vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called on Saturday, XX/XX/XXXX to update my address and phone number since I recently moved. I was told to wait for a return phone call once the information was verified. I never received a phone call. 

On Sunday, XX/XX/XXXX I went to a Best Buy store to make a purchase and provided my drivers license to confirm my identity. I was unable to make a purchase. 

On Wednesday, XX/XX/XXXX I called to close my account since I cant use it and was told I would receive a verification process but they could not tell me when I would receive it, how I would receive it, or if it would go to my new address or phone number.

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 2024-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I asked Navient for a XXXX XXXX XXXX XXXX, as predatory lending practices and the practices of my institution in pushing me towards a private student loan to supplement federal loans qualify me for a XXXX XXXX XXXX  Navient refused to send the request, citing the institutions ' non-profit status at the time the loan was originated. While this is true, I was still pushed toward private loans by financial aid representatives. I did not understand the difference between private and federally-backed student loans at the time, and did not understand that the loans were not treated similarly to federal loans in terms of repayment, etc., and the differences were not explained to me. I have been unable to make meaningful payments on the loans, resorting to interest only payments, and I have paid more than the loan was originally worth in some cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: Early Warning Services, LLC
State: NC

Complaint narrative:
Per XXXX I called Early Warning To opt out of the nation credit bureaus per their website lists a NON WORKING NUMBER to opt out of their services PER THE WEBSITE **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " You may limit prescreened offers of credit and insurance you get based on information in your credit report. Unsolicited prescreened offers for credit and insurance must include a toll -free number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at XXXX ( XXXX ) '' NON WORKING NUMBER I called a different phone number and spoke with a representative to opt out of early warning reporting services and the representative told me I COULD NOT OPT OUT OF THEIR REPORTING SERVICES Violation of 1016.7 Form of opt out notice to consumers ; opt out methods.

( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) MOST RECENTLY AMENDED XXXX XXXX, 2018 Regulation P requires financial institutions to provide certain privacy notices and to comply with certain limitations on the disclosure of nonpublic personal information to nonaffiliated third parties and requires financial institutions and others to comply with certain limitations on redisclosure and reuse. 


Violation of 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) MOST RECENTLY AMENDED SEPT. 17, 2018 Regulation P requires financial institutions to provide certain privacy notices and to comply with certain limitations on the disclosure of nonpublic personal information to nonaffiliated third parties and requires financial institutions and others to comply with certain limitations on redisclosure and reuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items in there to be inaccurate. I Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ).

In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Incorrect names, addresses and employers

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 2024-06-13 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: OH

Complaint narrative:
I applied to company for employment and when I was told I needed to take a background check for more information to be provided. 
The company had the process go through checkr which informed the company of an inaccurate description of my record stating my license was suspended under false pretenses, and continues to be reported disqualifying me from working the job. 
From XX/XX/XXXX, XX/XX/XXXX shows Inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
comenity capital XXXX XXXX XX/XX/year> FILED DISPUTE THEY UPDATED WITH INCORRECT DATES I am writing to bring to your attention an error on my credit report that requires immediate correction. Upon reviewing my credit report, I noticed that there is an account listed under my name that is inaccurate and does not belong to me. 


This erroneous information is negatively impacting my credit score and financial standing, which could have significant consequences for my ability to obtain loans or credit in the future. 

I kindly request that you investigate this matter promptly and remove the inaccurate account from my credit report as soon as possible. Additionally, I would appreciate receiving written confirmation once the necessary corrections have been made. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you require any further information or clarification regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2024-06-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I spoke to multiple representatives who stated that although I was behind in payments that my account would not be closed because I am apart of a payment plan. I was tricked and mislead by XXXX whom of which I spoke to in XXXX and XXXX XXXX who I spoke to in XXXX. I was not clear on the terms of my contact and wanted verification on reasons for closure and the renewal/FICO score discrepancy was not stated. They only mentioned that if I missed a certain amount of payments it could close but since I satisfied the payment arrangement I was okay. I spoke with XXXX today and let her know how I was mislead and she tried to justify why I was not told the full information but this is unacceptable as a credit card company. I was ambiguous to the terms and why my account would close, I was reassured it would not close and now I see I have been lied to. I was told after the 3 payments of {$110.00} my account would have spending privileges again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-06-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm writing to express my concerns on a couple issues I've encountered with the credit bureau. False account listings, numerous illegal inquiries, inaccurate credit reporting, inconsistent billing, and accounts that are not mine are some of these issues. 

In order for me to be financially secure, I need assistance in solving these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX I noticed some illegal activities on my account ( some kind of money transfer via Western Union ) I called Brinks/Netspend right away, I called Western Union and I filed a police report. The next day the bank froze my account ( after I had already used it again ) and said they were opening a new security account. The card did not come on the days expected. I had set aside the day waiting for XXXX, no card. When I finally did get the card I only got to use it a few times then they froze my account again, for absolutely no reason, and suddenly the id I used to verify me for the account was no longer accepted. Without being able to access my funds I had to ask around to borrow the money for a new ID. I had to wait days and finally was able to get a sheriffs ID, from the sheriffs office. My phone lost the verify me link due to slow data and I called to get another link. They said they would not do that and to send ID via email and it would take XXXX to XXXX business hours to process. Without being able to acess my funds I had to walk miles to get back home. When they finally did review the email they rejected my ID for no reason even though it was an official picture ID. They are harrassing me intentionally, they were aware it was all the money I had and I needed to buy food. They have kept me on the phone for at least XXXX hours this week, hung up on me, kept me in a loop. I am traumatized from the experience. Now I have gotten an email today that states they will up escalate the issue and I will get somekind of answer in XXXX days. Thats another XXXX days I will have no food to eat, they are still putting me through this and seem to have stolen my social security money. Its as unethical and low as it comes. I was a victim of a crime that occurred due to their inadequate security and now they are making any excuse not to relinquish my meager funds. 
Since this has happened I have found other people whose money was stolen by Netspend/Brinks XXXX in my small town alone. I think their practices need to be investigated for illegality anf fraud. 
Thank you

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 2024-06-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Hello, I see that National Credit System has been trying to collect {$900.00} from me for my past apartment woodbine. I moved out at the end of my lease in XXXX of 2023 and the landlord did their full walkthrough and everything was checked out and I handed in my keys and everything. With no issues now I see that this collection agency reported this {$900.00} on my credit report as a collection and I want it removed from all 3 credit agencies as I do not owe anything. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: CA

Complaint narrative:
I discovered multiple hard inquiries on my credit report that were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I reached out to Freedom Mortgage to get a preapproval Before I decided to put my home on the market I was told I was pre-approved for XXXXXXXX XXXX  so at that time I put my home on the market my property sold And then I found out that I wasnt preapproved. I had a contingency for my property so I move out XX/XX/year> with nowhere to go and now Im standing in the hotel so I applied to another mortgage company and was approval XXXXXXXX XXXX but Im still resigning in the hotel that I have to pay for meals transportation so I reached out to Freedom Mortgage to Compensate me for the inconvenience if I had known, I wasnt preapproved I would not have put my home on the market

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 2024-06-13 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-06-13 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain housing and credit.

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