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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Problem having with experian is reporting a account that has passed the statue of limitations meaning more than 7 year old account

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 2024-01-05 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: NY

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have communicated several times with you ( Experian ) concerning the persistent presence of inaccurate information on my credit report. Despite multiple notifications highlighting these errors, you persist in reporting incorrect details within my file. This situation not only raises concerns about fairness but also suggests potential violations of legal standards, making it imperative for you to promptly fulfill your obligation in addressing this matter. According to regulations, you ( Experian ) must take corrective action in response to my request. 

I am formally requesting a detailed description of the procedures employed by you ( Experian ) to determine the accuracy and completeness of the XXXX XXXX account in question. Additionally, if no information related to this account can be produced, I request that it be blocked and deleted from my consumer report. I anticipate the implementation of this corrective action within four days from the date of receipt of this notice. 

Your prompt attention to this matter is greatly appreciated.

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 2024-01-05 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:
I looked at my credit report last month and i saw some accounts that i didn't recognize. I called the creditors and found out that these accounts were open without my knowledge. I called the credit bureaus and followed their instructions but they haven't removed them yet.

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 2024-01-05 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: CA

Complaint narrative:
I looked at my credit report last month and i saw some accounts that i didn't recognize. I called the creditors and found out that these accounts were open without my knowledge. I called the credit bureaus and followed their instructions but they haven't removed them yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XXXX I tried logging into my Ally Bank account. It said my password and username did not match. Which was weird to me because I have it saved in my iphone in the passwords options so I haven't changed the login information in years. I then try to reset my password and it says my account is blocked. 

So then I called Ally and they tried resetting it and it didn't work. Then they tried to give me a newpassword it still did not work. I have no access to my accounts at all. They transfered me to a technical associate and they still don't know what's going on. Usually I wouldn't worry as much but I just paid all of my bills so i don't know if there's enough in my checking. Secondly, I am abroad and will be until XXXX XXXX so not having access to my money is a big issue because I only took out XXXX in cash.

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 2024-01-05 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:
According to The Fair Credit Reporting Act ( FCRA ) and LAW, It is ILLEGAL to report TRANSACTION HISTORY to a consumer report. I have already opted out of this type of unlawful stuff. 

Please remove this history immediately from my reports. 

I am giving 5 business days for this to be completed. 

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 2024-01-05 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: TX

Complaint narrative:
According to The Fair Credit Reporting Act ( FCRA ) and LAW, It is ILLEGAL to report TRANSACTION HISTORY to a consumer report. I have already opted out of this type of unlawful stuff. 

Please remove this history immediately from my reports. 

I am giving 5 business days for this to be completed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: CA

Complaint narrative:
I was applying for an apartment and there was an issue with pull my report for Equifax. After calling multiple times they just tried to tell me I have no exsisting credit and that I would need to submit my documentation to prove I am who I say I am which I did, I follow up a month later and they do not have any of my information on file still. After speaking to my creditors XXXXXXXX XXXX was able to verify that Equifax had deleted my information due to an error that may have acured. I kept asking Equifax why is that all other Credit Bureaus are able to pull my information and yet you guys are not but they were not able/willing to do the work to figure this out. I then advised Equifax of the new information given by XXXX and contact the consumer affairs department I submitted my documentions and was told this would be resolved. This began in XXXX XXXX and I am now following up in XXXX XXXX  they advised me that the agent had submitted my information wrong and that I would have to wait another 30 days to get this resolved I asked how can I know this will be resolved I was not given any further description besides a claim number. I have spent over XXXX XXXX in application fees for apartments. Im not able to move due to this issue which is causes me extreme stress and nothing seems to be done about this. Where did my information go why did no one call me why cant I speak to a supervisor, and why can I make no complaints about the the service at Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-05 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: IN

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NY

Complaint narrative:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2024-01-05 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: NY

