vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 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: 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 explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I received a piece of mail from Citibank to get an additional credit card without any credit checks. I filled out the form to see if I was approved and then they sent me an email saying I was not. Immediately afterwards I received a credit alert from credit card saying CBNA just did a HARD INQUIRY. My credit score immediately dropped off XXXX negative points. 

On top of that, they had the audacity to deny me that credit card! 

I have an XXXX credit score. I dont owe anyone money. I make a lot of money and I feel like they may have discriminated against me due to my XXXX last name. What other possible reason would they deny me? Then hurt my credit? 
Then lie about no credit impact? 

It does not make sense!!! 


I am trying to build my credit score to XXXX. I have multiple credit cards already and would have never ever agreed to have ANYONE do a HARD INQUIRY because I know it hurts my credit score and it stays on my credit report for XXXX long years. 

I want citibank to immediately remove that unwanted hard inquiry and send me a formal letter apologizing for their false promises of No impact to credit score.

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 2024-09-11 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-09-11 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: IL

Complaint narrative:
I have asked several times for equifax to remove the following hard inquiries and it has not been removed as of yet. 
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 2024-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
My name XXXX XXXX, a Federal protected consumer, and I am making this complaint against PORTFOLIO RECOVERY ASSOCIATES LLC for committing identity theft. I have never given PORTFOLIO RECOVERY ASSOCIATES LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until PORTFOLIO RECOVERY ASSOCIATES can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and PORTFOLIO RECOVERY ASSOCIATES continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY ASSOCIATES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft, by deception, securities fraud and mail fraud and provide me proof your license to collect in my State. Upon the receipt of documents herein and of this notice, you are hereby notified, Pursuant UCC 1 - 202f. Your Prompt attention and response are both requested and required. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: NJ

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The delays in payment and account closure are not my responsibility. On XX/XX/year>, I received a settlement letter from TD Bank for {$6000.00}. However, the payment instructions provided were insufficient. The online system was inaccessible as it was locked to me, and the provided phone number connected to a XXXX XXXX promotion scam without any payment option for TD Bank. The letter included an address for wire transfers or checks but didn't specify if the check should be made out to TD Bank or Raymour Flanigan. 
Numerous attempts to resolve the issue over the phone were unhelpful, as operators refused to discuss it on a recorded line. On XX/XX/year>, XXXX ( ID : XXXX ) assured me that I would receive a letter with updated information, which never arrived. She instructed me to make the check payable to TD Retail Card Services at XXXX XXXX XXXX, XXXX, SC XXXX. 
After waiting for the promised letter without success, I sent the settlement check along with a copy of the settlement letter. The delays stem from TD Bank 's mismanagement, yet my credit scores have dropped by over XXXX points, and the credit bureaus still report the account as open and in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
Hello my name is XXXX XXXX, I recently reviewed my credit report and noticed an account that was not reporting accurately, i have two late payments on an account reflecting 60 days late although both previous months were paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been 60 days late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX and XX/XX/XXXX ) I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. This account is a XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: OR

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 2024-09-11 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I have several checking accounts that were opened fraudulently without my consent or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
These late payments are inconsistent with my usual payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc
State: KY

Complaint narrative:
On XX/XX/year> I received a letter from a debt collection agency stating I owed XXXX XXXX {$870.00}. I immediately contacted XXXX XXXX because I know that I had returned all of my equipment and had completed my contract with XXXX XXXX and all bills were paid. I spoke with XXXX XXXX XXXX XXXX ID XXXX. I explained to her what I was calling for and she asked for a minute to look over my account. When she came back on the line she tried to give me the phone number to the debt collection agency and she proceeded to inform me to explain to the agency that XXXX XXXX had received the equipment and that I did not owe XXXX XXXX any longer. I refused I explained that is not my responsibility to contact this agency XXXX XXXX made a mistake just like they had on a previous account I had with that company several years ago and I had to have XXXXXXXX XXXX fix the problem they caused by their failure to update records accordingly when they receive payments and equipment. This debt collection agency should have never received any debt collection to collect from me in the first place. I returned everything and made sure my contract for one year had been completed before I canceled my service with XXXX XXXX and I owed nothing when I had canceled. Now almost 2 years later Im receiving a threatening letter from a collection agency? It is not acceptable. XXXX XXXX needs to do a better job at making sure consumers information and payments are handled better this is absurd. This affects my credit and my emotional state. I feel XXXX XXXX  should have to pay for the stress and aggravation for someone having to deal with this every time an account is canceled and all fees have been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TN

Complaint narrative:
{$5100.00} is being held by square. I was told that my funds would be released on XX/XX/XXXX or before then but they have not released my funds. Furthermore, they froze the funds an additional month. The original reason I was given was to verify my identity using my facial biometric data. I opposed this, but they said either I give my facial data or they will wait until XX/XX/XXXX to unlock the funds. So after a month of waiting for my money, on XX/XX/XXXX they gave another bogus reason for withholding my funds and extended the hold until XX/XX/XXXX. 

During the process they have been unresponsive and when responding giving generic, robot responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: AR

Complaint narrative:
It concerns an account of my late daughter. 
She passed away XX/XX/2023. 
I have not been able to achieve or receive the balance at her death. 
I have made numerous attempts through phone calls, letters during this past year. I have sent everything they have requested to identify myself and prove I am next of kin. I have not received any answers or replies. I filed a afidavid and notarized XXXX XXXX with XXXX XXXX XXXX XXXX in Arkansas. 
I have sent them a copy plus death certificate, her ID, my ID, her birth certificate and still have not received any funds or acknowledgement. 
I also asked for a statement of the last month of activity on account XXXX XXXX XXXX  XXXX Chime XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation