vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 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: WA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am Filling this Complaint Against credit report agencies XXXX, equifax and XXXX As I see false information on my report is being commingling which can be assumed as fraud Pertaining to Truist Account number XXXX Which I see Inaccurate information reported starting with the Late payment as of XXXX which XXXX, XXXX and equifax provided no proof of that late payment and in accordance to with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section XXXX states I have the right to privacy 15 USC 1681 section XXXX Section XXXX it also states that consumer reporting agency can not furnish an account account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose can you help with the credit I am demanding credit reporting agencies to remove any late payments off XXXX  account Along with lies and false remarks saying the account is past due XXXX dollars or XXXX dollars I do not take to kindly To False accusations on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/year>, my husband XXXX XXXX XXXX and we called US Bank that day to learn what our options were. We were approved for XXXX forebearance for XXXX  months. On XX/XX/year>, I received a call that our forebearance was terminated due to failure to comply with verifying my husbands employment status in XX/XX/year>. I stated that US Bank called me on XX/XX/year>, during which I verified that my husband was still unemployed. US Bank was unable to locate the call, so I was advised to submit proof of the phone call, which I did and havent heard from anyone since. On XX/XX/year>, I was told that a new application was submitted and would take effect XXXX XXXX. I called again on XX/XX/XXXX and was told that my complaint was received and that Id hear from US Bank within XXXX hours. I was also told that our new forebearance application was still in review. I never heard from anyone. I received a letter that our new forebearance was approved starting XX/XX/year>, which wasnt in line with what we were promised. When I called to inquire, I was told that it was because our application was not submitted until XX/XX/year>, which is untrue. As of XX/XX/XXXX, I still had not heard anything about my complaint or our account. I spoke to someone who told me that they wont speak to me anymore because my account is now being handled by XXXX XXXX XXXX we will need to wait to hear from them. On XX/XX/year>, we received certified mail demanding payment for the months we were in forebearance, followed by a series of threats. We never should have been taken out of forebearance in the first place & now we are being abused, neglected, lied to & threatened. We have nobody that will speak to us regarding the letter we got today & we are at a loss! There have been a multitude of phone calls & I have requested that the bank review all of them & nobody will tell us whats going on. We were told wed be able to apply for assistance once we came out of forebearance & nobody will assist with that. Ive called to report that my husband started working, they didnt note it. This is predatory indeed, due to the variance in information provided by US Bank, their failure to communicate with us & follow thru on their promises & the terms they set forth, and now failing to acknowledge the proof we went in showing them that that called on XX/XX/XXXX. This is an unbelievably challenging time in life & wed never do anything to jeopardize the roof over our head. Truly XXXX that a bank can do this to someone!

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 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau Original Case XXXX XXXXXXXX XX/XX/XXXX This case was closed but the problem is not resolved. I could not respond until I received more information from XXXX. 

I do not owe Citi XXXX {$110.00} as XXXX refunded the $ XXXX Citi XXXX XXXX XX/XX/XXXX. I have explained this to Citi XXXX every month since XX/XX/XXXX and they keep wanting me to pay what has been already been refunded to Citi XXXX. 

I am attaching the e-mail from XXXX Dated XX/XX/XXXX explaining again what was done in XX/XX/XXXX. Citi Cards response from XX/XX/XXXX is irrelevant. The money was already refunded to them. 

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 monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-07-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capstone Credit & Collection, LLC.
State: PA

Complaint narrative:
XX/XX/year> I gave them a 60 day notice prior to that I had to terminate the lease agreement and I was self voluntarily XXXX acted! And they lied about no keys being in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Three years ago, I called and asked for a decrease in my interest rate on the CITI Bank credit card, " Sear 's " Shop-Your Way ''. I started off with 18 % and now it's XXXX. I called again in XX/XX/year> and Monday, XX/XX/year>. The call center is in XXXX, and no one I have spoken to is willing to lower these credit card rates. I received subprime loans which I did not know they were offering when I applied for this card. I pay my monthly bill on time, and I pay more than the minimum balance. I am being punished because I pay my bill on time and the majority of my payments are more than the {$29.00} minimum payment.

