vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
XXXX started calling XX/XX/year>. At first it was only once a day, they asked for my information and when asked who was calling they would hang up. This happened for the rest of XXXX. Into XXXX and XXXX, this company continues to call anywhere between XXXX times a day, when I answer they wont speak and hang up the call. XX/XX/XXXX I spoke with someone about having my name taken off a calling list as they wont describe what they are calling about, and they said they would do this. Since then I get calls anywhere from XXXX every single day. It is impeding my ability to do professional duties, home life duties, and is harassing. But still no one will let me know why they are calling or address their names only asking for my name. Their number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: IA

Complaint narrative:
My loans are part of the XXXX XXXX XXXX case. Per the settlement agreement loans pertaining to the case are supposed to be cleared from the credit report by the end of XX/XX/year>. I filed a dispute where it came back that the loans were correct. My loans are still being processed for discharge per the settlement agreement. The balance is incorrect. The deadline for discharge per the settlement agreement has passed. Interest is being reported to the credit bureaus for the loans which is still impacting my credit score which is a violation of the settlement agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: IA

Complaint narrative:
My loans are part of the XXXX XXXX XXXX case. Per the settlement agreement loans pertaining to the case are supposed to be cleared from the credit report by the end of XX/XX/year>. I filed a dispute where it came back that the loans were correct. My loans are still being processed for discharge per the settlement agreement. The balance is incorrect. The deadline for discharge per the settlement agreement has passed. Interest is being reported to the credit bureaus for the loans which is still impacting my credit score which is a violation of the settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: IA

Complaint narrative:
My loans are part of the XXXX XXXX XXXX case. Per the settlement agreement loans pertaining to the case are supposed to be cleared from the credit report by the end of XX/XX/year>. I filed a dispute where it came back that the loans were correct. My loans are still being processed for discharge per the settlement agreement. The balance is incorrect. The deadline for discharge per the settlement agreement has passed. Interest is being reported to the credit bureaus for the loans which is still impacting my credit score which is a violation of the settlement agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: ME

Complaint narrative:
Caine and Weiner took over a debt that I had with XXXX XXXX. When the debt was with XXXX the amount was {$80.00} and now they are saying that I owe them {$350.00}. When asked to send any information they had on the debt including amounts and dates I was told that they do not have to do that and I am responsible for paying the amount in full. I was able to get the account removed from my XXXX report but now they have posted it on XXXX and XXXX. When disputed through XXXX they said the debt was again valid and it would not be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are inaccurate late payment remarks that I do not recognize as I am always never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
All fraudulent activity occurred in NY and I am a MA resident. TD texted me a suspicious activity text and I confirmed Fraud had taken place on XX/XX/XXXX. All previous Statements within the last 3 months have been from MA. The card is still in my possession, I do not know how these in person transactions were made. I do not understand how these cash withdrawals or transactions of this amount could be approved without my identity being confirmed. I have filed a fraud dispute twice with TD in which they have denied my claim because the card is in my possession. 

XX/XX/XXXX XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX # XXXX {$110.00} XX/XX/XXXX XXXX XXXX {$16.00} Attached is one of the dispute claims as well as proof from my other credit card that I was in fact in MA at the time of these fraudulent NY transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-04 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
Hi, I made a discretionary payment to my student loans, serviced by Mohela, on XX/XX/year> in the amount of {$6200.00}. Towards the end of XXXX I encountered a family emergency and reached out to Mohela to have the {$6200.00} refunded. Mohela told me it was approved but that there was no way to " track '' or provide any confirmation of the refund. I've called on two separate occasions in XXXX and XXXX, and was told that the original request for the refund was never inputted and that the present one was approved and that the request was in the " hands '' of the Department of Treasury. 

