vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/year>, I Sent Equifax Credit Bureaus a dispute that the company XXXXXXXX XXXX XXXX I with a balance of {$3100.00}. The credit bureaus is reporting false information and reporting accounts that do not belong to me. I sent the company a letter and a copy of my identification card. The letter requested that the item needed to be verified and removed. I also requested they send me the steps on how they confirmed that these accounts were mine. They failed to do so, with only a response that stated the account was verified but failed to provide proof of their investigation to claim so. 606 ( b ) - 15 U.S.C. 1681d states Disclosure on request of nature and scope of the investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is later. 623 ( 9 ) ( b ) ( 1 ) ( E ) ( ii ) - 15 U.S.C. 1681s-2 states, If an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly delete that item of information. I, the consumer, am requesting the immediate removal of this false reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: KY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my credit report. Please remove this account from my credit report, this account is hurting 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 non-monetary relief
Consumer complaint received 2024-05-20 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: IA

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: OR

Complaint narrative:
I see numerous fraudulent inquiries in my report and it's alarming. I want them to be removed as soon as possible. I have the right to have an accurate credit reporting. Kindly remove the following as soon as possible : XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX- inquiry date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Someone tried to XXXX a XXXX  XXXX credit card with my social security number. I immediately called to cancel the card when i received an email saying that XXXX  XXXX needed my last few documents to open my card. by then, they had already run a hard credit check without my permission.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I've called in several times since XX/XX/year> with issues revolving my Equifax Credit Report. I have been unable to obtain my own credit report and every time I call customer service I'm instructed to verify my identity with a license and selfie scan. Then the customer service representative tells me that they are unsure why I am unable to see my report because they can see it just fine. I was told last week they were escalating the issue upward and I would be receiving an email with updates within 48 hours. I have yet to receive anything and I am in the middle of mortgage shopping. Why am I unable to log in and see a credit report? Why are mortgage companies attempting to pull my credit with no luck if I clearly have a credit report that is unfrozen?!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I've called in several times since XX/XX/2024 with issues revolving my Equifax Credit Report. I have been unable to obtain my own credit report and every time I call customer service I'm instructed to verify my identity with a license and selfie scan. Then the customer service representative tells me that they are unsure why I am unable to see my report because they can see it just fine. I was told last week they were escalating the issue upward and I would be receiving an email with updates within 48 hours. I have yet to receive anything and I am in the middle of mortgage shopping. Why am I unable to log in and see a credit report? Why are mortgage companies attempting to pull my credit with no luck if I clearly have a credit report that is unfrozen?!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I am filing this complaint against Affirm Inc. for violations of the following federal laws and regulations : 12 CFR 1006.34 ( b ) ( 5 ) : Affirm Inc. has not provided me with validation information about the debt they claim I owe, despite placing a collection notice on my credit report.

12 CFR 1006.34 ( c ) ( 4 ) ( I ) : Affirm Inc. has not given me a chance to dispute the validity of the debt.

12 CFR 1006.34 ( d ) : Affirm Inc. has furnished information about the alleged debt to a consumer reporting agency without providing me with all required disclosures.

15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Affirm Inc. is furnishing inaccurate information to a consumer reporting agency.

15 U.S.C. 6802 : Affirm Inc. has disclosed my nonpublic personal information to a nonaffiliated third party without providing me with a notice that complies with section 6803 of this title.

Affirm Inc. 's actions are causing me significant harm. The collection notice on my credit report is damaging my credit score and making it difficult for me to obtain credit. I am also being harassed by Affirm Inc. 's collection agents.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Affirm Inc . I am also requesting that Affirm XXXX remove the collection notice from my credit report and cease all collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Ive been with Navy Federal Credit Union for a few years and have never had an issue with them until now. Ive never did anything illegal with my account so for them to close my account for no apparent reason is ludicrous. I received a letter in the mail dated XXXX XXXX stating Navy Federal monitors accounts and transactions to identify activity or conduct that may pose unacceptable risk to the credit union, its staff, and its members. We reserve the right to prohibit any and all activity to, through, or from any Navy Federal account as we deem necessary. I then called the bank to resolve this and to also see whats going on with my account because I havent done anything wrong. They transferred me multiple times to different reps that couldnt help me then to the security department and they refused to tell me why my account has been restricted. Im really lost for words because I have credit cards, auto loan and loans with this bank. Every external bill I have is set up auto pay with this account now Im being charged for returned fees which equals in the amount of about {$400.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Collection Management LLC
State: NV

Complaint narrative:
In XXXX, XXXX, and XX/XX/year> I contacted the creditor by certified mail USPS and have not received any proof of this debt, from a hospital located somewhere in XXXX or XXXX based on my research. I have not visited, resided, or have any ties to XXXX XXXX XXXX. This has negatively impacted my credit bureau ratings. They are threatening that I owe {$3400.00} immediately with no explanation given! My insurance is through XXXX State of Arizona, which suggested I file a complaint with the CFPB after I had made every attempt to contact this debt collection company with no resolution. I need help from CFBP with this. 

I am now retaining XXXX XXXX to proceed with this matter in addition to filling an additional complaint with the FTC. 

Previously mailed a certified letter with NO RESPONSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
collection account reporting is inaccurate, debt is not mine

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 2024-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I am filing this complaint against GM Financial for violating the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : GM Financial has placed a collection account on my credit report without providing me with the required validation information within five days of the initial communication, as mandated by 12 CFR 1006.34 ( b ) ( 5 ). This information is crucial for me to verify the legitimacy of the debt and dispute it if necessary.

