vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account this account is hurting my ability to obtain credit Its my understanding that the credit bureau will investigate this account for me to ensure accuracy here is the account Im asking you to verify as accurate Account name : XXXXXXXX XXXX XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX Account number # 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 2024-04-28 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:
I've reached out to XXXX several times to inform them that they are in violation of federal law by reporting and disclosing my non-public personal information 15 U.S.C 6801

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 2024-04-28 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: GA

Complaint narrative:
I've reached out to XXXX several times to inform them that they are in violation of federal law by reporting and disclosing my non-public personal information 15 U.S.C 6801

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: GA

Complaint narrative:
I've reached out to XXXX several times to inform them that they are in violation of federal law by reporting and disclosing my non-public personal information 15 U.S.C 6801

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 2024-04-28 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:
XXXX, XXXX, TRANSUNION have violated me : Per FCRA Section 623 XXXX XXXX TRANS UNION CORP. US COURT of Appeals for the Third Circuit Court Case 115 F. 3rd 220 XX/XX/year>, Filed ( D.C. No. 95-cv-01743 ). 
FCRA Part ( A ) ( 5 ) ( B ) ( ii ) FCRA Section 611 Part ( A ) ( XXXX ) XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) has violated me per : FDCPA Section 807 ( 8 ) FDCPA Section 809 ( b ), FTC Opinion Letter Case From XXXX  FDCPA Section 805 ( c ) FCRA Section 605 ( 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 2024-04-28 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: GA

Complaint narrative:
XXXX, EQUIFAX, XXXX have violated me : Per FCRA Section 623 XXXX XXXX XXXX XXXX XXXX. US COURT of Appeals for the Third Circuit Court Case 115 F. 3rd 220 XX/XX/year>, Filed ( D.C. No. 95-cv-01743 ). 
FCRA Part ( A ) ( 5 ) ( B ) ( ii ) FCRA Section 611 Part ( A ) ( XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) has violated me per : FDCPA Section 807 ( 8 ) FDCPA Section 809 ( b ), FTC Opinion Letter Case From XXXX FDCPA Section 805 ( c ) FCRA Section 605 ( c )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: MD

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-28 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: TX

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed 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 2024-04-28 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: NV

Complaint narrative:
Looking over my documents I notice that I do not have a copy of the contract that I have with Experian or the debt collections that is on credit profile. Under the FCRA it is the Responsibility of Experian to ensure that they proper documentation from me stating that I gave the some form of permission or to show proof of some contract to report these accounts on my credit profile.. May they provide copy of the written documents or some form of agreement to where I gave them permission to report these account on my credit profile. XXXX XXXX XXXX account number XXXX, XXXXXXXX XXXX XXXX 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 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I went to XXXX on vacation on XX/XX/2024. While there a charge was posted to my Citi credit card. This was on XX/XX/2024 for {$910.00} ( XXXX ) from a company called XXXX in XXXX XXXX XXXX XXXX I was in XXXX, XXXX this day and was on group tour. When we came home I checked my credit card statement and found this fraudulent charge on my card. I immediately called Citi and disputed this charge on XX/XX/2024. They opened a dispute. Then on XX/XX/2024 they text me to call them to discuss this matter. I called immediately to speak with them. They asked some questions about the bill and other charges on my card. They said that this card was present to make this charge and I said it was with me the whole time. I never gave card to anyone which they accused me of doing. They stated they will issue new card. On XX/XX/2024, they contacted me again by text with number. Did not use this number, but one on back of card. When calling back we got XXXX security department who kept on insisting that this card has a chip only to the card that we have and no one else can use it. But we never gave it out. All she kept saying it showed the card was present. After phone call completed, received another call from fraud departemnt and asked if all questions were answered. We did and they hung up. On XX/XX/2024, I looked at my statement online and saw the charge was back on. I called back and spoke with XXXX ( XX/XX/2024 ) Fraud dept. and she said that the investigation was over. I asked where was the signed receipt I requested on XX/XX/2024 by e-mail and she had no knowledge of e-mail and could not produce it. They have no evidence that I made this charge. All they keep saying is card was present and I have to pay. I have no merchandise for this charge and they can't produce evidence.. Researching the company on line, I found they dissolved on XX/XX/2024. I can not understand how Citi can not find this information since it is on them with their fraud department to keep me safe from 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 2024-04-28 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accountson my report.Please remove these account from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: WI

