vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 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: FL

Complaint narrative:
I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT | INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either witten or verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others.

( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 5 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verity ( by physically veritying the orginal signed consumer contract ) each and every INQUIRIES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on tile for the accounts usted below. Your failure to positively venty these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below.

I demand that the following INQUIRIES be verified or removed immediately. 

The following inquiries are not authorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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 am a victim of identity theft. Fraudulent information appeared on my XXXX, XXXX, and Equifax credit report due to fraud. I disputed the inaccurate information to XXXX, XXXX, and Equifax. XXXX, XXXX, and Equifax verified that some of the fraudulent information belonged to me and continues to report inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Fraudulent information appeared on my Experian, XXXX, and XXXX credit report due to fraud. I disputed the inaccurate information to Experian, XXXX, and XXXX. Experian, XXXX, and XXXX verified that some of the fraudulent information belonged to me and continues to report inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — Store credit 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: DE

Complaint narrative:
RE : Citi 's Response to Complaint ID # XXXX : Wayfair 's lack of response : It is quite clear in Citi 's response that the information submitted regarding the duplicate shipment activity that there may be communication issues that need clarification. Citi appears to have completely ignored the information that I sent and based their respo9nse on the feedback from Wayfair which may include incomplete documentation ; for example XXXX. Citi stated that the dispute date was XX/XX/XXXX when the actual date of dispute is XX/XX/XXXX. Citi also noted that Wayfair did not have a record of a returned order, but did not indicate whether the Fed Ex documents that I included in my first complaint along with my fax documents sent to them XXXXXX/XX/XXXX were reviewed or acknowledged. For the record, the shipment was received by Wayfair on XX/XX/XXXX. To that end, I am attaching documents that detail shipping and return activity with Fed Ex, Payment activity from my bank ( no Wayfair card should have been charged as the transaction was paid with the use of my personal bank account ) ; and most importantly any and all communication and information that explains in detail the documentation that triggered the reconciliation of the dispute ( also includes instructions from Wayfair for returning the items.

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 2024-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
After carefully reviewing my latest credit report, I found multiple accounts that I think are inaccurate and were added without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2024, I visited a self-car wash bay with a posted price of {$2.00} for the XXXX XXXX could be made by cash or credit card, and I used my bank debit card for both washes, and only slid the card XXXX time. The next day, XX/XX/2024, I returned for a second wash and followed the same procedure. When the transactions posted to my account on XX/XX/2024, both charges were {$15.00} each. I successfully disputed XXXX of the transactions, but the bank denied the XXXX  one, and I'm waiting for an explanation. I tried to contact the merchant, but the phone just rings and goes to a fax machine. Reviews online show that this overcharging issue has been ongoing for XXXX  years, and the merchant does nothing to address it. It seems to be a fraudulent practice that no one is stopping.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Debt Collection Overview for {$770.00} Total Amount : {$770.00} 1. Identify the Debt Creditor : [ Name of creditor or collection agency ] Original Creditor : [ If applicable, the original lender or service provider ] Due Date : [ When was it due? ] Account Number : [ Your account number with the creditor ] 2. Understanding Your Options Payment in Full : If you can afford it, paying the full amount may resolve the debt quickly. 
Payment Plan : Contact the creditor to negotiate a monthly payment plan. 
Settlement : Sometimes you can settle for less than the full amount if you can pay a lump sum upfront. 
3. Gather Your Information Financial Situation : Assess your income and expenses to determine how much you can afford to pay. 
Documentation : Keep all correspondence related to the debt, including letters and phone records. 
4. Contact the Creditor Call or Write : Reach out to the creditor to discuss the debt.

Negotiate Terms : Be honest about your financial situation and propose a reasonable payment plan.

5. Make Payments Choose a Payment Method : Decide whether youll pay online, by check, or another method.

Track Payments : Keep records of each payment made.

6. Monitor Your Credit Check Credit Reports : After settling the debt, check your credit report to ensure it reflects the payment accurately. 
Example Payment Plan If you choose a payment plan, heres an example : Total Debt : {$770.00} Proposed Monthly Payment : {$100.00} Duration : 8 months Total Paid After 8 Months : {$800.00} ( including potential fees ) Final Notes Stay Communicative : Keep in touch with the creditor if you encounter difficulties. 
Know Your Rights : Familiarize yourself with consumer rights regarding debt collection in your area. At 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 2024-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: KS

Complaint narrative:
I applied for and received a loan from Service Finance Company , LLC for home improvement. The Welcome Letter for the company stated that the company has a portal which allows real time access to my account. 

I have attempted to sign up for this portal each day for the last XXXX weeks. The portal signup has been unavailable. I have called customer support 3 times, and while they were helpful ( and did offer take payment ), they assured me that the site registration would be available within the next few days each time, which it was not.

