vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NC

Complaint narrative:
I recently looked at my credit and it showed on my hard inquiries and I was seeing that It showed, I've been that was charged off with two off my hard inquiries and still listed as a hard inquiries which effects my credit score. My Dispute is that those that are listed up to be took off that are listed as charged off. It is against the law to flip another lien on another company or still have it up on my credit score still effecting it if it's listed as charged off. I would like Discover Bank Credit Card -Shows That it was charged and wriiten off in the year 2024. The other one is XXXXXXXX XXXX XXXX  says it was closed XXXX was the amount in the same yeaXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: NC

Complaint narrative:
told XXXX, XXXX, and Equifax to reinvestigate these accounts. 
account name ; XXXX finance account number # XXXX account name XXXX XXXX  account number # XXXX account name XXXX XXXX account number # XXXX account name XXXX XXXXXXXX XXXX  bank account # XXXX account name XXXXXXXX XXXX XXXX  account # XXXX They stated everything was completed and accurate. 
but how is that if the open date, date of last activity and much more is incorrect. 
According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting to the agency correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: AR

Complaint narrative:
Hello, I'm writing to let you know that I don't recognize any of the hard inquiries from an auto loan on my credit. I just bought a car back in XXXX, so applying for another auto loan makes little sense. I don't recognize any of these, and I don't recall granting them permission to perform a rigorous check into my credit history. I would like them all deleted right now. 
XXXX XXXX XXXX XXXX 
TransUnion : XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year> 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>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 explanation
Consumer complaint received 2024-07-06 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: NJ

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 15USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a direct targeted email marketing notice from TD Bank, which stated the following : " Hurrytake advantage of your offer before it expires! You can earn up to {$600.00} when you open new personal TD checking and TD savings accounts by XX/XX/XXXX with qualifying activities. 

Earn {$400.00} : Open a new TD Beyond Checking account and have {$2500.00} total in qualifying direct deposits within 60 days. 
Earn {$200.00} : Open a new TD savings account, make a deposit of at least {$10000.00} within the first 20 days, and maintain at least a {$10000.00} balance for 90 days. '' I have opened the accounts, completed the requirements, and confirmed my eligibility with TD Bank, as evidenced in the attached documentation. 

However, TD Bank has refused to pay out the full {$600.00} bonus, falsely claiming that I don't meet the requirements to delay proper handling of my case ( see the attachment for evidence ). Then, they tried to convince me to accept a lower tier bonus that was publicly available with a much lower payout ( see the attachment for evidence ). They later pushed the issue to an inaccessible backend department and have remained unresponsive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I always pay on time. I know this for sure. I don't understand why this company says I'm late some months. According to USC 1666b, billing errors must be fixed and shown as paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I've not missed any payments, yet my home is out for foreclosure for charges I do not owe and will not pay. 

continued problems with the leadership of CFPB and the revocation of criminals operating in the XXXX illegally. 

XXXX judgement how many times do I need to repeat the same thing?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: NJ

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: NJ

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I always pay on time. I know this for sure. I don't understand why this company says I'm late some months. According to XXXX XXXX, billing errors must be fixed and shown as paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 with my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I have been a victim of mail theft and check forgery of my Citizens checking account -check # XXXX. I wrote this check to pay my XXXX rent in the amount of {$1700.00} and mailed it at the drive up mailbox at the XXXX CT post office located at XXXX XXXX XXXX. I was notified on XX/XX/XXXX by my landlord that my check was never received. I immediately logged into my Citizens account and discovered that my check had been stolen and forged to an individual unknown to me or my landlord. 

I reported this to the Citizens Bank fraud department and then went to the branch located at XXXX XXXX XXXX XXXX in XXXX to put a hold on my account to prevent any further fraudulent activity. I then went to the XXXX Police to file a report but they said it was not necessary as it was a Postal Service and Citizens Bank issue. I then contacted the USPS inspection service and filed a case with them concerning the mail theft. I was informed by them that drive up mailboxes are not secure and that I should never use one because people go fishing in them looking for opportunities to commit theft and forgery. 

