to Citizens Bank as part of closing its US operations ( without offering me any choice ). 

Citizens has so far made no provision for account holders who do not reside in the USA ( you have to give a US telephone number to register ), so I have no online access at all. At least one person that I spoke to was aware of the problem but said resolution was indefinite. 

Also one can not withdraw funds via its telephone system, so I do not have any access to my money as far as I know. Obviously the situation causes me some difficulty. 

Surely this is strange behaviour for a bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Skopos Financial, LLC
State: FL

Complaint narrative:
skopos financial has been making false report with XXXX, XXXX, and XXXX, regarding when my first late payment began. i open skopos automobile loan XX/XX/XXXX, i began having financial difficulties around XX/XX/XXXX, i have provided supporting document from skopos from XXXX thruXXXX late payment statement with past due amounts ranging from {$910.00} to {$1800.00} in late payments. credit reporting law states 7 years from the first date of being late, skopos has been reporting my account late begins XX/XX/XXXX. 4 years after the true date., there adverse actions had cost me denial of credit and higher interet rates.i have asked XXXX, XXXX and XXXX to reinvegiagte this matter. with late payment statement i have yet to recieved this account removed from my personal credit report. i submit copies to all three agencies in late XX/XX/XXXX, only thing im seeing my credit score dropping.

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 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am an XXXX XXXX that opened a checking account with Chime Banks. At the time their digital platform didnt require valid identification therefore I was able to successfully open an account. After depositing my money into the account, Chime claimed that during routine monitoring of accounts on Chimes platform, we identified unusual activity. They ultimately closed my account when I couldnt provide them with a government-issued photo ID. At the time of closing my account, the balance was {$3500.00}. 

I have repeatedly asked them to refund my money by mailing me a check, but they have refused, citing that I need to provide a valid government id and other documentation that I don't have. This has become an impasse. 

Chime has created a mousetrap for illegal aliens to deposit their money and then require a government-issued photo ID and other documents that we can not provide. Chime is now holding my money knowing that I cant fight for what is mine. 

My position is that Chime should not be allowed to keep my funds, if they decided to change the requirements they should allow me to close the account properly and return what is mine. 

In conclusion, Chime bank is legally stealing from me. They should either issue me a refund by mailing a check to the address on file or send the funds to the State of Californias unclaimed property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANNER CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 I received a check for a job that I was supposed to start. The check was supposed to be used for materials I needed to start my XXXX XXXX from home. XXXX XXXX and associate with XXXX XXXX sent me a check for XXXX and instructed me to deposit it. I waited for the check to not be on pending status, he then instructed me that I was to buy gift card and send him pictures of the cards so he can send them to his distributors to but my computer and home office supplies. The next day on XXXX XXXX he told me that it wasnt enough money for everything so he sent me another check in the amount of XXXX. I deposited the check and waited for the check to get out of pending status and did as I was instructed and purchased more gift cards. I sent him pictures of the cards I had bought and he said he would send them in for my materials. On XXXX XXXX he then told me again that it still wasnt enough money so he sent me a check for XXXX and instructed me to deposit it again which I did. I was waiting for the third check to get out of pending status when the first check was charged back. I called the bank and told them what was happening. They informed me that they suspect that it was fraud and put a freeze on my account. That also informed me that it was a scam and the other two checks would be charged back as well. I informed XXXX XXXX about what happened. He told me it was just a miscommunication from banks and told me the issue would be resolved but it hasnt. My account will be overdrawn by XXXX once all the checks get charged back. All the funds I had in my bank for bills are now going to checks that are bad.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/2021 the Department of Education consolidated my student loans to reflect one ( 1 ) Education loan. This was due to them having multiple loans open under one loan umbrella. During this time there were several late payments that occurred from the Dept of Ed not being transparent with payment methods and dates, i.e. I took a leave of absence from college before returning the next semester. 

However, when these loans were consolidated they were supposed to close out all negative aspects of the previous loans. On XXXX and XXXX this indeed was done. On Experian, they continue to populate the closed debt reports as of late payments. I tried numerous times and also spoke to employees of this credit agency to rectify the issue. They refuse to abide by the law and perform their required duty.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have repeated asked the credit report agencies- Experian, XXXX, and XXXX - to remove The Office of The Attorney General from my credit reports. My report shows there is an active case with the State of Texas and the Attorney Generals Office for child support and this is not true. There is no case. Further, one of my credit reports shows two cases, which is not true. 

Please help getting this removed from my credit reports. 

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 explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANDY SPRING BANCORP, INC.
State: DE

Complaint narrative:
Sandy Spring Bank froze my account with no notification. After wasting cumulative hours and multiple phone calks they are refusing to unfreeze or close the account unless I drive to a branch, the closest of which is an hour away

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
To whom it may concern I bank with Vystar Credit Union in XXXX, Florida. Vystar told the members almost 2 weeks ago that the online banking would be down for the weekend. I have not been able to get into my account in almost 2 weeks. There is no end in sight and no one can tell me when I will be able to get into my account. I am unable to pay bills or see my balance. ATMs were down all weekend and the customers are getting upset. This is unacceptable and should have been rectified weeks ago. The CEO continuously tells us to be patient but it is not their money they can not access or bills unable to pay.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have repeated asked the credit report agencies- XXXX, Transunion, and XXXX - to remove The Office of The Attorney General from my credit reports. My report shows there is an active case with the State of Texas and the Attorney Generals Office for child support and this is not true. There is no case. Further, one of my credit reports shows two cases, which is not true. 

Please help getting this removed from my credit reports. 

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
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have repeated asked the credit report agencies- XXXX, XXXX, and Equifax - to remove The Office of The Attorney General from my credit reports. My report shows there is an active case with the State of Texas and the Attorney Generals Office for child support and this is not true. There is no case. Further, one of my credit reports shows two cases, which is not true. 

Please help getting this removed from my credit reports. 

Thank you!

Company response to consumer: Closed with explanation