vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My Raymour & Flanigan Account with TD Bank is inaccurately reporting a late payment from XX/XX/2020, and it is negatively affecting my credit report. I have stellar payment history with TD Bank, and I didn't miss the payment. The late payment needs to be changed to reflect the accurate status of paid as agreed. TD Bank said I needed to contact the CRAs, but the CRAs won't change it, as TD Bank is the furnisher of the credit. I have sent certified letters to both TD Bank and the CRAs to correct this, as well as called them both. The XXXX time I called TD Bank, I was told that the CRAs have to correct this, because TD Bank 's records only go back 12 months, which can not be true. When I asked to speak to a supervisor, I was told to go to XXXX and submit a request. The only option there was to email them, which I have done, and have not heard back. 
Please change the late payment to reflect the accurate status of paid as agreed. 
Thank You. 
Without Prejudice, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
XXXX XXXX letters from XX/XX/XXXX stating they were XXXX XXXX XXXX XXXX different debits. XXXX debit was listed as XXXX XXXX account ending XXXX for a total of {$9000.00} for an alleged debit from on or before XX/XX/year> of {$4000.00} from XXXX XXXXXX/XX/XXXXXX/XX/XXXX. The debit was listed as XXXX XXXX account ending XXXX a total of {$1000.00} for an alleged debit from on or before XX/XX/year> of {$480.00} from XXXX XXXX XX/XX/XXXX 
XXXX ) have absolutely never had a XXXX XXXXXX/XX/XXXX 
XXXX ) these XXXX alleged accounts are well over XXXX yrs old. 
XXXX ) and I question that they claim XXXX accounts with XXXX different names.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: NC

Complaint narrative:
Upon reviewing my credit report, I observed inaccuracies in the listed accounts that need to be reported and corrected by your company.

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 2024-05-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
XX/XX/XXXXXX/XX/XXXXXXXX keeps sending me emails and that was over XXXX XXXX XXXX. XX/XX/XXXXXXXX keeps sending me mail and it was over XXXX XXXX XXXX. Affirm keeps sending me emails and that was over XXXX XXXX XXXX ; XXXXXX/XX/XXXX was a credit repair card and it still charging me {$70.00} I sent them a dispute XXXX times they never reported to my credit bureau that I sent them a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: NM

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XX/XX/XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress,XX/XX/XXXX emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XX/XX/XXXXwebsite, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
An Apple Card user since the very beginning, I haven't had problems until recently on XX/XX/scrub> 2024, I called to renew XXXX disputes that had previously been filed with Apple Card Goldman Sachs. The representative refiled these with the wrong amounts, but also, unlike the previous dozens of disputes I've filed over the years, did so in a way that blocked me from access my account. 

So now I am now longer able use my Apple Card, which is really a pain as I'm living aboard. The company refuses to reactivate my card because I do not have a United States phone number. 

Moreover, I can not make payments or check balances because somehow the Apple Card is removed from my XXXX app on my XXXX. So now I am having difficulty just LIVING as the Apple Card is my tool for paying for everything. 

I believe the company may be in violation of, at minimum the Truth in Lending Act. 

My email for the account is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo bank claims that My checking and savings account was closed in XX/XX/XXXX by them, but I closed my account. Now theyre trying to accuse me of owing them over {$400.00} in overdraft! From three years ago! Theyre also telling me that they charged my account off and they closed my account and thats not true. I tried to tell them that my identity was stolen in XXXX and again recently, but I was able to retrieve everything. This could be another indication of that but see Wells Fargo just wants their money so theyre not doing what Ive requested. Ive put in several Complaints and to have them investigate and they wont do anything, but keep sending me a bill for money. They think I owe them which I dont and I will never pay it by the 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have noticed several accounts on my credit report that I do not recognize, which appear to be the result of identity theft. I did not authorize these accounts. I previously reported this issue, but it remains unresolved. 

I am requesting that these unauthorized accounts be removed from my credit report immediately. Their presence is causing significant stress and does not reflect my actual credit history or financial responsibilities. 

If this matter is not resolved promptly, I will consider taking legal action to protect my rights. These incorrect items are hindering my ability to achieve important financial goals, such as purchasing a home and providing for my family. 

I hope we can resolve this issue quickly. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have noticed several accounts on my credit report that I do not recognize, which appear to be the result of identity theft. I did not authorize these accounts. I previously reported this issue, but it remains unresolved. 

I am requesting that these unauthorized accounts be removed from my credit report immediately. Their presence is causing significant stress and does not reflect my actual credit history or financial responsibilities. 

If this matter is not resolved promptly, I will consider taking legal action to protect my rights. These incorrect items are hindering my ability to achieve important financial goals, such as purchasing a home and providing for my family. 

I hope we can resolve this issue quickly. 

Thank you for your prompt attention to this matter.

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 2024-05-23 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: MN

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 inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
The cable was set up in another person house using my social security. I called the cable provider and ask them for the bill portioning to these changes and never got provided with it. I called cable company about over 5 years ago to dispute charges because it wasnt what I owed. I returned the equipment and this is still on 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 2024-05-23 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: GA

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!

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 2024-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against ALDOUS AND ASSOCIATES Collection Agency regarding their collection practices in relation to my account with them, identified by account number XXXXAfter looking at my credit report, I see that ALDOUS AND ASSOCIATES Collection Agency has been violating my rights as a consumer under various provisions of federal regulations and statutes. 
Specifically, ALDOUS AND ASSOCIATES Collection Agency is in violation of the following regulations and statutes : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This regulation outlines requirements for debt collectors in providing validation of debts. ALDOUS AND ASSOCIATES Collection Agency has failed to provide proper validation of the debts associated with my accounts as required by this regulation.

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation pertains to the provision of written notice by debt collectors. ALDOUS AND ASSOCIATES Collection Agency has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation.

3. **12 CFR 1006.34 ( d ) ** : This regulation addresses the timing of validation of debts. ALDOUS AND ASSOCIATES Collection Agency has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation.

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This statute concerns the rights of consumers in relation to their credit information. 

ALDOUS AND ASSOCIATES Collection Agency 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit. I demand that ALDOUS AND ASSOCIATES Collection Agency cease all collection activities related to my accounts and delete the reporting of the accounts to the credit bureaus.

Furthermore, if ALDOUS AND ASSOCIATES Collection Agency believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against ALDOUS AND ASSOCIATES Collection Agency for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Upon viewing my most recent consumer report, I saw XX/XX/XXXX that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XX/XX/XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-05-23 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: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate information that has been reported on my credit report by XXXX XXXX. Despite my efforts to resolve this issue directly with the credit bureau ( s ) and XXXX XXXX, the inaccuracies remain uncorrected and are adversely affecting my credit standing. 

The inaccuracy on my credit report is as follows : 1. An account from XXXX XXXX, account number XXXX, is incorrectly reported as delinquent for XX/XX/year>. 

I have contacted Equifax and XXXX XXXX multiple times, providing them with documentation that clearly supports my claim that the information is incorrect. Despite this, the disputed information remains unchanged on my credit report. The steps I have taken to resolve this issue include : - I have submitted documentation every month since XX/XX/year> to both the credit bureau and XXXX XXXX to correct this error. 

Enclosed with this complaint are copies of my correspondence with the credit bureau and XXXX XXXX, as well as copies of the documentation that I provided to support my dispute. 

The continued presence of this inaccurate information on my credit report is causing significant harm to my credit rating and financial wellbeing. I respectfully request that the CFPB intervene in this matter to ensure that the erroneous information is corrected promptly. 

Thank you for your attention to this matter. I look forward to your prompt resolution of my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation