vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a checking account with Truist with {$60.00} cash, the following morning I go to make a deposit and my account is closed. I called and asked what the reason for my account being closed the very next day could be, their response was random suspicion. the checking account was opened on XXXX XXXX account # 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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Company has reported acct late and it is affecting my credit. I was never late because there was no payment ever due for the accts. I have contacted company to delete the late payment reports but they refuse to. The transactions are inaccurate because I was never late on the accts. 

XX/XX/year>, XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. Account XXXX XXXX XXXX XXXX  XXXX, has violated my rights. Account XXXX XXXX  XXXX  XXXX, has violated my rights. Account XXXX XXXX XXXXXXXX15 U.S.C 1681 Section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: CA

Complaint narrative:
On XX/XX/XXXX, I purchased XXXX mattresses, a bed frame, and XXXX apparatuses to move the beds up and down from Macys. The items were delivered to me in XXXX of XXXX, and were promptly returned to Macys in XXXX. Macys and Citibank did not properly credit my Macys credit card for the returned merchandise. I spent months calling Macys, trying to correct their error ( s ). 
On XX/XX/XXXX, after numerous calls and letters, I sent a letter to Macys disputing charges on my Macys credit card account. On XX/XX/XXXX, Macys responded and failed to correct their billing error, and failed to remove negative information from my credit report, and continued to charge interest on the account. After receiving Macys erroneous response, I sent another letter on XX/XX/XXXX, hoping Macys would correct their mistakes. Instead of correcting these errors on my account, Citibank is suing me for a balance I don't owe in the amount of {$3100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-14 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-14 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: NC

Complaint narrative:
On XX/XX/XXXX I notice my credit score dropped. 
XXXX XXXX XXXX XXXX had reported the same XXXX  loans again for the second time. 
So it's showing doubled the amounts on my credit report that have already been reported. 

The amount is also for the full amount instead of the amount that I actually owe. 

I only owed about {$70000.00} for XXXX but now my credit report is showing {$130000.00} for 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 2024-09-14 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: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
What Happened : I am disputing fraudulent information that was added to my credit report as a result of identity theft. I am a XXXX XXXX XXXXXXXX XXXX, and certain accounts and debts were incurred without my knowledge or consent while XXXX XXXX XXXX XXXX. The disputed accounts include charges from XXXXXXXX XXXX XXXX XXXX  and a collection from RentDebt Automated Collections ( XXXX ), which is reporting inaccurately. This collection was the result of theft and has been reported to the police. Additionally, various incorrect personal details, such as name, address, and employer information, have been falsely reported. 

I have provided a police report that documents the criminal activity that led to this situation, and I am requesting the immediate removal of the fraudulent accounts, including the RentDebt collection, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Trafficking Victims Protection Act ( TVPA ). 

I have also requested rapid rescoring to ensure my credit report is updated promptly, as well as written confirmation of the removal of these items once the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: HW Holding, Inc
State: TX

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit report. I am not liable for this Debt of {$290.00} with HUNTER WARFIELD INC I did not sign a contract with HUNTER WARFIELD INC and I didnt receive Verification of the debt via the original Contract Account number : XXXX I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : HUNTER WARFIELD INC Date of entryXXXX Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 2. HUNTER WARFIELD INC has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). HUNTER WARFIELD INC is flagrantly disregarding consumer protection statutes. I demand that XXXX XXXX investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: MD

Complaint narrative:
I sent out instructions for Experian ( www.experian.com ) to delete a few items as addresses and phone numbers that were not directed related to me or an open account period. They sent me a notice stating they have disputed this with some 3rd party company that I did not mention to do, and they didn't correct all of the issues I instructed them to do, as well as there was no option to dispute any other items on my account, ie. Inquires.. 
They tried to tell me that there is a Limit to what I can dispute, I would like someone to explain to me and or Experian that this IS Not proper, and against my rights.. 
Thank You 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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently logged into my transunion account online and my credit report is blank.

