vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Back in XX/XX/XXXX they had a promo for opening a saving and deposit $ XXXX by XX/XX/XXXX and keep it till XX/XX/XXXX to get {$150.00} for every $ XXXX. I completed all the steps but have yet to receive my {$750.00}. On XX/XX/XXXX i noticed some people who did the same promo got their promo so I message an agent and they said to wait for the 60 days paid period and today is the 61 day and still no promo bonus.

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 2024-07-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-07-01 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: CT

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 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 2024-07-01 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: AL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-07-01 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: AL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have been using this card for years with no problem. Normally, when I make a payment, it is credited immediately if not immediately within a few minutes, and if not within a few minutes within a few hours. Recently, I made a payment in the credit card company didn't credit my account. The next day, I called and they said there was a hold on the payment. They couldn't tell me why. I have called three times now and talked to three separate people and they all see the payment has been received and they can't release the hold. Furthermore, they can not contact anyone within their company that can release the hold. The funds were taken from my checking account the following day after I made the payment, so there's no concern from the credit card company 's perspective that there are insufficient funds in my account to cover the payment. They've already received the funds, and the funds have already been removed from my checking account, and still, they will not credit my credit card balance. This has resulted in 2 automatic monthly charges to my credit card to be bounced.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments on my credit report for my XXXX XXXX account. The details of the account are as follows : Creditor Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), this account has violated my federally protected consumer rights to privacy and confidentiality under multiple sections of 15 USC 1681 : 1. 15 USC 1681 Section 602 ( a ) : This section explicitly states that I have the right to privacy concerning my credit information.

2. 15 USC 1681 Section 604 ( a ) ( 2 ) : This section mandates that a consumer reporting agency can not furnish an account without my written instructions, which I did not provide for the reporting of these late payments.

3. 15 USC 1681c ( a ) ( 5 ) : This section prohibits any consumer reporting agency from making a report containing adverse information that is more than seven years old. The late payments reported on my account are outdated and should no longer appear on my credit report.

4. 15 USC 1681s-2 ( a ) ( 1 ) : This section states that 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. XXXX XXXX has reported inaccurate information regarding my payment history. 
The incorrect reporting of these late payments violates my rights under these federal statutes. Therefore, I request that Equifax immediately investigate this matter, delete the incorrect information from my credit report, and provide written confirmation once the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Additional information regarding Macy 's Fraud that occurred on credit card XXXX and XXXX. Received statement for account ending XXXX with a balance of {$1400.00} on XX/XX/XXXX which was fraudulent activity that was reported on XXXX. The balance of the account was in regards to fraud that occurred and some of the merchandise came to my house. Macy 's provided return labels for those items. Contacted Macy 's to validate they received back all items and the account was {$0.00}. They indicated the balance was negative and would be sending a check in the mail. Balance would be {$0.00}. Received credit check and deposited it. On XX/XX/XXXX a statement is sent in the mail with a balance of {$660.00}. 
Contacted Macy 's they indicated purchases occurred on account XXXX on XX/XX/XXXX. Account was closed on XX/XX/XXXX. Representative indicated a special ticket would be opened to credit the balance on the account. It would take a month but the balance would be XXXX. My credit report is showing I am past due on payments due to the fraud activity and the errors made by Macy 's. Please ensure my credit report is fixed.

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 2024-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have already filed a report against this company with you and I will follow up today with the attorney generals office. Midland Credit Management has been notified via certified mail from my family in Rhode Island ( with return receipt ) and by me ( through you and other reports ) that they are sending mail belonging to me to my family 's home in XXXX XXXX when I have repeatedly given them my address in XXXX XXXX 

At this point, the reports are to document the harassment and their direct flouting of the laws established by the Fair Debt Collection Practices Act. I am documenting this as I pursue the possibility of a lawsuit against them now as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: FL

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete 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 non-monetary relief
Consumer complaint received 2024-07-01 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: PA

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 reported in ( MONTHS REPORTING LATE ) to be removed. 

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. 


( XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section XXXX ( 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Received a notice that my account was past due. However, I never received a notice that the account had a balance due. This is clearly a scam to charge interest and excessive late charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-01 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: GA

Complaint narrative:
In XX/XX/XXXX I reviewed my credit reports and noticed that there were inaccurate accounts listed. I have asked for the reporting agency to remove and then came back stating that the accounts were verified however the bureaus never sent me any documents showing how these reports were verified. After sending FTC reports I only received a letter stating it was updated. But no information on what was updated. I am asking over and over for this information but no one is sending me this as requested. I have contacted the creditors over the past 7 months and no response. The following credit cards are listed on my credit reports and are inaccurate and I am requesting that they be removed immediately. 

XXXX XXXX  {$10000.00} balance XXXX XXXX  {$15000.00} balance XXXX {$2000.00} balance XXXX {$0.00} balance Inquiries listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-07-01 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: GA

Complaint narrative:
In XX/XX/XXXX I reviewed my credit reports and noticed that there were inaccurate accounts listed. I have asked for the reporting agency to remove and then came back stating that the accounts were verified however the bureaus never sent me any documents showing how these reports were verified. After sending FTC reports I only received a letter stating it was updated. But no information on what was updated. I am asking over and over for this information but no one is sending me this as requested. I have contacted the creditors over the past 7 months and no response. The following credit cards are listed on my credit reports and are inaccurate and I am requesting that they be removed immediately. 

XXXX XXXX  {$10000.00} balance XXXX XXXX  {$15000.00} balance XXXX {$2000.00} balance XXXX {$0.00} balance Inquiries listed XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2024-07-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records 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 non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I am a mortgage lender that pulls credit on my clients that contact me for their requests. 
The constant badgering of outside mortgage companies that contact our clients constantly with numerous calls a day is out of control. This practice of selling our client 's confidential information that the credit bureau is given should be illegal and should be considered the same as the medical industry 's violation of HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
My account was initially blocked XXXX XXXX apparently as a result of my trying to use an app that did not perform properly. After numerous calls to the bank from XXXX where I am currently residing the account was unblocked so I can at least view my on line accounts. However I still unable to transfer money between the several accounts I have with them. I need to transfer money in order to pay my bills. Note that I have been making these transfers for the past 20 years with no problem. 

There attitude is completely unacceptable. I was bounced from Customer Services, Security ( Fraud ) Department and the Local Branch. The branch was cooperative but ineffective. The other two departments showed no interest in the fact I was out of the country and needed quick resolution to pay my bills. 

They need to review several things : XXXX. Trying to transfer money by XXXX does not work if the XXXX account is registered with another bank. The account registration is for RECEIVING not SENDING.

2. The algorithm for detecting fraud should not lock an account when the problem is repeated tries to use a bank system that doesn't work. ( See XXXX above ) XXXX. There should be a means for customers to identify themselves other than going to the branch. That obviously doesn't work for people out of the country. Fortunately I knew the people at the branch well and with much effort they helped identify me. 

XXXX. Customer Service and Security should better equipped to handle customers out of the country. They should at least appear to care about customers. 

XXXX. " Reviews '' shouldn't take 90 days. A cursory review by a human being would show that the transactions being blocked were routine. I have been making the same transfers every month for the last 20 years, both from the XXXX and from 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