vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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: CA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The account has been continuously reporting which is reading the account. That is illegal. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX. In accordance with The Fair Credit Reprorting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: CA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The account has been continuously reporting which is reading the account. That is illegal. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX. In accordance with The Fair Credit Reprorting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: TN

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: CO

Complaint narrative:
I disputed these accounts in the past with the Consumer Reporting Agencies and I am no longer disputing these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: CO

Complaint narrative:
I disputed these accounts in the past with the Consumer Reporting Agencies and I am no longer disputing these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
As a federally consumer protected under the Fair Credit Reporting Act ( FCRA ), I am formally exercising my right to opt out of any and all authorizations, whether expressed in writing, verbally, or otherwise, as provided for by 15 USC 6802 under 16 CFR Part 313.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: VA

Complaint narrative:
Equifax and XXXX both have failed to respond to disputes timely. I submitted written disputes for collections. These items are inaccurately and incorrectly being reported. I want all errors to be corrected by immediate deletion and discharge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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:
I disputed these accounts in the past with the Consumer Reporting Agencies and I am no longer disputing these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: TX

Complaint narrative:
I disputed these accounts in the past with the Consumer Reporting Agencies and I am no longer disputing these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: SD

Complaint narrative:
On XX/XX/XXXX I spent XXXX hours and XXXX minutes on the phone with Mohela asking about the status of my XXXX application for discharge. I was told that my payments only amount to XXXX. 
Mohela put me on a forbearance without consulting me XXXX of XXXX and told me this would not affect my payment count, that these months would count towards my XXXX months & payments of service. They asked I give them 60 days to update my payment counts, then I would need to resubmit my application to be considered for discharge, and I could do that as soon as my payment count " on their website '' officially reflects XXXX payments. They said they needed to " send me to another department to talk about the month count '' I was never successfully connected ; the call was cut off. 
On XX/XX/XXXX, I called again. This time I called at XXXX XXXX and was connected after a much shorter hold. I reported to them the whole thing that had happened the XXXX of XXXX, and asked I be connected to the department the representative the night before was attempting to connect me to. They told me it was not necessary, they just needed 60 days, I can re-apply, and would qualify this time, because they again said those months would count. 
Here I am, the XXXX XXXX XXXXXXXX, my husband having received the email from President Biden last week that he is within 2 years of forgiveness, and I did not receive the notice of forgiveness, NOR the notice that I am within 2 years. 
Instead, I get daily emails from both Mohela and the department of Ed that I " may be past due on a payment ''. I am up-to-date on payments and do not have another ( unjustly billed ) payment due until XX/XX/XXXX. 
I feel like Mohela ( and I guess the Department of Education, since they are taking over- oh, and I get to keep having to pay all summer ) is going to give me the run around until the end of time. 
I am a XXXX  employee at an agency that I adore. I have been doing this work. I will continue to do this work. I don't know why they can't hold up their end of the bargain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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:
I'd like to notify you that Im still seeing the same and repeated incorrect accounts on my credit report.

So many disparity on the reports reported by the credit reporting agencies. There haven't been any updates provided on my account and I find it confusing why they have different evaluation and result of verification despite getting this information from one creditor or furnisher of information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened to bank account for my companies. XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX. They gave me a debt card and then closed my account without any warning. And now trying up our company funds over {$3500.00}

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 explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX, Credit Acceptance transferred the XXXX XXXX into their name as a repossession. However, prior to that Credit Acceptance accepted payment and returned the vehicle. Thereafter, Credit Acceptance refused to reissue a new title making the vehicle unable to be registered. No further payments were made and Credit Acceptance refused to pick up THEIR vehicle and it stayed on public storage until XX/XX/XXXX. When the property was sold ( location of vehicle ) the Sheriffs Office was notified and an abandoned vehicle report was filed. Credit Acceptance was noticed for auction and served twice and never expressed interest in the vehicle. Finally, the vehicle sold at auction in XXXX of XXXX. However, Credit Acceptance continues, and for the last seven years, reports the vehicle 180 days late. Purposely, harming 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 2024-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  XXXX XX/XX/2024. 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir/Madam, I am writing to file a complaint against the debt collection agency TrueAccord Corp ( XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX for repeated violations of the Fair Debt Collection Practices Act, as well as other state and federal consumer protection laws. 
TrueAccord has persisted in attempts to collect a debt from me that was previously paid in full over 7 years ago to another collection firm. Despite my efforts to explain the debt is not owed and demand they cease communications ; they have continued to harass me. 
This unlawful collection attempt has caused me significant emotional distress, anxiety, anger, and wasted time and energy dealing with their fraudulent claims. TrueAccord failed to conduct basic due diligence to validate the debt before pursuing collections, which represents an unconscionable violation of my rights as a consumer. 
Under the FDCPA and other relevant statutes, I am entitled to pursue maximum statutory damages allowed per violation, as well as actual and punitive damages. I have retained legal counsel and intend to sue TrueAccord for the maximum damages possible if this egregious harassment continues. 
I respectfully request the CFPB investigate TrueAccord 's actions and take appropriate enforcement measures. Debt collectors can not be allowed to flagrantly violate the law for profit at the expense of consumers ' rights and emotional well-being. I have included documentation of their unlawful collection notices. 
Thank you for your attention to this serious matter. I look forward to your response and action to hold TrueAccord accountable. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: MD

Complaint narrative:
I had XXXX services and over a year ago I changed my package from Cable, Internet, and Phone to Internet only. I was quoted a contractual price of XXXX per month for XXXX internet and a flex box. I was never charged the agreed upon price it was always higher, I called to complain and also complain about the internet connection and was told I needed the white router ( never mentioned it was higher ). The white router did not solve the issue and XXXX sent a technician in which he set up the a new router and took the old. That is one issue - equipment I do not have. 
The second issue was always being charged between XXXX and XXXX a month. XXXX also by the way charges 1 month a head of time. I had set up payment arrangements for XX/XX/XXXX when you do this you have to pay all previous balance. I paid XXXX which was for 2 months. Of course this rate is still not XXXX they have never charged the agreed upon amount. XXXX I was disconnected and advised I dont want to reconnect. They said I owed XXXX. I advised when they correct the bill I will pay it ; also I turned in my equipment and advised again I the technician took the old router. They are still charging me the incorrect amount of XXXX. This is an incorrect amount and I was never charged the correct amount. I should not be charged for equipment that the tech took as I turned in the XXXX devices I had and was still advised to call back XXXX again so they can send a signal to a device I don't have. Why do I have to keep teliing them the same thing. Why can they not just send the signal to see I do not have it. I do not believe I owe XXXX anything as this company charges you a month ahead of time for services. Also, they never stuck to the contract that we agreed upon and I was overcharged each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: NY

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation.I would like this item immediately re-investigated.The inaccuracies are highly injurious to my credit score Account name XXXX Account number XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
A formal report regarding fraud was submitted to USAA Bank, including comprehensive details. Additionally, a follow-up call was placed within the same week to inform them of incoming calls from individuals who had taken our funds. However, rather than recording the information provided, USAA sent a letter declining to refund our money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: SC

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. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: SC

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. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-04-08 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: SC

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. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I loss my information about a year ago and just got everything back again, I been getting hard inquiries but I dont know what to do about them, and now its giving problems with my banking situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: MD

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp.
State: IA

Complaint narrative:
I used the corporation SIGUE to send money to XXXX and the money was never available to get out The transaction date is XX/XX/23 at XXXX XXXX Amount of {$150.00} Transaction number XXXX Confirmation number XXXX Customer services does not answer, all I want is my refund

Company response to consumer: Closed with explanation