vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly.

Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Company did not provide original signed documents of me agreeing to paid debt nor did they provide proof of business license allowing them to practice in my state. 

XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I applied for a Savings Account with DCU based on the advertised 6.17 % interest rate I saw online. My application was accepted by DCU around XX/XX/24. After the account was opened, I initiated an ACH of {$1000.00} from an external account on DCUs banking app on XX/XX/24. However, on XX/XX/24, I observed a transfer of {$1100.00} on an external account ( different from the account I scheduled the {$1000.00} transfer from ) stating the transaction date as XX/XX/24 and the recipient as DCU. I was also charged XXXX from my external account XXXX ( while only receiving confirmation for XXXX of those transactions ). 

Having no recollection of initiating the {$1100.00} charge on the app with no details of this transaction showing up on their website/app or being credited to my DCU account, along with the double transfer of {$1000.00}, I grew concerned and contacted DCU for confirmation about the details of these transactions.

DCUs agent stated they didnt recognize the {$1100.00} charge either and told me to contact the institution from where the funds were debited. When I contacted the institution that handled the account which was debited, they investigated and I was informed that it was DCU who initiated it. When I asked for more details, they contacted DCU and based on the response they received, they accordingly decided the investigation in my favor.

For the extra {$1000.00} being debited, the agent told me to simply transfer the money back from my DCU account to the debited account. Based on the agents advice, I initiated XXXX scheduled transfers of {$500.00} and {$400.00} ( because DCU imposed a daily limit of {$500.00} ). After the first transfer was successfully completed, DCU locked access to my account without any notice or warning. This lock was only discovered on XX/XX/24 when I contacted DCUs customer service because my login was not working despite correctly following the instructions for resetting my password. I immediately called DCUs phone line for an appropriate and prompt resolution ( which took over an hour to get to the " right person- XXXX, I believe ). Instead, I was told my account was under review with no definite period of resolution. Since then, I have not received any significant communication or update on the issue from DCU. On the contrary, I have reached out to DCU several times
over the past XXXX months but received no update other than they dont know when it will be resolved.

For an institution whose banking services are primarily digital ( quite literally in the name, too ), I have encountered nothing but problems with how they handle customer service and banking on their app/website ( you know, digitally ).

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 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I contacted TD bank to dispute a payment of {$160.00} with business XXXX. The seller declined doing my hair despite deposit being rendered, and refused to provide a refund. The deposit was sold to XXXX XXXX for my hair, and the seller refused to do my hair .TD bank has moved slowly and unfavorably to retrieve funds. This is an ongoing issue with this banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing in response to your recent correspondence regarding the alleged debt associated with Case # XXXX and Case # XXXX. 

Despite your previous communications, I reiterate my dispute regarding the validity of the debt claimed by Midland Credit Management. I have repeatedly requested evidence of my original agreement with Midland Credit Management. including a copy of any contract bearing my wet signature on contract with Midland Credit Management.. Regrettably, this request remains unfulfilled.

Furthermore, I wish to address the information provided by XXXX XXXX XXXX regarding the purported debt. While it is claimed that an account was originated on XX/XX/XXXX, under the name XXXX XXXX XXXX, I maintain that I have never entered into any contractual agreement with Midland Credit Management, Midland Funding, or Encore Capital Group. 

As per the findings of the investigation conducted by the Consumer Financial Protection Bureau ( CFPB ), it is evident that the burden of proof regarding the legitimacy of this debt has not been adequately met.

In Alabama, the statute of limitations for debt collection lawsuits on an open account, such as a credit card account, is XXXX years from the date of the last action on the account in question1. Creditors can no longer sue
for repayment after the statute of limitations is up.

Therefore, I dispute any claims to rights or obligations stemming from an alleged debt that has not been substantiated with verifiable evidence.

Moreover, I emphasize my refusal to provide a signature in support of what I perceive to be unfair and potentially fraudulent collection practices. I assert my right to demand the removal of any inaccuracies associated with this disputed debt from all credit reporting agencies.

Cease and desist.

In conclusion, I urge Midland Credit Management to cease all collection efforts and to promptly address the concerns raised in this correspondence. Failure to do so may result in further escalation of this matter through legal channels.

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
The company Caine & Weiner is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Company did not provide original signed documents of me agreeing to paid debt nor did they provide proof of business license allowing them to practice in my state. 

Caine & Weiner ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC refused to cease collection of this allege debt so debt has now been cancelled with the IRS and reported as income so it can not be reported to the credit bureaus. XXXX XXXX XXXX has also been reported to the IRS so selling this information is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
We went to OneMain financial in XXXX, Texas for a personal loan. We were told we were qualified for {$3000.00}. We said that would work at that time. The representative stated that it was dependent on us allowing one main to pay off our current auto loan. We agreed not realizing we were refinancing an auto loan for a car that was close to being paid off. Meaning by signing up we were not only stuck in a new auto loan on an older car, but our {$3000.00} was dependent on us signing up for the refinancing. Ended up being triple what the car was even worth, added on a substantial amount of interest and took us forever to pay off. When we paid it off finally years later we found out One Main never even had the title to our car or reported to XXXX XXXX that our loan was paid off. So we technically show in XXXX XXXX  system having an active lien on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Company did not provide original signed documents of me agreeing to paid debt nor did they provide proof of business license allowing them to practice in my state. 

XXXX XXXX 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 explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Applied for checking account and credit card. Denied stating by phone that my account was frozen due to report of fraud. No release of who is holding the reported the fraud alert. Violators fair credit reporting by both the credit union and the party submitting the action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The company XXXX XXXX XXXX is in violation o

f 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX 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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: MO

Complaint narrative:
The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: MO

Complaint narrative:
The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX 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