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 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Chase Bank regarding a series of unresolved fraudulent ATM withdrawals and subsequent claim denials. I have been a loyal Chase customer since XXXX, since I was XXXX XXXX XXXX and have never previously filed a claim. However, recent experiences have left me deeply frustrated and concerned about the handling of my account. 

On XX/XX/XXXX, my account was compromised with two unauthorized ATM withdrawals, each for {$500.00}, totaling {$1000.00}. I received a fraud alert text from Chase, responded immediately to indicate that these transactions were not made by me, and requested a replacement card on the same day. Despite my immediate response, no replacement card was issued, and no claim was opened by Chase. 

On XX/XX/XXXX, I took the initiative to manually open a claim ( Claim Number : # XXXX ). This claim was subsequently rejected on the grounds that the ATM location was too close to my residence, proving that the transactions were made by me. I faxed over my text response to the fraud alert and my request to close the card, but received no follow-up. When I reached out to the claim department again, I was advised to fax the documents again and wait, but no action was taken by Chase. 

Frustrated by the lack of resolution, I reopened the claim for the same transactions on XX/XX/XXXX ( Claim Number : # XXXX ). Despite uploading proof on XXXX website multiple times, the claim was rejected once more. Chases investigation team claimed that since the transactions required a PIN, it must have been me. They did not address my concerns about how I have the knowledge that someone else could have accessed my PIN or check the ATMs surveillance footage like I repeatedly requested. 

The situation deteriorated further when, on XX/XX/XXXX, I received another fraud alert regarding an {$800.00} withdrawal with my new debit card on the following day on XX/XX/XXXX. I immediately responded " No, '' and went on to lock all my cards, and requested a new card. This withdrawal occurred at the same ATM location as the previous incidents and was made at XXXX PM on XX/XX/XXXX while I was at work with multiple witnesses and company surveillance. 

I initiated a new claim for this XX/XX/XXXX transaction ( Claim Number : # XXXX ). Chase informed me that the withdrawal occurred at the same ATM as before and that the fraud alert was sent after the money had already been withdrawn. I was told that no further action could be taken and that it was entirely up to the claims department, despite my repeated requests for review of the surveillance footage and further assistance. 

I am deeply dissatisfied with Chase Bank 's handling of these issues and their lack of support despite my long-standing relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Company has reported acct late and it is affecting my credit. I was never late because there was no payment ever due for the accts. I have contacted company to delete the late payment reports but they refuse to. The transactions are inaccurate because I was never late on the accts. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: CA

Complaint narrative:
Company has reported acct late and it is affecting my credit. I was never late because there was no payment ever due for the accts. I have contacted company to delete the late payment reports but they refuse to. The transactions are inaccurate because I was never late on the accts. 

XX/XX/2XXXX 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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: CA

Complaint narrative:
Company has reported acct late and it is affecting my credit. I was never late because there was no payment ever due for the accts. I have contacted company to delete the late payment reports but they refuse to. The transactions are inaccurate because I was never late on the accts. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They have refused to remove inaccurate personal information from my credit report. I sent letters to the credit bureaus via XXXX XXXX Mail with the following details : XXXX : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXXXXXX XXXX  The letter concerned a XXXX address that I have never lived at or been to before. This is not my current or previous address. 

TransUnion : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXXXXXX XXXX The letter addressed a XXXX address ( which I have never lived at or been to before ) and a XXXX address, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, which is not my current or previous address. 

XXXX : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXXXXXX XXXX. The letter concerned an XXXX  address that I have never lived at or been to before. This is not my current or previous address.

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 2024-09-14 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: NJ

Complaint narrative:
This address XXXX XXXX XXXX XXXX NJ XXXX dose not belong on my credit report and needs to b e removed 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 2024-09-14 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: NJ

Complaint narrative:
This address XXXX XXXX XXXX XXXX NJ XXXX dose not belong on my credit report and needs to b e removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted.

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