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 2024-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Earlier this month after finding out our Lowes Home Improvement credit card had expired due to non use we went to the local Lowes to reapply only to find our that in store you can only apply if you have a smart phone. We do not we are XXXX  and do not have the finances to afford one and have opted out of having that just a land line, XXXX XXXX XXXX. The store personnel were amused at that and we were made to feel that at that point were were being discriminated against just due to our choice and being XXXX. We do have a computer at home and applied on line only to be denied because our credit reports were locked. I unlocked them and reapplied only to be denied because Synchrony Bank, the card supplier to Lowes, said they " were unsure of my identity '' My wife and I believe that Synchrony Bank denied us because we do not have a smart phone, XXXX  with excellent credit and that we elected for them not to sell our information to another lender so we could get a card. On their application they say if they can not get you a card they would " give '', we believe sell, our information to another lender so we could get the credit card. We opted out of that thus no credit for us. For those actions listed above we feel that we, and sure many others like us, are being denied fair credit. We have excellent credit and are debit free, guess they did not like that either, always pay our current credit card off each month. Their + % XXXX fee for late payment would not apply to us, bet they did not like that either. Lowes Home Improvment has my identity as a veteran yet denies involvement with this bank and any responsibility with credit even though their name is allover the card. What a racket of denial. Please look into this discriminatory Bank & relationships with each.

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 2024-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have tried multiple times over the last 5 years to separate my spousal joint consolidation loan that was taken out in 2002 for {$49000.00}. My current balance after 22 years is still {$36000.00}! This loan has been sold multiple times and the interest has been piling up! My husband and I have both been public servants for over 30 years and we can't qualify for the XXXX because a spousal loan is continuously denied being consolidated into a direct loan so we can apply for the XXXX. This loan is not estimated to be paid off in XXXX!!!!! I will be XXXX XXXX XXXX and still paying on my loans! CRIMINAL!!! Please help! I don't know what to do. I have called, applied, cried, been completely stressed out, depressed, and paid loan help agencies and have had no luck! I am now paying for my own children to go to college while still paying off my loans so I can be a public servant!!! 31 years of service and I can't get this stupid ball and chain off of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: OK

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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: SC

Complaint narrative:
I disputed the information on my credit and received a credit report informing me that the incorrect information listed on my credit report was corrected and deleted along with the inquiries. My information was compromised by XXXX XXXX XXXX  information leak. I have been fighting strenuously to get the information corrected while XXXX XXXX XXXX XXXX. I DO NOT NEED THE EXTRA STRESS! After I was notified by XXXX that the information was deleted, my credit score DECREASED substantially!!! They deleted 2 major items on my credit along with a lot of inquires and it went down almost 100 points. It's not making sense!! My credit score should've definitely increased!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: SC

Complaint narrative:
I disputed the information on my credit and received a credit report informing me that the incorrect information listed on my credit report was corrected and deleted along with the inquiries. My information was compromised by XXXX XXXX XXXX information leak. I have been fighting strenuously to get the information corrected while XXXX XXXX XXXX XXXXXXXX. I DO NOT NEED THE EXTRA STRESS! After I was notified by XXXX that the information was deleted, my credit score DECREASED substantially!!! They deleted 2 major items on my credit along with a lot of inquires and it went down almost 100 points. It's not making sense!! My credit score should've definitely increased!!!

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, my report has credit inquiries which I don't recognize nor applied to, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.

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 2024-09-23 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: RI

Complaint narrative:
I recently reviewed a copy of my report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-09-23 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I recently reviewed a copy of my report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2024-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
A proximally on XXXX XXXX around XXXX AM i withdrew {$630.00} from my bank account into my XXXX XXXX account not realizing that the {$630.00} was my mortgage payment so this action caused my bank account to be overdrawn a negative {$550.00} after i saw my account negativity i proceed to a local branch to resolve this issue and asked a teller to remove funds from my cash app card account I was told it couldn't be done within the branch I would have to go to the ATM to withdraw funds to cover the amount overdrawn i decided to go another direction on this same day XXXX XXXX around XXXX AM I decided to withdraw XXXX from my cash app account electronically to deposit into my bank account and that was done however XXXX XXXX has a transfer fee of {$13.00} to which {$730.00} was electronically deposited into my bank to cover my overdraft of XXXX and out of the XXXX that was deposited the XXXX was deposited back alone with a positive amount of {$180.00} $ XXXX $ XXXX XXXX my account was covered so my account was positive XXXX on XXXX XXXX XXXX AM I withdrew {$200.00} amount from my bank account out of the XXXX which should have put me in a negative {$18.00} and this reflex my XXXX XXXX account my bank processed another {$630.00} transfer to my XXXX XXXX account that is not posted on my XXXX XXXX  account but posted on my bank account that is incorrect

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