vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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 am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial standing.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.

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 2024-07-25 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: FL

Complaint narrative:
Good afternoon. I am writing to dispute two collections listed on my credit report, which I believe to be incorrect. The collections with the numbers : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
This company calls me every day multiple times from different phone numbers for months, maybe a year. They leave a voicemail every time. I called them to see what they wanted. They are from Thunderbird Collection Specialist and they want to know if I know an XXXX and I told them I do not and to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Commencing on or about XXXX XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXXXXXX XXXX which involved me making deposits for a total amount of XXXX USD from my PayPal account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: IL

Complaint narrative:
I am a victim of identity theft, I do not identify as any other names. I only identify as XXXX XXXX and my current and only address is XXXX XXXX XXXX, XXXX Illinois 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 2024-07-25 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: NY

Complaint narrative:
I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial standing. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Concord Servicing Corporation
State: MN

Complaint narrative:
The original creditor ( XXXX ) started calling me repeatedly, sometimes multiple times in a single day, starting on the FIRST day after my payment was late. I had never made a single late payment before, and I had called ahead of time to ask if they would be willing to work with me because I didn't have the funds for the payment. I was told that they would not work with me until I had at least a few late payments. So I took the advice of the creditor themselves to stop paying for a few months so that I could get hardship assistance. After two missed payments, they transferred the debt to a third-party debt collector ( Concord Servicing I believe- I have never received a single notice of this transfer, so I am going by what they told me ) who has resumed the harassing phone calls. They have had my debt since XX/XX/year> and have made 30 phone calls in just 25 days, one of them being to my work ( which is incredibly embarrassing ). I finally answered them today ( XX/XX/XXXX ) and told them that they have been harassing me and that it needs to stop. They told me they can call as much as they want because I owe money and that if I get up to date on my payments, they will stop calling. I told them truthfully that I am a single parent, working multiple jobs and still unable to dig out from being abused ( financially and otherwise ) my whole adult life, and that I am on the brink of filing bankruptcy because I simply do not have the funds for even one payment and again that they need to stop harassing me. He told me that I am wrong and they are not harassing me because they are third-party collector. I told him once again I do not have the funds for a payment and he told me that I need to ask family and friends, then. I told him again that I was in a longXXXX XXXX XXXX and was isolated during that time and that I have nobody to ask ( not that I would even if I did ). I also told him that I was forced to take out this loan to begin with against my will, at the threat of XXXX by my ex. He didn't care. He once again told me to make my payments. I told him that I had tried to get them to work with me before I even missed my first payment and they wouldn't, and he informed me that they would send me the requirements for a hardship request now but that I need to make my monthly payments in the meantime. He further told me that they won't review a hardship request without full bank statements. They seem very untrustworthy, and I am absolutely not comfortable sending them full bank statements with all of my other debt payments and other personal information included. I told him I would not be providing my bank statements and if they won't work with me, then I will simply have no choice but to fight the debt or file bankruptcy ( which I am on the verge of anyway ). He hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX BaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ive tried to call and explain and reason with all 3 bureaus but they keep updating the incorrect information. Ive mailed XXXX, XXXX, and trans union dispute letters but havent received any letter or response by mail and its been well over 30 days. These agencies are in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not.

5 inaccurate accusations of late payments. This is a billing error. Please correct this error immediately. This is misleading/inaccurate information, especially according to 15 usc 1666 , 15 usc 1666b , 12 cfr 1026.13.

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 2024-07-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2024-07-25 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: NY

Complaint narrative:
I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial standing. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: MD

Complaint narrative:
I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial standing. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I deposited {$300.00} cash in the Capital One bank branch on XX/XX/year> and they did not post it until XX/XX/year>. When i look online at my transactions the date of the payment says XX/XX/year> but funds were not accessible until XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: MI

Complaint narrative:
I recently looked at my consumers report and noticed several inaccuracies an accounts. These accounts is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for full accuracy. These are the accounts i am asking you to investigate. 1. ( XX/XX/XXXXXXXX account number XXXX ) XXXX. ( XXXX XXXX account number XXXX ) XXXX XXXX XX/XX/XXXXaccount number 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 2024-07-25 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: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, MO XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, MO XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I attempted to create an Experian account on XX/XX/XXXX to place a freeze on my account. When I logged in using my legal name, current address, and active email the website states that there is an error verifying my identity and to contact them at XXXX. I attempted to retry logging in on XX/XX/XXXX and am still unable to be verified, but directed to contact the company via the previous mentioned telephone number ( XXXX ). Upon calling Experian at that listed number, an automated operator directs you through a large series of questions. Despite attempting to go through multiple options on over eight phone calls, I was unable to be directed to an in-person technician who could verify my identity, allow me to place a freeze, or correct the login issues. If you request an operator, the automated voice then states, " I am only allowed to transfer you in certain circumstances. '' If you run through the menu again, but the automated answers are not correct for what you need, the operator will state, " We are unable to assist you at this time, please try again '' and disconnect the phone call. The automated operator would direct me to experian.com/help which would then prompt me to call the same telephone number. I finally reached a live person through experian, but stated they apologize as they are only able to assist someone with a data breech and redirected me to XXXX for further assistance. After dialing this phone number, I was sent to the same automated operator and started the entire circle over again. While on the phone with an actual person, I asked if there was an email she could send or someway to contact customer service with my name and phone number, to which she could only give me the previous listed phone number. As a credit institution, this process is entirely unacceptable. I have no means of contacting someone to assist in placing a freeze or verifying my identity. In this age of technological advancement, this experience is extremely unacceptable. I am trying to protect my personal and financial information, but am unable to with this type of customer service and assistance. In the same day, ( XX/XX/XXXX ) I created an account with XXXX and XXXX without any issues and was able to place a freeze with both bureaus. I would really love some assistance in being able to protect myself and hope that others are not as deterred or frustrated as this experience left me. 
Thank you for hearing my complaint.

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 2024-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Transfer Date : XX/XX/2024 Amount transferred XXXX USD From my BOFA account to my foreign account XXXX XXXX XXXX. 
BOFA offered me two ways, one is free if transaction is by foreign currency and second is for XXXX XXXX  if transaction is by US dollars. I selected by foreign currency as it was free. But later on I found out that BOFA used own exchange rate with is well less than normal exchange rate offered by currency exchange market. I realized it after XXXX days. Resulting the loss of around XXXX USD at the end. 
According to XXXX XXXX market for XX/XX/2024 the rate was XXXX XXXX  = XXXX XXXX According to the BOFA for XX/XX/2024 the rate was XXXX XXXX = XXXX XXXX  As a result XXXX XXXX  = XXXX XXXX  according to the BOFA ( XXXX XXXX XXXX  ) When it should be XXXX XXXX  = XXXX XXXX ( XXXX XXXX  = XXXX XXXX ) Difference is 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