vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. i have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX data breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation of my character, and this is a federal law violation. According to, 15 U.S.C. & 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agencies to promote my privacy and fairness and they have not. This is not right and goes against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishers of people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items are not removed, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have disputed a bankruptcy inaccuracies on my credit report numerous times from XXXX and Experian. And the results remain the same as verified from XXXX XXXX. So I contacted XXXX and requested my public consumer report and there is no bankruptcy on there. I even called XXXX and they confirmed this as well. My question is ; if reporting is done monthly, and there's nothing on my report from XXXX how is that fair in verification? This is hurting my credit and needs to be removed. It is not valid. Furthermore, bankruptcy does not report to credit bureaus and XXXX doesn't have a bankruptcy on my file. Where is this validation coming from. The two bureaus will not remove this. This should be illegal, or some sort of violation.

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 2023-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Man-Data Inc.
State: OR

Complaint narrative:
I was wrongfully terminated on XX/XX/2023 by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) due to a third-party debt collector by the name of Pacific Coast Credit that sent a Writ of Garnishment. The company is wrongfully trying to collect a debt that is past the statute of limitations using rather moot legal documentation showing stamped dates crossed out and hand written dates entered. 

Since my wrongful Termination on XX/XX/2023, Pacific Coast Credit has been in contact with not only my recent ex-employer but has also contacted potential future employers where I have merely conducted trial interviews. Pacific Coast Credits attempts to collect debt while Im unemployed is wrong. They are contacting potential job opportunities before I even get a chance to get hired. This is a direct threat in my efforts to find a job. Unfortunately, because of this I have been unable to sustain or find gainful employment due to Pacific Coast Credits hasty & unfair collection practices. 

I am unemployed and I'm working through the process to try and collect unemployment and look for suitable work so that my family and I can keep our home we purchased two years ago from going into foreclosure. 

I have asked them to cease and desist all calls and contact with me or with anyone affiliated with me immediately by way of a certified and letter and email. 

Regards, XXXX XXXX ( XXXX ) XXXX Cell

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My Citizen account was. erroneously reported to my credit report over {$6.00} past due. I called when the payment was due to get the past due amount so I can make a payment to avoid a 30 day report on my credit report. I was told I had to pay {$160.00} which I did. I woke up today to find that citizen pay reported my account XXXX  line of credit as past due by {$6.00}. This is not my mistake but it is a mistake by the customer service agent. I have been a sick and out of work and I have been doing whatever I can to avoid situations like this. As a result of this mistake my credit dropped by XXXX points. I put in several disputes to all three reporting agencies and citizen bank refuses To remove this erroneous and unjust information. Every month they report a different month that was past due they have ruined my credit over {$6.00}. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Experian regarding two XXXX XXXX XXXX loans opened in XXXX and XXXX respectively. These accounts were settled as a part of a Rehabilitation Agreement ( pursuant to the Higher Education Act of 1965, Section 464 ( h ) which was satisfied in XX/XX/XXXX. I provided documentation from the state of Michigan Department of the treasure that all student loan debt associated with my Social Security Number ( which includes XXXX XXXX XXXX ) were satisfied. I also provided documentation from the ombudsman at Federal Student Aid ( FSA ) under the Department of Education that the debt was discharged. 

Lastly, I spoke with a representative at Experian on XX/XX/XXXX to explain the circumstances of the debt and I was told by the representative that they would conduct a further investigation but she could not tell me what procedures they followed in my case ( i.e. requesting verification from the debt collector ) especially considering that they credit report was showing that I had made payments on the in the last 18 months. 

Experian sent it's last message stating that the disputed item had been verified on XX/XX/XXXX but has provided no information about how this information was verified nor did they indicate how they evaluated the documentation I provided. 

The document from the State of Michigan Department of the Treasury was password protected by the State of Michigan -- the password for file " XXXX '' is 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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Ive contacted the company multiple times for a signed affidavit to file a police report for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I sent Zelle payment from my bank ( XXXX XXXX XXXX ) on XX/XX/XXXX. Amount is : {$1900.00} See confirmations as attached. I had the funds in the account but the recipient did not get it, it was pending, but failed. Why not? Why the issue? There should be no issues on my end!! Please investigate and report back, date by date, step by step, why this failed. I lost {$50000.00} worth of business because of that. Thank you. I called XXXX XXXX  on Tuesday XX/XX/XXXX, and case No. XXXX ( with XXXX XXXX XXXX ). Zelle is giving issues and problems now?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX, a credit bureau, for its failure to respond within the legally mandated 30-day timeframe and for inaccurately reporting my personal information on my credit report. I believe that these actions by XXXX have infringed upon my rights as a consumer, and I kindly request your assistance in addressing this matter. 

