vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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: SC

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-10 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: PA

Complaint narrative:
Despite my repeated efforts to address the fraudulent, incorrect, and misleading information on my credit report, the issue persists. The presence of these items has severely impacted my life, causing significant distress and XXXX. It is important to emphasize that I did not authorize or consent to this information being associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX regarding their failure to address and investigate inaccuracies in reporting on my Equifax credit report. On XX/XX/XXXX, I sent a dispute letter to XXXX XXXX, requesting an investigation into the inaccurate reporting of an account that appears on my Equifax credit report. 

The account in question was included in a Bankruptcy Discharge and should not be reporting negatively. From the payment history all payments made from XX/XX/XXXX to XX/XX/XXXX were consistently on time. Despite this, XXXX XXXX has continuously reporting this account negatively on my Equifax credit report. 

In my dispute letter, I explicitly requested XXXX XXXX to provide specific details pertaining to the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, to date, I have not received any response from XXXX XXXX. 

XXXX XXXX 's refusal to investigate this account and provide the requested information is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and expect prompt investigation and resolution from the credit reporting agencies and the furnishing institutions. 

I have made diligent efforts to resolve this matter directly with XXXX XXXX, but their lack of response and failure to address the inaccuracies have left me with no choice but to escalate this issue to the CFPB for further investigation and resolution. I respectfully request that the CFPB intervene in this matter, conduct a thorough investigation into XXXX XXXX XXXX handling of my dispute, and take appropriate action to ensure compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United Consumer Finance, Inc.
State: CT

Complaint narrative:
I am writing to file a complaint against United Consumer Finance regarding their unfair and deceptive debt collection practices. United Consumer Finance has been blocking my account prior to it being 60 days late, preventing me from making any payments to clear a repossession note on my car. In particular, a representative named XXXX at United has refused to allow payments of any amount unless they are made in full, even when the car is only 30 days behind and can not legally be repossessed or charged additional fees. This action goes against the terms of the contract I signed with United, as there is no provision stating that payments must be made in full or that the account can be blocked in this manner. I believe this practice is unjust and violates my rights as a consumer. I urge you to investigate this matter and take appropriate action against United Consumer Finance to ensure that they comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: LA

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Money Lion has over XXXX XXXX of my money on hold. They said they would return it to the originator but never did. That money belongs to me and they need to return those funds. I need the governments help to get my money back. I can no longer contact them or access my account or funds. This happened sometime last year. I want them to send me a check for those remaining funds.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: NJ

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This XXXXXXXX XXXX account has been ILLEGALLY RE-AGED. This account is too old to be on my credit report and needs to be deleted. The date of delinquency far exceeds the 7 year window and I have not communicated, contacted or made ANY arrangement with XXXX XXXX  to pay any portion of the debt that was charged off since the date of delinquency began. This account was opened more than 11 years ago and I have not made a payment on that account since that time. My credit report shows the last payment made as XX/XX/XXXX. In actuality, I HAVE NOT made any payments after XX/XX/XXXX. I have not had access to this account/credit since XXXX as well, The FCRA states that civil suits, civil judgments, paid tax liens, accounts placed for collection, and records of arrest can only appear for 7 years. Unless XXXX XXXX can prove that the date of delinquency began prior to the SEVEN YEAR window closing ( after XX/XX/XXXX ) and/or can prove that I made a payment on XX/XX/XXXX, I demand that this line/account be deleted and removed from my credit report. If this account is not COMPLETELY deleted from my credit report, I will take LEGAL FEDERAL ACTION for every falsely reported discrepancy on my credit report from XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This XXXX XXXX  account has been ILLEGALLY RE-AGED. This account is too old to be on my credit report and needs to be deleted. The date of delinquency far exceeds the 7 year window and I have not communicated, contacted or made ANY arrangement with XXXXXXXX XXXX to pay any portion of the debt that was charged off since the date of delinquency began. This account was opened more than 11 years ago and I have not made a payment on that account since that time. My credit report shows the last payment made as XX/XX/XXXX. In actuality, I HAVE NOT made any payments after XX/XX/XXXX. I have not had access to this account/credit since XXXX as well, The FCRA states that civil suits, civil judgments, paid tax liens, accounts placed for collection, and records of arrest can only appear for 7 years. Unless XXXX XXXX can prove that the date of delinquency began prior to the XXXX YEAR window closing ( after XX/XX/XXXX ) and/or can prove that I made a payment on XX/XX/XXXX, I demand that this line/account be deleted and removed from my credit report. If this account is not COMPLETELY deleted from my credit report, I will take LEGAL FEDERAL ACTION for every falsely reported discrepancy on my credit report from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTY THEFT PURSUANT TO 18 USC 1028A. I NEVER AUTHORIZED THESE NEGATIVE ACCOUNTS TO REPORT ON MY CEDIT 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 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a debit card linked to my checking account at TD Bank, it is only used at two TD Bank ATM 's, never at a retail or online store. 