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 2024-07-29 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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  Account Number : XXXX Inquiry XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I ordered a camera bag from an online vendor called XXXX  XXXX on XX/XX/year> ( order number XXXX ), and set up an installment payment plan using XXXX XXXX with Affirm. The vendor originally promised a XXXX business day delivery using XXXX, but after 4 days on XX/XX/year> I still did not receive any update. After sending an email to XXXX XXXXXXXX, they finally shared the product was out of stock and would take an indefinite amount of time to deliver. I was traveling immediately so it would not have arrived in time, therefore I requested cancellation immediately prior to any shipment notice, TWICE. The vendor never acknowledged my cancellation and instead tried to entice me with a " free gift '', and after my firm decision to cancel order repeatedly, XXXX XXXXXXXX stopped responding completely. The last response was on XX/XX/year>. Because of no contact, after a few days I contacted my credit card bank to stop payment from XXXX  XXXX for suspicious activity in fear of being scammed. Then a week later, I received an automated shipment notice that XXXX  XXXX sent out the order that I had already requested cancellation on 2 times. Because I was unable to receive the package, it was sent back to the shipper, with a returned confirmation. XXXX XXXXXXXX never responded anything further nor acknowledged that my order was unable to be delivered. My money was returned to me thanks to the bank 's help, but Affirm says I owe them the {$200.00} from the purchase which I never received and had already tried to cancel anyway. I tried to contact Affirm but was unable to find a customer service telephone number, so I tried with an online chat agent, who was unable to directly help me, and sent me to file a claim on the Affirm website. After filing a claim and providing full evidence of vendor 's wrongdoing including receipts and email conversations, Affirm responded with a decision which says they side with the vendor and that I am responsible for the charge, EVEN THOUGH I DID NOT RECEIVE ANY MERCHANDISE. It is ridiculous how Affirm is working with a shady business to rob innocent consumers. Now Affirm is threatening to send this unreasonable charge to debt collectors to come after me and my family, and trying to impact my credit and my personal life. I am already filing complaints to the XXXX and state consumer protection agency at the same time in hope of any help in resolving this ridiculous situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: CA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-07-29 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: CA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
This complaint is against Ally Bank. On Friday XX/XX/2024 I made a deposit. On Tuesday XX/XX/2024 it showed that the deposit was approved. I know that it says that they can hold the deposit for 3 days and when it showed approved I had called Ally Bank and spoke with customer service representative, XXXX to confirm the deposit being approved. I specifically asked her, at any point can the deposit be returned even 1 day 3 or even a week? She told me that once a deposit is approved that I am good to go and that I have {$5100.00} in my acct. I did a {$2100.00} transaction that evening. The next day, Wednesday XX/XX/2024 the deposit got returned. I immediately called the bank and spoke with a supervisor, XXXX. He had seen the reason for my call and apologized that I was misinformed and that XXXX may need some more coaching and could not stop the transaction. I am now {$2100.00} over drawn in the account with the bank not trying to resolve or take any accountability for their employee telling me that " I am good to go '' with the deposit. I do not have {$2100.00} to cover that transaction. I would not be in this situation had their representative not told me that once a deposit is approved that I am good to go. If XXXX had said Yes that there is chance it can still get returned, I definitely would have waited and that was the whole reason for my call was to verify everything. My account has been restricted and I received a letter that I will be turned over to collections if my account is not brought up. I have filed a complaint with the Minnesota Attorney General and with the Federal Reserve Board, which sent me an email due to the type of bank Ally is, to file a complaint with Consumer Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
I received a response from the credit reporting agencies indicating that the investigation of these accounts was completed and the items were verified and updated. However, my credit report still contains multiple inaccuracies. 

Under 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to understand the verification process conducted by your agency. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite these investigations, my credit report continues to reflect discrepancies.

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 2024-07-29 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: TX

Complaint narrative:
I received a response from the credit reporting agencies indicating that the investigation of these accounts was completed and the items were verified and updated. However, my credit report still contains multiple inaccuracies. 

Under 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to understand the verification process conducted by your agency. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite these investigations, my credit report continues to reflect discrepancies.

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 2024-07-29 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: PA

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 XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$4200.00}, Account name : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX {$86.00} Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX - XXXX XXXX XXXX Account name : XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681 Section 602 A States I have right to privacy 15 U.S.C. 1681 Section 602 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 my 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 2024-07-29 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: PA

Complaint narrative:
To whomever this may concern, My name is XXXX XXXX, and I am writing this statement on my own behalf. Per 15 USC Code 1681S-2 and 15 USC Code 1682G, the listed accounts provided in this statement should not be reported on my consumer reports. The accounts listed violate my rights as a federally protected consumer per the Fair Credit Reporting Act and Consumer Financial Protection Buruea. According to the listed codes, they state that it is Non permissible for any reporting agency to report any information to the credit bureaus without a written contractual agreement, which i never provided to either company. No consent constitutes as identity theft. As a federally protected consumer, I am demanding the deletion and removal of these listed accounts off of my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: PA

Complaint narrative:
To whomever this may concern, My name is XXXX XXXX, and I am writing this statement on my own behalf. Per 15 USC Code 1681S-2 and 15 USC Code 1682G, the listed accounts provided in this statement should not be reported on my consumer reports. The accounts listed violate my rights as a federally protected consumer per the Fair Credit Reporting Act and Consumer Financial Protection Buruea. According to the listed codes, they state that it is Non permissible for any reporting agency to report any information to the credit bureaus without a written contractual agreement, which i never provided to either company. No consent constitutes as identity theft. As a federally protected consumer, I am demanding the deletion and removal of these listed accounts off of my credit reports 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 explanation
Consumer complaint received 2024-07-29 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This company - MCM - MIDLANDS CREDIT MANAGEMENT- debt collector - is contacting random family members. They have not contacted me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: OH

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 non-monetary relief