vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 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:
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 2024-07-10 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: Colony Brands, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX generated report number XXXX. MONTGOMERY WARD allegedly updated and verified the account in question. However, after review, it has come to my attention that the payment history and account status are still inaccurately and incompletely reported. XXXX must correct these inaccuracies immediately, as their incoherent reinvestigation findings were willfully reported to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have previously disputed { PUBLIC RECORD } on XX/XX/year>, and in response, you verified the item as accurate, stating that you have verified the information with the court. 
I contacted the court, and their response is enclosed. 
It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. 

Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681A ), Right to Privacy.

The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681B ), Permissible Purpose.

Therefore this information must be deleted immediately. 

I have attached a letter from the courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Repeated calls, old debt over XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
After reviewing my credit profile I noticed quite a few inquiries that are 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 explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was charged ridiculously for fees and my car was repossessed when i no longer could afford the extra fees they were charging its like i paid every month on time and my payment loan would not decrease its like i was paying for ridiculously high interest rates my payment basically went to cover interest rates not the car payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account with ( XXXX, XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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:
I do not recognize the negative accounts on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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:
I do not recognize the negative accounts on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We have received formal notices by mail just yesterday from Citibank to close our checking and savings accounts for myself, my wife, and our XXXX children ( custodial savings ) who are XXXX. We have been customers of Citibank for over 20 years and we do not understand why this is happening. On top of the checking and savings, we have a number of primary credit cards from Citibank, a mortgage for our primary home, investment/securities accounts as well as securities based loan and all of these accounts are highly intertwined with payments, bills, and deposits automated to various accounts. The letter from them implies that per the terms and conditions they can terminate any relationship/account at any time for any reason. Their decision seems arbitrary, capricious, and perhaps discriminatory and come without any sort of recent inquiries from a XXXX dept nor a business risk department. It is out understanding that if there were some actions or activity in our accounts that were in question, then we should have been asked about it or had a chance to explain. There was no formal verbal or written notification or warning given of any activity that is questionable. I reached out the local branch manager ( XXXX XXXX ) who mentioned something about possibly having too many in and out transactions, wires, or otherwise but could not really elaborate further. She seemed to imply that we have done nothing wrong, that she has known us for years, and our relationship manager should be able to rectify this. I reached out to our ( newly assigned and does not know us well ) relationship manager XXXX XXXX who also could give no answers, stated he had no authority, and did not seem to place any importance at all on our situation or want to be bothered. We have simply only used our accounts for banking activities which are the sole reason customers keep accounts at banks. Had anyone had any questions or asked us for documentation to substantiate any activity we have always been ready to provide and are ready now to provide it as well. The thoughts having to reopen all of those accounts elsewhere in the timeframe of the next 12 business days that remain is heart breaking let alone rerouting all of those automatic bill payments, deposits, transfers etc. We are highly suspicious that they have taken this action against our XXXX family because we have chosen not to participate in certain investments with their investment team which they have repetitively tried to discuss with us that would generate more fees for them. The fact that a bank can just do this to a hard working family trying to exist and live the American dream should be illegal.

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 2024-07-10 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: NY

Complaint narrative:
PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID ON TIME PURSUANT TO 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: NY

Complaint narrative:
PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID ON TIME PURSUANT TO 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
my father opened a XXXX  account for me in venmo to receive my irs XXXX and other checks for me as a teen. This has been the worst experience of my young life... 

The account was opened by venmo and money was deposited into it that usually came to me by physical check. BIG MISTAKE. As soon as any money landed, they froze my account because my father who was out of the country, checks the deposit. They said that it was suspicious that someone outside accessed the account... fair enough. We went through weeks of back and forth and they said thatbon XX/XX/XXXX, they were holding my money for 180 days.. 

Somehow, venmo decided to close my father 's account that he had had for more than 8 years. Because of my debit. 

We tried to find out what happened but venmo just keeps giving us the run around and my father even filed a case here with wihcih they said our transaction flagged their security and we had to wait 180 days to clear. That was on XX/XX/XXXX. 

A week ago, on XX/XX/XXXX I received and email not which I have attached that my funds were cleared from any hold, attached, and I could get my money. Fine.. contact us to withdraw. 

But this process has been impossible to simply close my account and get my money back. They sent me a message saying my father is the legal owner of the account that he should contact them to close the account but for 5 days he has been trying to even get a response. Nothing. The run around and very aggressive customer care people who hang up the phone on you repeatedly ... with endless false and repeated messages and a non exostent customer care who even sit and laugh at you. 

This is America.. how is this even possible. How are these people getting away with this.??? How are they legally allowed to operate as a financial business in AMERICA? I have read online how they steal money even from our veterans and withhold money and frustrate people till they give up. Our XXXX, veterans and old people are being targeted by this company. And I will not rest till I expose this. And how the fdic is letting this happen in our country.. there are thousands of people online complaining of the same exact thing happening to me and my dad. 

I have attached the clearance letter and letter telling my father to collect. But then they don't respond to him. So in essence. This is a hostage like situation. I am sick, very sick with XXXX XXXX, and these people have made my family look like scammers to get our own money. When they are the ones doing this with endless meaningless and all over messages. They have A.I. messages answering you and repeatedly asking you for the same information dozens of times. 

How is this company operating in america??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ava Finance, Inc
State: LA

Complaint narrative:
The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with ava finance , I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with ava finance customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights. Ava finance is tarnishing my name and credit profile by reporting these 7 late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: FL

Complaint narrative:
On XXXX XXXX I reviewed my credit report and noticed a discrepancy showing there is a collection on my report for a company name First Credit services in the amount of {$970.00}. I immediately called the number listed on my credit report and spoke with a gentleman name XXXX and advised him that I am a victim of fraud and identity theft and please provide me clear copies of the documentation provided to open the account so that I may forward this information to the proper authorities in order to rectify this situation. I was advised to email a letter to their Fraud department in which I promptly sent over the request and followed up the email with a certified letter to the address listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: NJ

Complaint narrative:
XXXX showing collection this is paid XXXX XXXX it was marked as fraud and company notified report bureau XXXX XXXX marked fraud I got letter last month that company would notify credit bureau XXXX XXXX marked as fraud as well still showing collection XXXX XXXX its two of them I paid and settled both still showing as not paid

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 2024-07-10 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 hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: WI

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-07-10 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: WI

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Anytime i apply for a chase credit card they decline me

Company response to consumer: Closed with explanation