I have had my debit card compromised twice recently, both times after using it at the ATM at the TD Bank on XXXX XXXX XXXX XXXX XXXX. And the people I speak with at TD Bank do not care and brush it off as 'it happens '. 

When the first occurrence happened, I notified the branch and the XXXX call center. I told them both the pre-authorizations and charges were fraudulent and that it occurred after the ATM in the branch was serviced ( I waited for the technician to finish, it was on a bank holiday and the branch was closed ), no one cared, they just made excuses. Now, its happened again with the new card, used at the same branch ATM. The person I spoke to says it just a coincidence. I doubt anyones bothered to check the ATM or even look at the data for cards that have been used there. 

Because of this fraud, I've requested a regular ATM card and not a debit card, and was told they do not allow ATM cards for checking accounts, only savings accounts. That makes no sense, and by forcing people to get debit cards when they only really want an ATM card only increases their risk and the potential fraud. 

TD Bank is a shell of the bank it used to be.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-10 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: AZ

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-06-10 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: AZ

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: LA

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I am try to get a letter from my mortgage company so I can get a payment from the government. They will not call me back and said they wont talk to me. I am trying to make arrangements to get a payment and they are not working with me. My mortgage company is select portfolio they keep giving me the run around and wont help me and talk to me. They have the worst customer service ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
I am a victim of identity theft pursuant to 18 USC 1028A. I never authorized these negative accounts to report on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: LA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: MD

Complaint narrative:
Account name : XXXX NORDSTM/XXXX XXXXXXXX Account # : XXXX XXXX Account type : XXXX Revolving Account Status : XXXX Open Credit Limit : XXXX {$0.00} Date Opened : XXXX XX/XX/XXXX Payment Status : XXXX Current Monthly Payment : XXXX {$40.00} Balance : XXXX {$410.00} No. of Months ( terms ) : XXXX XXXX Past Due : XXXX {$0.00} High Credit : XXXX {$500.00} Date of last Payment : XXXX XX/XX/XXXX Last Reported : XXXX XX/XX/XXXX Date Last Active : XXXX XX/XX/XXXX 2 Year History : XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) Comments : XXXX Consumer disputes reinvestigation in progress Credit card In accordance of the fair credit reporting act Nordstrom Credit creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
They owe me my {$530.00} that was in my Account when they decided to close it.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
What happened? 

I am filing this complaint because American Express has repeatedly reduced my credit limit without valid reason, in violation of my rights under applicable laws. Despite having an account in good standing, American Express has taken adverse actions that have negatively impacted my financial standing. Due to these repeated reductions and the negative impact they have had on my credit profile, I am requesting the establishment of an open-ended credit account that settles at the end of each month, with occasional interest charges as permissible by law.

Relevant USC Codes and Regulations : 15 U.S.C. 1601 et seq. ( Truth in Lending Act - TILA ) : Requires disclosures about terms and cost of credit, promoting the informed use of consumer credit. 
12 CFR Part 1026 ( Regulation Z ) : Implements TILA, requiring creditors to provide detailed information about the cost and terms of credit.

15 U.S.C. 1691 ( Equal Credit Opportunity Act - ECOA ) : Ensures fair treatment of consumers by creditors, prohibiting discriminatory practices.

12 CFR Part 1002 ( Regulation B ) : Implements the ECOA, outlining requirements for creditors to provide equal credit opportunity.

15 U.S.C. 1666 : Addresses billing error resolution in open-ended credit accounts.

12 CFR 1026.6 : Requires disclosure of terms and conditions for open-ended credit accounts, including interest charges.

15 U.S.C. 1681b : Regulates the permissible purposes for which consumer reports can be furnished.

15 U.S.C. 1691 ( a ) : Prohibits creditors from discriminating against applicants on various grounds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: CA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXXXXXX {$4000.00}

Company response to consumer: Closed with explanation