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( I ) ) : I have not been given a fair and meaningful opportunity to dispute the debt as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

False, Misleading, and Deceptive Practices : By reporting the debt to a credit bureau without proper validation and dispute opportunity, GM Financial is using false, misleading, misrepresentation, and deceptive means in violation of the FDCPA. 

Furnishing Information Without Disclosures ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S 2 ( 7 ) ( A ) ) : The collection agency has violated 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) by furnishing an account to a consumer reporting agency without providing the legally required disclosures.

Unauthorized Disclosure of Personal Information ( 15 U.S.C. 6802 ) : Furthermore, GM Financial may have violated 15 U.S.C. 6802 by potentially disclosing non-public personal information to a credit bureau without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I noticed that there is a hard inquiry on my credit report. XXXX shows that i have a hard inquiry from THD/CBNA on XX/XX/year>. I called to remove it. They email me back saying that they contact XXXX to remove it ( reference # XXXX ). It is still showing on my credit report. Now it shows 2 from the same date XX/XX/year>. On XX/XX/XXXX once again it shows another hard inquiry on XXXX. I contacted Citi bank they said to give it 30 days it will be removed ( case # XXXX. I contacted them again on XX/XX/XXXX, once again I receive a letter saying it will be removed ( reference # XXXX ). As of right now I have 3 hard inquiries on my credit report that. The only hard inquiry that should be there is the XXXX from XX/XX/year>, that is the only time I applied for a card, which I was approved. 

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 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My wife and I have been working towards purchasing a home in XXXX, California. To cover the closing costs, which include the deposit and down payment, we both withdrew funds from our shared XXXX account. We proceeded to deposit our respective XXXX checks at a Bank of America branch. 

While my wife 's check was cleared immediately, mine was placed on a 7-day hold. Bank of America provided no explanation for this hold. Given that my wife is white and I am XXXX, we can't help but suspect that this discrepancy may have been XXXX XXXX. 

This unexpected 7-day hold has put our home purchase at risk, as we XXXX not be able to close on time. Bank of America has only referred to this as a 'confidential hold ', offering us no options to escalate the issue or meet with someone who could expedite the verification of funds. 

The check in question was from XXXX, a company with over a XXXX dollars in holdings, and we had sufficient funds in our checking account to cover the deposit. Considering we received no explanation, and that my wife and I deposited checks simultaneously for the same amount, it's difficult not to conclude that XXXXXXXX XXXX may have played a part in the decision to place my deposit on hold, while hers was not.

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 2024-05-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM ABSOLUTELY INFURIATED AT THIS POINT. I HAVE BEEN FAXING THIS INFORMATION FOR MONTHS AND I AM STILL GETTING THE RUNAROUND. I CALLED TODAY ( XXXX, 2024 ) for an up date. I was told yet again that I was missing information. Each time I call I get the run around over and over. 
I am very very put off that I now being asked for my drivers license. I NEED TO KNOW TO RESOLVE THIS ASAP. 
THE REPS EITHER TO DO SPEAK ENGLISH WELL, OR THATU DO NOT KNOW WHAT THEY ARE DOING. YOU HAVE MY GIFT CARD THAT WAS GIVEN TO ME BY MY CHILDREN YET BE XXXX  XXXX MADE AN ERROR MY MONEY IS BEING WITH HELD. NO ONE CAN CALL ME TO RESOLVE? This absolutely horrible and an obvious ploy to with hold funding from the XXXX and XXXX which I am both. Id like to have this resolved asap. Pls call if you missing anything aside from dumping this and waiting for a customer who has done everything asked yet this is no resolution or even an attempt resolve. ( contact ) XXXX IVE BEEN TRYING TO RESOLVE THIS FOR FOUR MONTHS

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 2024-05-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax regarding their inadequate investigation of a dispute I filed about incorrect information on my credit report. Despite providing substantial evidence, Equifax failed to address and rectify the inaccuracies in my credit file appropriately. Specifically, the disputed account XXXX XXXX : Account number : XXXX, Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, I was never late on this account and should not be reporting closed. Please look into this late payment and ensure that it is updated as paid. 

XXXX XXXX : Account number : XXXX, Please delete this account from my report. There are many inaccuracies. Clarify this information to me or delete this account immediately from my credit report. 

XXXX  : Account number : XXXX, Please delete this account from my report. There are many inaccuracies. Clarify this information to me or delete this account immediately from my credit report. 

XXXX | XX/XX/year> : Account number : N/A, This is inaccurate. This inquiry is unauthorized. Delete this inquiry immediately. 

XXXX | XX/XX/year> : Account number : N/A, This is inaccurate. This inquiry is unauthorized. Delete this inquiry immediately. Equifax 's response was a generic form letter that did not address the specific issues or evidence I provided, indicating a lack of a thorough investigation as required under the Fair Credit Reporting Act ( FCRA ). These inaccuracies have significantly harmed my creditworthiness, impacting my ability to secure credit and favorable financial terms. I request the CFPB to investigate Equifax 's handling of my dispute, ensure a proper investigation is conducted, and mandate the correction of any inaccuracies in my credit report. Attached are copies of all relevant correspondence and evidence. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-20 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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