Complaint narrative:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2024-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portafolio Recovery is trying to collect on debt not owed by XXXX XXXX. The debt was opened XX/XX/XXXX by XXXX XXXX XXXX and the other one was on XX/XX/XXXX. Both debt was by original owned by XXXX XXXX XXXX, which have no agreement, and have never done any contract or transaction with them. The amounts for XX/XX/XXXX is for {$1900.00} and is reported as open on the XXXX XXXX credit reports. The other amount is for XX/XX/XXXX for the amount of {$1900.00} and is stated open under XXXX XXXX. When I disputed the first amount for {$1900.00} for XXXX, Portfolio Recovery did not respond back instead they added a new one for the XXXX which was not on my report previously. This deceptively added a new unknown debt to my credit report from source I have never dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: American First Finance, Inc.
State: TX

Complaint narrative:
American First Finance is taking payment from my checking account after I have paid off account on XX/XX/23. Per my conversations with them on the phone to pay off account within 90 days I did the payoff on XX/XX/23 for $ {$1200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have two issues with Experian. 

1- They are reporting accounts that should be deleted/blocked/suppressed as they are related to fraud. I have sent documents to them several times via experian.comXXXX and they keep telling me they dont have them.

2- They are reporting a bankruptcy that they should not be. I disputed it with them and they referred me to a third party company called XXXX. I contacted XXXX and they responded telling me they contacted Experian by Experian never responded. I also contacted the court associated with the dispute and the court responded saying the case 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 2024-01-05 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: LA

Complaint narrative:
Accounts not properly updated following multiple multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
I received a rewards check from HSBC Bank dated XX/XX/XXXXXXXX Since then, they have sold my account and others to another bank, so my account with them was closed. 
I have been XXXX XXXX XXXX XXXX XXXX XXXX early last year and was unable to deposit the check before it expired 6 months later. 
I called HSBC on XX/XX/XXXX and was told they would reissue the rewards check. When I still hadn't received the check by XX/XX/XXXX, I called back. The lady I spoke with said that she saw a note in my account, but no one had done anything about it, and she said she would call me back in a day or two, but I never heard back from her. 
I called again today on XX/XX/XXXX and was transferred to the Rewards department, but since my card is no longer active, I couldn't make it through the automatic menu to talk to a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: VA

Complaint narrative:
Dispute case number XXXX for the amount of XXXX  was denied ; no information given for denial ; customer service can not provide any answers ; can not even speak to a supervisor ; an order was placed with a merchant and no item has ever been received or delivered for this transaction ; Cash app is not providing any assistance ; I want the money placed back into the account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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:
My comfortability and livelihood has been tampered with due to Equifax continuously violating my rights. I addressed this issue before about Equifax reporting inaccurate and incomplete information on a XXXX account. I have attempted different times to have this item disputed and verified but Equifax sent me correspondences claiming that it was verified with no proof. I received a letter dated XX/XX/2023 from Equifax that states they received my dispute and they will not be conducting further investigation into this particular account at this time. By them sending me this correspondence, it proves that I have disputed this account and they refuse to note it as disputed on my credit report which by doing so, they have violated my right under FCRA Section 623 ( a ) ( 3 ) to have this account noted as disputed in which they failed to do so repeatedly. This inaccurate, incomplete and erroneous reporting to my credit report is causing a lot of stress and headaches for my family and I.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
1. False advertising : See the hiperlink : a. Credit Card : XXXX XXXX from Capital One b. They Advertising : XXXX XXXX XXXX - Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within the first three months from account opening - Purchase Rate 0 % intro APR for 15 months ; 19.99 % - 29.99 % variable APR after that 2. They don't give me a {$200.00} introductory offer bonus for spend {$500.00} in the first 3 months after opening the account. And also do not give an introductory interest of 0 % for for 15 months on purchases/ 3. I Actually spend in purchase {$1200.00} and they charge me {$31.00} of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
I received a letter from Synchrony Bank, dated XXXX XXXX XXXX denying a credit card application for a PayPal Credit Account that I never applied for. It stated that I requested to open an account on XX/XX/, which I did not do.

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 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affiliated Management Services
State: MO

Complaint narrative:
I do not have a contract with this company. I have attached a letter to this complaint requesting validation. I do not recognize this account.

Company response to consumer: Closed with explanation