On [ XX/XX/2023 ], I submitted a dispute letter Certified Mail with Return Receipt to XXXX XXXX and TransUnion concerning incorrect personal information. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and respond to disputes within 30 days. However, despite the statutory time limit, XXXX failed to provide a timely response, causing unnecessary stress and potential harm to my financial well-being. 
This inaccurate reporting has the potential to negatively impact my creditworthiness and may lead to unwarranted denials for credit and other financial opportunities. 

XXXX did not respond at all within the amount of time according to law nor did they send back the Return receipt. 
XXXX has incorrect Addresses & Phone Numbers Inaccurate. 
TransUnion Phone Number Inaccurate. 

XXXX and TransUnion did respond in timely manor and sent back Return Receipts and also sent back requested information after the diligence of their investigation Along with the dispute letter I sent, was attached a photo copy of driver 's license, and a bank billing statement to show proof. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost attention and diligence. Your intervention is essential in holding XXXX accountable for their actions and safeguarding consumers ' rights. 

Please find attached copies of relevant documents supporting my claim, including proof of my dispute submission to XXXX. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

Thank you for your attention to this matter, and I look forward to your prompt response. Please feel free to contact me if any further information is required. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX, a credit bureau, for its failure to respond within the legally mandated 30-day timeframe and for inaccurately reporting my personal information on my credit report. I believe that these actions by XXXX have infringed upon my rights as a consumer, and I kindly request your assistance in addressing this matter. 

On [ XX/XX/2023 ], I submitted a dispute letter Certified Mail with Return Receipt to XXXX Equifax and XXXX concerning incorrect personal information. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and respond to disputes within 30 days. However, despite the statutory time limit, XXXX failed to provide a timely response, causing unnecessary stress and potential harm to my financial well-being. 
This inaccurate reporting has the potential to negatively impact my creditworthiness and may lead to unwarranted denials for credit and other financial opportunities. 

XXXX did not respond at all within the amount of time according to law nor did they send back the Return receipt. 
Equifax has incorrect Addresses & Phone Numbers Inaccurate. 
XXXX Phone Number Inaccurate. 

Equifax and XXXX did respond in timely manor and sent back Return Receipts and also sent back requested information after the diligence of their investigation Along with the dispute letter I sent, was attached a photo copy of driver 's license, and a bank billing statement to show proof. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost attention and diligence. Your intervention is essential in holding XXXX accountable for their actions and safeguarding consumers ' rights. 

Please find attached copies of relevant documents supporting my claim, including proof of my dispute submission to XXXX. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

Thank you for your attention to this matter, and I look forward to your prompt response. Please feel free to contact me if any further information is required. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I sent the money via Zelle on Friday, XX/XX/2023. It was not received. See attached. Then, on XX/XX/2023 my account was closed. Why? NO REASON!?? I had funds in the bank!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have attempted on multiple occasions to have this inaccurate information removed from my credit report from XXXX in order to have a more accurate report. I would like to have these negative and unauthorized inquires and old address removed from my credit report. The credit bureaus have failed to accurately respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: LOBEL FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have been asking my lender for a pay off letter for the last 2-3 months in order to sell my car to a dealership. The first time I asked was at the end of XX/XX/2023. I asked if they could email me a pay off letter. They asked why I would want that. And I said I want to sell my car and I need a pay off letter stating how much I owe on my loan. They said okay, we'll mail a letter because they are not allowed to email that kind of information. I gave them my address to send it to and never received anything. I called again in the beginning of XX/XX/2023. I asked again for the pay off letter and once again they asked what do I need a pay off letter for. I explained to them I want to sell my car, please send me a pay off letter. They updated my address and supposedly sent the letter. It is now the end of XX/XX/2023 I called them once again. I asked if they sent the letter and they said we are showing you requested it. I told them it's been almost two months and I have not received anything. I asked if they can email me it. Once again they said no. I asked to talk to a manager or supervisor the person said why, I said let me just talk to your supervisor or manager and they told me that there is no manager or supervisor in.

Also my dealer ship had called on my behalf requesting the pay off letter and one person did say they can email it, but of course only the account holder ( myself ) has to request it. But every time I ask for an email, or just mail, or request to talk to a manager or supervisor they just say no.

I could have sold my car two months ago, but they won't send me a pay off letter. It's starting to feel like they don't want me to sell my car and keep paying there interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of 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 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I was recently married and my mother wrote a check to us as a gift, which I tried to deposit. My bank held onto this deposit for more than a week, took her funds, and then refused to release the funds to me. Their solution to the problem was to tell my wife to forge her name onto the check in order to fulfill their endorsement requirements. Meanwhile, they have no plan to release the funds back to any of us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, 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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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