vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLSTATE LENDING GROUP, INC
State: MT

Complaint narrative:
XX/XX/year> I paid for my insurance coverage for the next billing cycle ( {$230.00} ) ending XX/XX/year>. 
I cancelled my service with them XX/XX/XXXX, XXXXbefore my next billing cycle on XX/XX/year> Received a collection notice several months later for {$110.00}. 
Submitted dispute with copy of cancellation letter, proof of new coverage starting XX/XX/XXXX, and of my payment going through for the final billing cycle. 
Collection agency on behalf of Allstate says it was rejected due to adjustments, but unable to clarify what these were and that I would need to discuss with Allstate.

Contacted Allstate several times who say I must deal with the collection agency. 
After several back and forth attempts Allstate customer service says they will do a billing history breakdown and history request, and that they have no way of possibly connecting me to the billing department. 
Multiple times they send me an email saying they have looked in to my request, but are unable to reach me over the phone, without any call attempt, and that I must contact customer service again. 
Repeatedly telling me via chat and over phone they can not provide any information on my account due to it being terminated. 
Customer service again says they can not connect me with billing department but must submit another request. 
They say to retry reaching them through chat, phone, and email which as you can see above cant not/will not help. They mentioned reaching out via email, but the email says it is unmonitored and to reach them through chat/phone. 
In the end they are not providing me any breakdown/proof of a debt owned after countless attempts to do so. 
Would like for them to provide this proof or remove my debt from my credit report on the three major credit reporting agencies

Company response to consumer: Untimely response
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I opened both a checking and savings account this morning, via online. I funded both accounts. Now, I cant access either account either online or via banking app.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof including certified copies of both the contracts and supporting tax documents. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information.

I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: GA

Complaint narrative:
My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof including certified copies of both the contracts and supporting tax documents. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. 
I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.

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 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Applied for, was accepted for and ordered a specific Citi XXXX online with a specific XXXX XXXX promotional offer. 
Received an entirely different card with a lesser promotional offer. 
Called customer service and was told to email the details to XXXX. 
Did so, waited XXXX business days, received no response. 
Contacted customer service again via chat and email. No response. 
Being totally ignored now. 
Bait and switch - ordered one thing, received another and now... crickets.

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 2024-10-25 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: TX

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft as a result of a data breach. I discovered that an account with the following details was fraudulently opened in my name without my knowledge or consent : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2015 Amount : {$00.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed an account listed on my credit reports for an alledged collection/charge off. The information across all 3 of my credit reports is mismatched to included different dates of first delinquency, some listing late payments on alledged collection account of 120 days, some listing a past due balance as well as a term limit. The information on all 3 reports are inconsistent. I also requested the Meathod if of investigation and any documents used to verify. All 3 just answered with information verified. How can this be when all are reporting different information and dates.

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 2024-10-25 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: MD

Complaint narrative:
I have disputed an account listed on my credit reports for an alledged collection/charge off. The information across all 3 of my credit reports is mismatched to included different dates of first delinquency, some listing late payments on alledged collection account of 120 days, some listing a past due balance as well as a term limit. The information on all 3 reports are inconsistent. I also requested the Meathod if of investigation and any documents used to verify. All 3 just answered with information verified. How can this be when all are reporting different information and dates.

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 2024-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MT

Complaint narrative:
XX/XX/year> I paid for my insurance coverage for the next billing cycle ( {$230.00} ) ending XX/XX/year>. 
I cancelled my service with them XX/XX/XXXX, XXXX my next billing cycle on XX/XX/year> Received a collection notice several months later for {$110.00}. 
Submitted dispute with copy of cancellation letter, proof of new coverage starting XX/XX/XXXX, and of my payment going through for the final billing cycle. 
Collection agency on behalf of XXXX says it was rejected due to adjustments, but unable to clarify what these were and that I would need to discuss with XXXX. 
Contacted XXXX several times who say I must deal with the collection agency. 
After several back and forth attempts XXXX customer service says they will do a billing history breakdown and history request, and that they have no way of possibly connecting me to the billing department. 
Multiple times they send me an email saying they have looked in to my request, but are unable to reach me over the phone, without any call attempt, and that I must contact customer service again. 
Repeatedly telling me via chat and over phone they can not provide any information on my account due to it being terminated. 
Customer service again says they can not connect me with billing department but must submit another request. 
They say to retry reaching them through chat, phone, and email which as you can see above cant not/will not help. They mentioned reaching out via email, but the email says it is unmonitored and to reach them through chat/phone. 
In the end they are not providing me any breakdown/proof of a debt owned after countless attempts to do so. 
Would like for them to provide this proof or remove my debt from my credit report on the three major credit reporting agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: LEXISNEXIS
State: AL

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 non-monetary relief
Consumer complaint received 2024-10-25 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-10-25 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: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX This has cause me great anxiety, stress, and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: LA

Complaint narrative:
I am writing to request the blocking and deletion of the accounts and inquiries listed below. As a victim of a recent data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my credit report from any fraudulent activity resulting from this incident. 
Accounts to be Blocked and Deleted : XXXX XXXX  - XXXX - XX/XX/XXXX - {$4100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$4300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$17000.00} XXXX  - XXXX - XX/XX/XXXX - {$17000.00} Inquiries to be Blocked and Deleted : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

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 2024-10-25 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 non-monetary relief
Consumer complaint received 2024-10-25 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: Nelnet, Inc.
State: NY

Complaint narrative:
A student loan was taken out in my name without my permission. I found out when I received a bill in the mail in 2019 I went up to the school show my ID did my signature signing did an affidavit and reported it. I sent them everything they asked for and still having the runaround. With these people going on fire years is sad. I did a police report and all and they keep sending me the same paper to fill out to send back to them. Im not about to keep doing that they have all the information and now they asked me for my Social Security number. Dont feel safe give them my Social Security number. They never had it in the first place so they not gon na have it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD bank had violated FDCPA on multiple occasions, at one point I have received over 11 calls in 7 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: PA

Complaint narrative:
Several months ago my credit info was stolen, so I froze my credit with Experian, XXXX and XXXX. Today ( XX/XX/year> ) I wanted to apply for a new credit card from XXXX and needed to thaw my Experian credit freeze. I tried calling Experian 's customer number XXXX. The robotic assistant needed a PIN, which I do not have. I attempted to enter the confirmation # I received but the system would not take that. When I tried to get the PIN I was advised that the phone number I used was incorrect. I have only one phone number. I am not able to reach a human at Experian using the posted Customer Service number, XXXX. I am unable to verify my profile information and unable to thaw my credit. 

I am EXTREMELY frustrated. All I am trying to do is to provide the correct information and briefly thaw my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: IL

Complaint narrative:
My account was initially set up as a central billing account which i did not want. I requested to have this removed which they did. They did not inform me that in removing the central billing account, all the rewards would be lost. In addition, I had no way of using the rewards since I earned majority of them during the account switch.

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 monetary relief
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation