vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year>2024 Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX Subject : Complaint Against Equifax for Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax regarding the wrong name in their records. My legal names are XXXX XXXX. XXXX and XXXX XXXX XXXX ; however, Equifax has been using a name that I do not use on official documents. 

I have previously filed disputes with XXXX and XXXX, and I did not encounter any issues with either of these credit reporting agencies. Both have my name correctly listed as it appears on my driver 's license, which I will attach once again for your review. 

I believe that Equifax has violated my rights under identity theft laws. Identity theft occurs when someone uses personal or financial information without permission, and in this case, my name has been misrepresented in Equifax 's records. 

I am requesting your assistance in correcting this matter for the fifth time. I appreciate your attention to this serious issue and look forward to your prompt response. 

Thank you for your help. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had been a customer for 20 years. Pottery Barn is in decline dramatically. They messed my furniture order during packaging. It took 2 months to have it corrected. I have records of talking to 15 people both Pottery Barn and PB Credit Card within a month and recorded 9 hours of phone calls. I was refused to provide Corp contact info. Many customer service agents said to me on record " our managers do not want to talk to any customers and force us to their jobs ''. They sometimes put me on hold for 1 hour but could not find any manager. At times I provide my info for call back instead. Never once got a call in 2 months. 

i had made the whole payment before I was billed, before the delivery. Then Capital One Pottery Barn Credit Card lost my whole payments twice in a month. They instructed me stop payment twice. Then a day after, they found the checks. They got my XXXX online check from my bank, also Capital One. Still, they forced me to pay late fees and interest fees. When I disputed, I had all the bank info that I had paid on time fully, XXXX, rude supervisor, said he didn't care. He was belligerent, After I complained about him and closed my account due to despicable Customer Service with a credit hanging, they reported me to Credit Bureaus the next day. Yet, I still have a {$100.00} over payment to be refunded. Within a month!!! Others only report after 60 days, I am informed. That caused my credit score to be lowered XXXX points. It went from being excellent for years to good for the first time. And they took back all the points I had earned. 

I also wanted to end this drama after 3 months, I ended up getting a replacement furniture and kept both. I ended up paying double at the end. Consider all these frauds and the terrible customer service before opening an account from Pottery Barn and buying anything. The next step is to file a fraud complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-28 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: CA

Complaint narrative:
XXXX, TransUnion, & XXXX are report inaccurate information on my credit report. XXXX are reporting accounts that at XXXX years old and will not remover them. Also all 3 credit bureaus are reporting a XXXX XXXX Credit card on my credit report and I have called and went into the bank branch and they have no record of the account in their system. Ive disputed the account several times and they continue to verify false information. I am in the process of buying a home. The account has late payments and because XXXX XXXX doesnt have any record of the account they cant remove the late payments, which is the reason for the dispute.

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 2024-09-28 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: CA

Complaint narrative:
XXXX, XXXX, & Equifax are report inaccurate information on my credit report. XXXX are reporting accounts that at XXXX years old and will not remover them. Also all 3 credit bureaus are reporting a XXXX XXXX Credit card on my credit report and I have called and went into the bank branch and they have no record of the account in their system. Ive disputed the account several times and they continue to verify false information. I am in the process of buying a home. The account has late payments and because XXXX XXXX doesnt have any record of the account they cant remove the late payments, which is the reason for the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data and Contact Management Solutions, LLC
State: NJ

Complaint narrative:
DCM Services , LLC has sent me a letter in the mail stating that they are a debt collector and that I owe a debt to XXXX XXXX. I do not owe XXXX XXXX  nor DCM Services , LLC the alleged debt amount of : {$15000.00} Please see attached pdf document ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX / XXXX acct # XXXX with {$200.00} bal., XXXX XXXX acct # XXXX bal. {$1800.00}, XXXX acct # XXXX, bal. {$1300.00}, Also XXXX collections accounts, XXXX XXXX acct # XXXX, bal. {$200.00}, XXXX XXXX XXXX, acct # XXXX bal. $ XXXX.These accounts have resulted in several fraudulent hard inquiry and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiry in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to address the ongoing issue of inaccurate account information on my credit report that has not been removed following seven unsuccessful reinvestigations. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and related laws. 

Basis for Dispute : I have previously submitted multiple disputes to Experian regarding inaccuracies in the account listed below, providing clear evidence of the errors and requesting its removal from my credit report. Despite seven reinvestigations, the inaccurate account remains on my credit report, which is a clear violation of the FCRA and applicable regulations.

As per Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA and 15 U.S. Code 1681i ( 5 ), if a reinvestigation does not resolve the dispute, the credit bureau is required to delete the disputed information. The repeated failure by Experian to remove this incorrect account information has caused me significant financial harm and distress. 

Account Information : Account Number : XXXX Creditor Name : XXXX I request that the Consumer Financial Protection Bureau investigate this issue and take necessary legal action to ensure that Experian complies with the FCRA. I am also requesting the immediate removal of the inaccurate account information from my credit report. 