I received a letter from Citizens Bank fraud department on XX/XX/XXXX that they determined that no fraud was committed against my account and therefore my money would not be refunded. 

Looking at the forged check compared to other checks I have written to my landlord clearly show my signature does not match nor does any of the writing on the check. The paper of the forged check also looks very different from the paper of my other checks and I was told by the USPSXXXX that this is because the check had been washed of my ink or the check had been copied. 

Through the course of conversation with the USPSXXXX and Citizens Bank it became obvious that this is a known problem to them but not to the consumer. This approach by Citizens Bank is entirely unfair to checking account holders because I was told if this were a credit card or debit card issue it would be covered. 

This was my rent check for {$1700.00} that now i have to endure this hardship of paying my rent twice! Many seniors like myself still write checks and it is just not fair to us, or for that fact any checking account customer, that there is no relief from the bank for this type of fraud. 

CFPBs help resolving this matter would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-06 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: TX

Complaint narrative:
I have repeatedly asked for Experian to reinvestigate this account inaccurate information being reported to my consumer report. 
I sent a request for reinvestigation and method of verification of the information to Experian on XX/XX/XXXX. I was met with more inaccuracies. The inaccuracies are highly injurious to my credit score ( XXXX XXXX account # XXXX ) In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, Subsection A-D. I have the right to ask for names and addresses of each individual with whom the information was verified. Clearly this was not the case. Because I was sent another credit report with inaccurate information. ( see attached report results from XXXX XXXX dispute ) This account was charged off on the following date : XX/XX/XXXX Since then, the account has repeatedly been updated as new charged off every month. This is an update in the payment history. A charged off account should not provide an active payment history. ( see attached current Experian report XXXX XXXX. 

This inaccurate information falsely manipulates the statue of limitations and Experian is not properly investigating this account. I have asked multiple times and Experian 's neglect has violated my consumer rights. I am demanding a deletion of this account. 

XXXX XXXX account # 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 explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On Fri, XX/XX/XXXX, I recd a letter from a Comenity Capital Bank telling me that my application for an " Alphaeon XXXX Account '' had been denied. I have never even heard of such an acct, and they claimed they didn't have any info as to who applied on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I NOTICED IN MY CREDIT REPORT THAT THIS COMPANY SEQUIUN ASSET SOLUTIONS KEEP REPORTING TO THE ALL 3 MAJOR CREDIT BUREAUS THE LAST TIME WAS XX/XX/year> I NEVER RECEIVE A LETTER BY THEM OR GIVEN ANY PERMITION OR CONSENT TO DO THIS ACCORDIND TO THE U.S 15 USC 1692C ITS IS ILEGAL FOR A COLLECTION COMPANY TO KEEP REPORTING TO THE CREDIT BURREAUS WITH MY CONSENT OR PERMITION PLEASE VERIFY THIS AND DELETE THIS FROM MY ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: OK

Complaint narrative:
My backpack was stolen out of my car which included, computer, external XXXX XXXX, passport, wallet, drivers license, credit cards, social security card, XXXX card. A police report was made along with several FTC complaints filed. 

My credit report is show XXXX accounts with XXXX XXXX XXXX XXXX that are not correct and numerous injuries. 
XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX account # XXXX Inquiries - XXXX XXXX, XXXX XXXX, XXXXXXXX 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 this is on my XXXX account and some of the items but not limited to all could have been caused due to the breach that XXXX had XXXXhat put mu information at jeopardy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received an Amex Gift Card ( value of {$100.00} ). I attempted to use this on XXXX and the transaction was continuously declined after a few attempts. When I check my balance online, it shows less than the card value due to XXXX holding the amount to verify the card. Whenever XXXX asks me to verify my card, the payment gets declined again. I looked online to see if this was a more widespread issue, and it appears that many others reported having this problem as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management Account XXXX XXXX is reporting on my credit report in the amount of {$530.00} that I do not owe to them. I have requested information pertaining to the debt and have yet to receive any documentation validating debt and said amount. This negative remark on my credit report has impacted my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief