vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: TX

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.

has violated my rights. Or a list of inquiries : 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 2024-01-08 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: TX

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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
About XX/XX/ I got alerts from identity guard about 30 day past due notice on mortgage that I am the co borrower in which I was never contacted on by the loan servicing company XXXX XXXX nor was I notified of data breach. Since I have been made aware all payments have been posted. XXXX XXXX did not follow the proper guidelines as established in there delinquency policy, had proper guidelines of notification been done this situation would have not accelerated in regards to payment. Data breach better security systems should be in place and consumer information would not be compromised.

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 2024-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Order number XXXX. On XX/XX/XXXX I opened a Macys credit card to use the promotional offer of 25 % your first purchase which I had to do online because I had not received my physical card. I received my package with item missing. I emailed them about and they never replied or answer calls. About a month later they called back asking why I didnt send my first credit card payment. I told them I had no way to because they never sent me the physical credit card so I can access the credit card portal. On top of that I have not received credit back for item missing. I also informed them they need to send me a new card because it may have got lost in the mail. I also told them they should remove any late fees as it was an issue with their end. They agreed to all the above and about a month later last week I realized my bill has changed and the new card has not been sent. I called them today to ask why and they said they never submitted a claim for a new card and that my refund claim is denied. So now my credit card is saying I owed over {$200.00} when it should be less than {$100.00}. I will never buy anything from Macys again. I want to sue them as well for wasting so much of time and for emotional distress.

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 2024-01-08 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: AZ

Complaint narrative:
1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them. 

Delete these fraudulent items below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and illegal inquiries listed on the FTC I have provided.

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 2024-01-09 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:
TransUnion is reporting a collection with XXXX XXXX XXXX in the amount of {$29000.00}. I have requested a copy of the original contract, with my signature on it pursuant to my rights afforded me by section 609 of the Fair Credit Reporting Act. I have not received this signed contract after multiple requests, however the collection remains on my credit report.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My student loans were forgiven in XXXX of XXXX. As of XX/XX/XXXX, my credit report did not show this. I contacted XXXX and Equifax to ask that it show paid in full closed. Equifax responded by showing the original loan amount as paid but left what appears as interest still owed on the account. I have not been informed by any agency that loan interest was still due. It is my understanding that the whole of the loan is forgiven. 

In the summary of my credit report, Equifax still shows that I owe the full loan amount. 



I would like my credit report to correct this issue on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gatestone & Co. International Inc.
State: IL

Complaint narrative:
XXXX XXXX  I received the email from Gates stone with proof of verification of debt from XXXX XXXX XXXX. I responded to the same email XX/XX/XXXX  asking for proof of validation of debt. XX/XX/. I then emailed again requesting proof of validation of debt with no response to neither email with the appropriate documentation. I didnt requested that this collection be ceased as they do not have the appropriate documentation to prove the validation of this debt claim to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Colony Brands, Inc.
State: DC

Complaint narrative:
Order a pair of leggings from ASHRO high end clothing company since XX/XX/XXXX ; I called the company to request an exchange for a smaller size. The Clerk did not put in a replacement for the item and she emailed me the return labels for the Item which I returned to the Company on XXXX XXXX XXXX To date I have not received the exchange which would be a XXXX ; or a credit to my account indicating that I paid for the item and it had been returned. everytime I call the company which I called today XXXX XXXX XXXX there is more confusion and I was told by this clerk that the previous clerk failed to indicate that I wanted a replacement of a smaller size. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I was going to refinance my home to have my deed changed to get my ex wife off of the deed. I had scheduled an appraisal but do to legal issues I had to hold off on the appraisal. My loan officer XXXX XXXX told me she would hold the XXXX appraisal fee until I was ready. I called on XX/XX/4 and was told by a Rep that they had no information at first on my account, then she came back on the phone 45 minutes later and said that the check was refunded to us they next day after we paid the fee, but had no check information or EFT. She advised she was going to send us a refund letter to my email that we never got. My payment had NEVER been sent back. They will not answer my calls. I called 5 more times after and they keep disconnecting my calls. Also the loan officer is no longer working there is what I was told. XXXX XXXX, and XXXX XXXX. Were the XXXXwo I was working with.Also changed my loan # without my knowledge. I think that they are ripping me off with my PMI and my mortgage payments as well Please help. Thank you. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: TX

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts to rectify the delayed opening of my account with Credit Bureaus. I have made several efforts to resolve this matter, but unfortunately, the issue remains unresolved. 

I initiated the process of opening an account with your institution. However, despite my timely submission of all required documentation and compliance with the stipulated procedures, the account opening process has been significantly delayed. 

Subsequently, I have contacted your customer service department on multiple occasions, providing the necessary information and documentation as requested. Despite these efforts, the issue persists, and my account remains unopened. The lack of responsiveness and failure to address this matter in a timely manner are causing me undue inconvenience and frustration. 

I have attached a comprehensive timeline of my interactions with your institution, including reference numbers and details of each attempt made to resolve this matter. I urge you to review this information thoroughly and take immediate action to expedite the opening of my account. 

I understand that unforeseen challenges may arise in the account opening process. However, the repeated failures to rectify the situation and the lack of communication have left me deeply dissatisfied with the level of service provided. 

As a valued customer seeking to establish a relationship with your institution, I expected a smoother and more efficient account opening process. I trust that you will address this matter promptly and provide a resolution to ensure a positive customer experience. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I will be compelled to escalate this matter to relevant regulatory authorities and consider alternative options for my banking needs. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: AL

Complaint narrative:
i was never late on any accounts! 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.remove this account or face violation {$1000.00} per volation

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 2024-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX the XXXX XXXX  someone took money out of my savings account. Using my card/pin, some where along my card have had gotten cloned or hacked or something. Late night I checked my account notice my balance was low I called Citibank to start a dispute 10 days later they denied it. I disputed their decision 2-3 times and they still refuse to give me money back. Even though the funds are protected fdic and fraud. Today XX/XX/XXXX I spoke with another person XXXX from Citi and this guy was rude telling me Citi would never give me my money. Im disappointed with this bank Ive been banking with them for years and this is the treatment I get. They made me feel like a peasant.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2024 Dear Experian and XXXX, It has been over 90 days since I made my initial dispute against the fraudulent late payments on a few accounts on my Experian credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts 1. XXXX XXXX Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) 2. XXXX XXXX Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete the late payments on this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented Equifax data breach. Attached are my consumer credit report and the necessary documentation from Equifax confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by Experian and TransUnion to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you, 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 explanation
Consumer complaint received 2024-01-09 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:
I recently sent in report expressing to the three major private credit bureaus that the following accounts are not mines, nor did I give any agency permission to report any account on my behalf to any third party or private agency .There are many consumer laws to protect the privacy of individuals like myself.

I'm demanding that the following unauthorized accounts be removed from my consumer / credit report. 

XXXX. XXXX XXXX, a duplicate double account reporting and both needs to be removed immediately. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts should be removed and blocked from my consumer report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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:
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 2024-01-09 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: FL

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 2024-01-08 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: TX

Complaint narrative:
CFPB Complaint XXXX TransUnion fail to provide any documentation that I requested for them to provide. I really hate the fact that a company can respond to a complaint and isn't held responsible when asked for documentation to prove their response. Again I am asking for documentation that allows you to report consumer financial responsibilities to a third party. PLEASE PROVIDE DOCUMENTATION TO PROVE YOUR RESPONSE FROM COMPLAINT # cfpb 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