The inability of Experian to properly handle this matter has negatively impacted my credit standing, and I am seeking your assistance in enforcing the legal obligations Experian is required to meet under the 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 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unauthorized transactions, fraud .. and they didnt give me my money back because the banker didnt do the second dispute right. They say it was over the 30days but it wasnt. They didnt give me the chance to make another dispute for the more recent fraud transaction that still fell between the time frame of the contract. So now Im left with nothing and {$5500.00} gone

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 2024-09-28 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: PA

Complaint narrative:
My name is XXXX XXXX and this statement is being composed by me. These inquiries and incorrect information should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these inquiries and incorrect information listed IMMEDIATELY. POLICE AND FIRE FCU/PA, POLICE AND FIRE FCU/PA, XXXX XXXX XXXX XXXX XXXX PA 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 2024-09-28 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX i noticed a charge i did not make on card # XXXX called bank was told to cut up card. new one arrived. no problems for a week or so then saw the same charge back on my new card # XXXX called bank and was told there was a problem and card # XXXX was being sent.card # XXXX was sent to XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX on XX/XX/XXXX there were XXXX charges totaling XXXX these charges were made in person in michigan. within the hour of these charges being made i was in a truist bank in XXXX ga. I DID NOT MAKE THESE CHARGES. my online banking was hacked and all my info was changed so the bank sent my new card # XXXX to michigan. XX/XX/XXXX truist investigation determined that since the chip card was present at the locations in michigan they denied my claim and have charged me intrest and late fees. my balance now is XXXX my credit score has dropped XXXX points and have have collections calling me. i want someone at truist to get to the bottom of this and clear my balance and fix my credit. These charges were removed from my account on XX/XX/XXXX and i thought that was the end of it.I had no communication with them until my credit score went down and i logged on to my account and the charges were back on there with intrest and late fees. I received a letter in the mail dated XX/XX/XXXX this was my first contact since i thought my acconnt was clear. I have never had any problem with Truist bank before and the people at the bank have been real helpful but who ever they report to have dropped the ball on this case.

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 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
XX/XX/year> {$35.00} XX/XX/year> {$34.00} XX/XX/year> {$45.00} All Three was Canceled By The Merchant and funds were supposed to Be Returned to sofi Banking institutions I was Told that the {$35.00} would Be Released on XX/XX/year> at it wasn't Sofi claim They Don't have any record of that Transaction i have Screen shots they were all pending on XX/XX/year> the {$35.00} was showing pending now its not showing at on on XX/XX/year> the hold Released Date im Not getting a Direct answer from Either company 's access correction or sofi Banking institution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
Your Account Information : Account Number : XXXX Client Name : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Amount : {$690.00} First Payment Due : XXXX Payment Amount : {$94.00} Interest XXXX % Paid in Full : XXXX {$690.00} The first payment for this account was XX/XX/year>. To take advantage of the XXXX interest free offer I paid the account in full on XX/XX/year>. Instead of reporting it on my credit report as paid in full/account close, they reported it on all three reports as Charged-off. This reporting made it almost impossible to qualify for a VA home loan, because it dropped my credit score by XXXX points.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: TN

Complaint narrative:
Inaccurate Late Payment Reporting : Despite accounts being listed as " never late '' on my credit report, Experian has reported that I have 14 late payments. This discrepancy is damaging my credit score without any visible justification or support on the report itself. 
Lack of Transparency : Experian has failed to provide clear information regarding which accounts or companies are allegedly reporting these late payments. I have requested detailed information on the sources of these late payments, but Experian has not provided this information, which raises concerns about the accuracy and transparency of their reporting practices. 
Incomplete Account Information : Experian is reporting an account from XXXXXX/XX/XXXX Owner ( Account Number : XXXX ) as a negative account, yet the report lacks critical details such as account type, status, balance, original balance, monthly payments, and payment history. This incomplete reporting is misleading and further impacts my credit score negatively without proper justification. 
Failure to Resolve Previous Dispute : I submitted a dispute regarding these issues on XX/XX/year>, but Experian has not resolved the dispute. Despite providing evidence and following up on the dispute, the inaccuracies remain on my credit report, and I have not received a satisfactory response or correction from Experian. 
Potential FCRA Violations : Experian 's failure to provide complete and accurate information, their lack of transparency in reporting late payments, and their inability to resolve the dispute may constitute violations of the Fair Credit Reporting Act ( FCRA ), specifically Sections 623 and 611, which require accurate and fully disclosed reporting.

Negative Impact on Credit Score : These inaccuracies and the lack of transparency in reporting have resulted in an unjustly lowered credit score, which could affect my ability to obtain credit or other financial opportunities.

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 2024-09-28 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: CA

Complaint narrative:
On my Transunion report it shows an account from Current that is on my Transunion report that is not mine I have no knowledge of this account and I did not open a secured credit card with current I have no cards no account with that financial company.

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 2024-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: TN

Complaint narrative:
The debt collector violated the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692g 809 ( b ) by failing to notify me of my right to dispute the debt and by not properly validating the debt as required by law. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: GA

Complaint narrative:
I have disputed with this company regarding late payments reporting to my credit report. 

I am now writing to dispute the accuracy of the information that's on my credit report. According to the Fair Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report for late payments. 
According to The Fair Credit Reporting Act all these laws should apply to my credit report as well. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n

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 2024-09-28 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: CA

Complaint narrative:
XXXX. XXXX XXXX continues to report hard inquiries at least XXXX x a month to credit bureaus 2. Revolving account payment amounts continue to be reported incorrectly to credit bureaus. 
3. My credit bureaus continue to advertise fraudulent and inaccurate about my payments and finances to potential creditors and landlords. 
4. Old information continues to be advertised on my credit report 5. My privacy has been violated and my information shared without my consent to 3rd party companies.

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 2024-09-28 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: CA

Complaint narrative:
XXXX. XXXX XXXX continues to report hard inquiries at least XXXX x a month to credit bureaus 2. Revolving account payment amounts continue to be reported incorrectly to credit bureaus.

3. My credit bureaus continue to advertise fraudulent and inaccurate about my payments and finances to potential creditors and landlords.

4. Old information continues to be advertised on my credit report 5. My privacy has been violated and my information shared without my consent to 3rd party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
They over charged for the car and the car was not worth it. It kept malfunctioning and the computer system kept going in and out. It was not a functioning car for the price

Company response to consumer: Closed with non-monetary relief