vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I started working at XXXX XXXX XXXX and opened a account with Citi Bank online so I would have a bank to send my direct deposit to. I had my payroll check direct deposited into this account. It was XX/XX/2024 when the check was posted. I lost my wallet this same day so I transferred the money via XXXX to my XXXX Bank account which is also a Citi Bank Account. The funds where transferred successfully. I then tried to use the debit card and it would not work. I called the customer service line and they told me that the account was put on hold for " fraud '' but could not tell me what the reason for this was. I have called them multiple times trying to gain access to my funds, and they are refusing to do so. They locked both my account and my mothers account down for no apparent reason and will not give access to my funds at all.

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 2024-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
Services Performed around XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX billed my insurance but did not bill correctly and stated that I owed {$480.00}. Did not get an actual bill until XXXX. No one at their office could understand my dispute. No one at their office could explain my insurance payments or benefits. The biller at XXXX XXXX XXXX never answered the phone upon attempts to understand my bill. They agreed to remove erroneous charges but still send our account to collections. On XX/XX/XXXX received a notice about a debt owed of {$480.00} by a company called Thunderbird Collection Specialists ( TCS ). I called TCS to tell them that the debt was not valid and that I did not receive any notices from them regarding the opportunity to dispute the debt. The representative became angry once she learned that I was exercising my rights as a consumer. She hung up on me. I am requesting that Thunderbird Collection Specialists TCS is investigated for charging a fee of over {$160.00} on top of the {$480.00} assumed owed totaling {$640.00}. I never agreed to any collection costs as a patient of XXXX XXXX XXXX. The issue is erroneous billing practices and charging patients for fees outside of agreed terms and conditions. Thunderbird Collection Specialists is charging fees that are not owed. I never signed a contract or agreement with XXXX XXXX XXXX regarding paying any fees or interest to a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Unacceptable Lack of Customer Service from Citizen Bank at XXXX XXXX XXXX, XXXX, MA XXXX I am writing to express my extreme dissatisfaction with the appalling level of customer service I have experienced at Citizen Bank. For the past two weeks, I have been unable to access my account due to it being inexplicably locked. Despite multiple attempts to rectify this issue, I have been met with nothing but frustration and neglect from the bank staff.

When I visited the bank in person, hoping to resolve the matter promptly, I was told that the staff were too busy to assist me and that I would have to wait indefinitely. This blatant disregard for customer needs is simply unacceptable. There is a constant battle and long lines out the door to get help from this branch. The employees are constantly on their phone assisting customers!

Even when I attempted to contact the branch by phone, I was met with further obstacles. I was repeatedly hung up on after talking to the branch representative. Not only did they refuse to put me on hold to address my concerns, but they also displayed a shocking lack of empathy and willingness to help.

As a loyal customer, I expect better treatment from my bank. It is outrageous that I am being denied access to my own funds and left stranded without any assistance from the very institution entrusted with safeguarding my finances.

I urge Citizen Bank to take immediate action to rectify this situation and provide the level of customer service that customers deserve. Failure to do so will result in the loss of my trust and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: OH

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized inquiries on my credit report. Despite my initial inquiry and request for investigation, the unauthorized inquiries are still present on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
Information is incorrect

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Timely payments on this account have always been my priority, never allowing them to become overdue. However, I'm uncertain about the reasons for reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be 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 non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My bank account with chase bank was levied by the State of Illinois for unpaid taxes. At the time I had {$3100.00} after recent transactions by me. These transactions had already been deducted from my balance at the time of the levy. But, after the levy the bank started placing my account into negative amounts for transactions that had already been deducted from my balance. Out of the {$3100.00}, the bank took {$100.00} for legal fees and are scheduled to send the remaining balance to the state on XX/XX/year>. Im waiting to see exactly how much that will be because as I stated they are claiming that I only had around {$2800.00} in my account at the time of the levy, which is not true!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, The following account was charged off as of XXXX. XXXX, XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This VIOLATION falsely manipulates the statute of limitations and re-ages my Date of Last Activity. Please delete I am demanding deletion of the following account : XXXX XXXX XXXX - XXXX - delete immediately Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Delete and send me the reflected changes of my credit report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$8000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2024-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The statute of limitations on debt in Texas is XXXX years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations for debt buyers. The date loan was open, my credit report is wrong is has XXXX XXXX the loan was open more than XXXX years, remove this debt, because of the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
First of all my loan was in administrative forbearance XX/XX/XXXX to XX/XX/XXXX Nelnet has me listed as XXXX days late in XX/XX/XXXX and XX/XX/XXXX. I have tried XXXX times for them to correct. First they said because I ignored XXXX late notices that werent changing it. When I showed proof that I contacted them on XX/XX/XXXX and they had filled out new application themselves for me to sign which I did and sent back same day on XX/XX/XXXX and sent documents on XX/XX/XXXX that were requested including proof that my wife was on XXXX which they already had. The second response just said not changing no reason given. I have more.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
received a letter from nelnet and a robo call, yesterday and this morning. STOP CONTACTING ME! YOU ARE BABNKRUPT AND HAVE COST ME MILLIONS OF DOLLARS.I WILL BE FORCLOSING ON YOU AND THE FEDERAL RESERVE IN THE XXXX RELATED BANKRUPCY PROCEEDINGS. DO NOT CONTACT ME! ADDITIONALLY YOU ARE ENGAUGED IN FRAUD, AND DISCRIMINATION, AND BRIBERY, AND MANY OTHER CRIMES. I WILL BE TESTIFYING AGAINST YOU. DO NOT CONTACT ME! CONTACT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-04-22 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:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: NJ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: CL Holdings LLC
State: OH

Complaint narrative:
I am a victim of identity theft. In XXXX my identity was stolen. My identity was stolen and used to collect unemployment that I never filed for. A police report was Made at XXXXXXXX XXXX XXXX XXXXXXXX. My information is still out there and someone tried using my ID on XXXX XXXX which resulted in a hard inquiry. upon further investigation I noticed third party collections on my report which is not accurate as well. No representative from any third party that is reporting information that is inaccurate and have not contacted me directly to confirm the assumed alleged debt. I have never done any transaction with any third party listed in my credit report. No signatures or acknowledgment has been made by me. I did not consent to owing any third party who assumed a debt by purchasing it from the original creditor whom they did business with. I am aware that the original creditor was paid through my unlimited credit and or trust set up in my name which now I own through the process of correcting my status. My agenda is to have all false reporting in my name to cease. On all credit Breau reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any 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 non-monetary relief
Consumer complaint received 2024-04-22 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: Uplift, Inc
State: TX

Complaint narrative:
An account for UPLIFT was opened in my name, using my bank account and personal identification information. I first was made aware by the bank, then later discovered several accounts that were opened with my name. One of the accounts was UPLIFT which was reported on XXXX XXXX and possibly XXXX. I then made a new police report to include all information I had about the account and submitted that along with the identity theft affidavit provided by uplift. I have been calling and leaving voicemails and emailing to be able to speak with a human with no response from Uplift. However, the company continues to respond to the credit bureaus by updating the fraudulent account to show a XXXX balance which was paid once the bank finished their fraud investigation and refunded me for fraudulent activity. 

Uplift will not work with me to resolve this complaint. The company continues to report false information even after I did everything they asked me to do to resolve it. The company is negligent and it appears that further legal action is required to resolve this matter.

Company response to consumer: Closed with explanation