vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a checking account with Citibank on XX/XX/year>. I set up direct deposit for this account and used it responsibly. No NSF charges, OD charges, or anything. On XX/XX/XXXX, I used my debit to pay for lunch and it was declined. There is plenty of money in this account. I tried again and it declined. I ended up paying for lunch using another payment method. On Monday, XX/XX/XXXX - I receive a call from Citi Fraud department telling me that they have frozen/restricted my account. I asked why and no one could tell me. I have funds in this account totaling {$660.00}. They will not allow me to access my funds to get them out. Now it's been almost one month and my account hasn't been closed yet. What is taking so long for them to close my account and send me a check? There is not a branch in the city I live so I am at their mercy. Citi deciding to close my account is completely absurd. Them keeping my money is totally ridiculous. I would like my money back. I have spoken to several departments ( including Executive Response Unit ) and no one has done anything to rectify this. I am very frustrated and concerned that I will not receive my money.

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 2024-07-09 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Collection Agency DEBT RECOVERY SOLUTIONS, L XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Re : Account Number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Credit Report Notice : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt listed on my credit report under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I received a notification that this debt was reported to the credit bureaus, but I have not received a validation letter from your agency as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

According to the FDCPA, debt collectors are required to send consumers a written validation notice within five days of their initial communication regarding the debt. This notice must include : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that unless the consumer disputes the validity of the debt within 30 days after receipt of the notice, the debt will be assumed to be valid by the debt collector.

4. A statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Collection Agency XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Re : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Credit Report Notice : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX To Whom It XXXX Concern, I am writing to formally dispute the validity of the debt listed on my credit report under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I received a notification that this debt was reported to the credit bureaus, but I have not received a validation letter from your agency as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

According to the FDCPA, debt collectors are required to send consumers a written validation notice within five days of their initial communication regarding the debt. This notice must include : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that unless the consumer disputes the validity of the debt within 30 days after receipt of the notice, the debt will be assumed to be valid by the debt collector.

4. A statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I reported an issue regarding a late payment and overcharge to Victoria 's Secret from Bread Financial. Since then, they have been calling me from various private numbers, which seems suspicious and unprofessional. I requested they contact me using their official number, but they refused, suggesting I call them back on another number that I couldn't verify online. I informed them that I already reported this issue to the Consumer Financial Protection Bureau and would wait for their response. Their customer service has been very annoying and unprofessional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I was working with XXXX in 2020. I am unhappy that somehow NelNet ended up with my loans. The problem is that I was being redirected to nelnet.studentaid.com instead of nelnet.studentaid.gov and I am not going to work with XXXX XXXX for any reason whatsoever. I did not consent to XXXX XXXX being involved in any of my finances at all. I want them prosecuted for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCI Credit Services, Inc.
State: MT

Complaint narrative:
On XX/XX/XXXX I got a letter stating that DCI collection service was going to garnish me wages for a debt owed by my ex husband that's also a debt he got XXXX in his bankruptcy. And on another note this debt was from 2014 that is also a Statue of limitation.I do not owe this debt and I don't feel like it's my responsibility to pay it if it's already been taken care of and we are divorced

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The CMI Group, Inc.
State: PA

Complaint narrative:
credit management has called several times, ive returned call and aked for validatin of claim numerous times, asked not to call and send all info to address on file and they persist on calling and leaving messages, from XX/XX/year> i have recieved over XXXX calls and messages and they were instucted not to call again i have phone proof just in case they deny

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was reviewing my credit report and noticed that I had some inquiries that I did not recognize.