It's now XXXX, and Mohela has transferred my loans to XXXX. I still don't know the status of my refund and I have not received it in my personal checking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE

Complaint narrative:
On XXXX XXXX an HSBC US Relationship Manager accepted my instruction to renew my maturing CD account ( ending XXXX ). On XXXX XXXX I noticed that my credit card account ( ending XXXX ) shows a XXXX available credit, and a customer representative told me that HSBC US is closing my card account due to rules of deposit account. The representative specifically told me that no action is being taken against my other accounts. During a further phone call with customer representative on XXXX XXXX I was informed that all of my accounts are being closed and HSBC US is terminating business relationship with me. During a subsequent phone conversation with a Relationship Manager via phone on the same day, I was offered no explanation on why the CD renewal was accepted but all of my accounts were subsequently closed, or any particular reason why HSBC US severed relationship with me.

I believe that HSBC US is conducting unfair practice as : Had I known that my account is closing, I would not elect to renew my CD, as I would have known HSBC US will not honor the agreed term and rate due to early closure before maturity. Therefore, considering the time from making decision of closure to initiating account closure ( I have no idea about the starting time of available credit freeze on my credit card account ), HSBC US is aware that a closure is imminent when accepting my renewal instructions, but still indicated that all accounts are in good standing. It is impossible for me to avoid the injury of losing access to account and spending power, losing potential ( and mutually agreed ) interest income, and temporary lock up of funds during account closure processing and check mailing, as HSBC, with the intention of account closure action, indicated that they would still accept my deposit but changed their attitude immediately afterwards. I also do not see how this practice benefits customers or HSBC : if HSBC decides, for whatever reason, that a specific customer is commercially unviable to transact with, then the inconsistency on deposit acceptance will only increase risk and hurt customers trust in the financial institution. Adding insult to injury, HSBC US elects to offer no explanation on any of the issues above and no possibility of reconsideration of decision. 

I also believe that HSBC US is also potentially engaging in deceptive commercial practice in accepting a CD deposit with the intention of terminating the account immediately afterwards. The blanket defense of right to close account anytime for any reason does not work here : a reasonable customer would not choose to do business with a financial institution who, in effect, is engaging in a transaction, a portion of which the business is not intending to uphold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: MA

Complaint narrative:
Per FCRA Regulations, creditors/collectors are required to include Original Creditor Name. This required information is not provided by XXXX XXXX XXXX for XXXX collection accounts with balance of XXXX opened XX/XX/XXXX and {$3500.00} opened XX/XX/XXXX. 

I have written to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX requesting a Debt Validation Letter for both collection accounts. XXXX XXXX XXXX did not respond to either request and provide requested information. 

Please remove both collection accounts from my XXXX credit report given this creditor is violating my rights under FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: MA

Complaint narrative:
Per FCRA Regulations, creditors/collectors are required to include Original Creditor Name. This required information is not provided by XXXX XXXX XXXX for 2 collection accounts with balance of XXXX opened XX/XX/XXXX and {$3500.00} opened XX/XX/XXXX. 

I have written to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX requesting a Debt Validation Letter for both collection accounts. XXXX XXXX XXXX did not respond to either request and provide requested information. 

Please remove both collection accounts from my XXXX credit report given this creditor is violating my rights under FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
There was not an answer that correctly fit what this company is trying to do. LVNV funding and/or XXXX XXXX XXXX has entered a petition into XXXX XXXX , Kansas court seeking to collect on a debt that is past the statue of limitations in the state of Kansas as well as the state of Illinois. I am denying this debt as to the fact that it is out of the statue of limitations to collect debt on a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: 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 2024-06-04 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: FL

Complaint narrative:
I've consistently made on-time payments on this account and never allowed them to become overdue. I'm puzzled as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: FL

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 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 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau is trying to collect a debt from me but has not provided additional information about the debt. 

I have never done business with KAB and not sure why they are trying to harass me about the debt. 

KAB failed to provide the following information about the debt : 1. The account number associated with the debt ( if any ) 2. An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date 3. The current amount of the debt when the notice is provided 4. Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong

Company response to consumer: Closed with explanation