Complaint narrative:
called debt collector XXXX about a account they are reporting on my 3 credit reports they advised me to contact the creditor which I did talked to XXXX in billing XXXX XXXX XXXX XXXX how advised me that there was no account with them for XXXX at any time XXXX called Americollect and talked to XXXX in there client services and she said the only bills with them equaled XXXX so I called back to Americollect and talked XXXX XXXX a supervisor in collections and asked for XXXX in client services and was told by XXXX no debtors are allowed to talk to client services unless you are a company they represent and she got very rude and annexes and said how could XXXX from XXXX  XXXX talk to XXXX when she was not in the office on his day. She proceeded to call me a liar. Then she stated I have 8 accounts with them there she said one is XXXX one for XXXX and one for a smaller amount of XXXX and 3 more that equal XXXX. XXXX XXXX is saying there is only one bill with them that equals XXXX have asked Americolled to send me written verification of the debits they are claiming I owe from XXXX XXXX with no response on several occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
On XX/XX/year> my Apple cash account was locked due to it not abiding apples terms and conditions. They have yet to explain the honest reason why it was locked because what was given as an explanation it was not a formidable reason once so ever. I currently have {$1500.00} permanently locked on there. It was not a suspected fraud case because it came from the same card Ive had on Apple pay for the last 2-3 years. I would greatly appreciate some assistance in getting my account unlocked because the money I use on Apple pay is strictly for my bills and without it I am in jeopardy of facing late bills and maybe even eviction. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
During the pandemic XXXX XXXX closed my open accounts that did not have any missed payments on my XXXX XXXX card. XXXX XXXX has since discharged the debt sold the debt to another creditor and continues to report the account as open and delinquent in an attempt to destroy my credit. 
XXXX XXXX placed the account in a delinquent status with astronomical fees that due to my lack of travel employment I was unable to pay during the pandemic. Four years later they are still reporting the account to all credit bureaus as open and delinquent

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
During the pandemic XXXX XXXX closed my open accounts that did not have any missed payments on my XXXX XXXX card. XXXX XXXX has since discharged the debt sold the debt to another creditor and continues to report the account as open and delinquent in an attempt to destroy my credit. 
XXXX XXXX placed the account in a delinquent status with astronomical fees that due to my lack of travel employment I was unable to pay during the pandemic. Four years later they are still reporting the account to all credit bureaus as open and delinquent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
During the pandemic XXXX XXXX closed my open accounts that did not have any missed payments on my XXXX XXXX card. XXXX XXXX has since discharged the debt sold the debt to another creditor and continues to report the account as open and delinquent in an attempt to destroy my credit. 
XXXX XXXX placed the account in a delinquent status with astronomical fees that due to my lack of travel employment I was unable to pay during the pandemic. Four years later they are still reporting the account to all credit bureaus as open and delinquent

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 2024-04-28 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: NV

Complaint narrative:
Looking over my documents I notice that I do not have a copy of the contract that I have with Equifax the debt collections that is on credit profile. Under the FCRA it is the Responsibility of Equifax to ensure that they proper documentation from me stating that I gave them some form of permission or to show proof of some contract to report these accounts on my credit profile.. May  Equifax provide copy of the written documents or some form of agreement to where I gave them permission to report these account on my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: NV

Complaint narrative:
Looking over my documents I notice that I do not have a copy of the contract that I have with Equifax the debt collections that is on credit profile. Under the FCRA it is the Responsibility of Equifax to ensure that they proper documentation from me stating that I gave them some form of permission or to show proof of some contract to report these accounts on my credit profile.. May Equifax provide copy of the written documents or some form of agreement to where I gave them permission to report these account on my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
Got out of bankruptcy XXXX  XXXX end of XX/XX/2023 my attorney told me to start paying XXXX I did. When I called flagstar they told me I was behind. I told them the trustee was paying my mortgage and it was cure. I even received a letter from flagstar attorney that my delinquency was cure. After that every month I was sending payments or partial payments to them. But they applied late. This year I send XXXX XXXX  total for XXXX and XXXX it just showing yesterday that XXXX was paid. They holding money and deposit months later so they can claim late fees they are harassing me even on Sunday by delivering mail. I didn't pay XXXX  or XXXX just XXXX . I have medical bills and city taxes to pay and at work they start cutting hours. Flagstar is incompetent. The payment center is in XXXX but corporate send me threat letter from XXXX Michigan I have XXXX  so does my wife who doesn't work..

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 2024-04-28 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: TN

Complaint narrative:
In accordance with the fair credit Reporting act, this company has violated my rights. 15 USC 1681 Section 602 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. I sent a letter asking this company to show proof that I was late on this account, and they failed to do so. I was never late on these accounts, and I demand they be updated too positive.

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 2024-04-28 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: IN

Complaint narrative:
I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate |

Company response to consumer: Closed with non-monetary relief