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 2024-07-09 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/year> I purchased a computer from Best Buy and was told I would receive a 5 % discount if I opened a Citibank/Best Buy card and that I did not have to utilize the card that day. I picked up the computer on XX/XX/XXXX. and was given a bill for {$300.00} and I questioned the amount ( correct charge is {$710.00} ). I used XXXX Bank XXXX XXXX card to pay the {$310.00} ( taxes ). That is when the problems started ... .as Best Buy charged ( not me ) the {$710.00} to the credit card. I filed a complaint with the Consumer Protection State of Maryland. Best Buy has admitted that I have paid the account the {$710.00} XXXX XXXX XXXX XXXXXXXX Credit Card and Checking account ) and that they are not due any additional funds. Citibank/Best Buy refuses to remove the {$300.00} charge and now the account, with past due charges and interest is {$400.00}. I have repeatedly called Citibank ( over XXXX times ) and they will not remove the charges. I never authorized the charge and do not owe any further amounts. In addition, my credit score has taken a major impact from XXXX to XXXX!!! Also, due to date I have not received a credit card from Best Buy and/or Citibank and do not wish to have a card!

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 2024-07-09 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: NJ

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 XXXXSC 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 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 explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Tried to get annual report from TransUnion. I have tried for at least 3 times. When I enter in the info they need, it states unable to identify me. I tried calling the number, but unable to get thru to complete. I had been hacked in XXXX and try to monitor. Recent request for line of credit from bank showed my credit score being XXXX from them. One being two many personal finance accounts. I only have one, the rest is closed for several years ( XXXX last one )

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 2024-07-09 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: IN

Complaint narrative:
I recently disputed these items listed and I don't believe a proper investigation was done. You have failed to properly investigate and remove these frivolous personal information and have not provided validated proof of any findings that prove these personal information was authorized by me. These personal information should be deleted immediately. I also attached a copy of the FTC report including these fraudulent personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PAID IN FULL, INC.
State: AZ

Complaint narrative:
CFPB To Whom It May Concern : I am writing this statement to bring to your immediate attention a case of predatory and deceptive practices involving a collection account with PIF IncXXXX XXXX XXXX XXXX This matter has caused significant financial hardship and emotional distress, and I seek your urgent intervention. 

Despite numerous attempts to dispute this inaccurate debt/collection account, the account continues to report on my credit report. I have contacted IPF numerous times for which they have stated that they have NO record that this account has ever belonged to me and are therefore unable and or willing to provide the proper debt validation documentation that I have requested. 

This continues to be utterly shocking and distressing as I have continued to request validation of this debt with XXXX response from IPF. Upon discovering this erroneous collection account, I immediately contacted XXXX XXXX, XXXX and XXXX XXXX as well as IPF. They ( IPF ) confirmed that the account is not verifiable. Despite their acknowledgment, the collection account continues to be inaccurately reported by IPF to XXXX XXXX, XXXX, and XXXX. 

For several months, I have been disputing this incorrectly reported debt with the aforementioned credit bureaus. Despite my persistent efforts, this false information remains on my credit report. This ongoing issue is not only frustrating but has also caused me severe financial hardship. The inaccurate reporting has adversely affected my credit score, making it difficult for me to secure loans, housing, and other financial opportunities. The continued presence of this erroneous collection account on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Their continued predatory practices and blatant disregard for my consumer rights, needs to be addressed. The continued lack of response to remove the item from my report is predatory and deceptive, causing unwarranted damage to my financial standing and peace of mind. I respectfully request that the CFPB intervene in this matter immediately. I urge you to investigate this issue and ensure the immediate removal of the inaccurate collection account from my credit report. This correction is essential to restore my financial integrity and protect my consumer rights. Thank you for your prompt attention to this urgent matter. I trust that the CFPB will take swift and decisive action to rectify this grave injustice. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: IN

Complaint narrative:
I never had an account with any of these debt collectors. ( example XXXX XXXX ) I am asking for the original contract that was signed with the debt collectors.

Please remove all of the accounts from 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 2024-07-09 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I never had an account with any of these debt collectors. ( example XXXX XXXX. ) I am asking for the original contract that was signed with the debt collectors.

Please remove all of the accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
I called and canceled this card in XXXX. They left it open, creating an annual fee that came up as delinquent. I never activated or used that card. When I called them, they told me that I had canceled an already closed account. I explained that they had made a mistake and needed to report it to the credit bureau because I had closed the account. They told me they would send me a XXXX balance letter. Which they did. I'm reporting this because it seems like they are doing this to many of their clients.

Company response to consumer: Closed with explanation