vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: NJ

Complaint narrative:
I spoke to numeral acct associates. most I could Not understand. 
I finally spoke to a XXXX in the XXXX and she stated she would check phone conversations. 
After checking and verifying that I was told a courtesy correction would be asked for, she said it was not. 
I have spoken to many customer service agents with XXXX throughout this horrible experience, and although my Ex spouse made many unpaid payments, I was Never told that {$28.00} estimates of late payments were due. I paid what the Customer service people asked of me on the {$470.00} payment. If the system is behind or inaccurate from that day, I should not be responsible. Again. I was told the system caught up that same day I made the payment. I was NEVER told that day or after that day there was a balance due!! Again. XXXX XXXX was in this acct and this was Her car, it doesnt show in her report 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 explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
My mortgage company XXXX XXXX had a data breach in XXXX. I was sent a letter in XXXX about the incident. My mortgage company is s sister-company. My name, social, and personal information was affected. 

TD Bank I received a letter saying that I requested an address to be added to my TD Bank Cash Credit Card. I contacted tran-union to freeze my credit. That was XX/XX/XXXX. On XXXX I got a phone call from a risk company asking if I charged {$7800.00} on this card. I said no then asked about XXXX XXXX for {$1000.00}. I said no and there was a few other charges all made in Georgia. That was done in the state where the address addition was requested. I called TD and cancelled the card on XX/XX/XXXX. I asked them for new cards, and told them what was going on. We thought it was getting looked at. We received a statement in the mail saying the accrued amount was {$14000.00}. We called and got the fraud department. The person said, that he could see that we cancelled the card, and someone tried to get into the card after it was closed. I listened to the phone call that recorded of the person trying to get into the account. It was a younger person. We thought it was getting desputed, but we never received any correspondence. I then received a letter saying that I owed {$540.00}, and it was going to go to collections. I called and found out that they did nothing with it. They also took the flag that was on this account off the account without my knowledge. We called, XX/XX/2024, the person put notes on the side, but never did anything with it. We now received a claim number XXXX. The charges were all made online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NC

Complaint narrative:
I have sent payments as directed to the Discover, payment agreement and called on XX/XX/XXXX XXXX XXXX to address the following questions. In the payment instructions, it states WE ACCEPT PAYMENTS, PARTIAL PAYMENTS, OR PAYMENTS MARKED IN " PAYMENT IN FULL '' OR WITH ANY OTHER RESTRICTIVE ENDORSEMENT WITHOUT LOSING ANY OF OUR RIGHTS UNDER THIS AGREEMENT. I FOLLOWED THE METHOD PROVIDED AND THE ACCOUNTS HAVE NOT BEEN ADDRESSED THE ACCOUNTS WERE IMMEDIATELY CLOSE DUE TO THE PAYMENT METHOD.. I AM ASKING FOR CLARIFICATION WITH THIS. I DID REQUEST ASSISTANCE WITH THIS AS WELL WITH MY LOCAL CONGRESMAN. BETWEEN DISCOVER AND CONGRESS WE SHOULD GET AN ANSWER..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have sent 2 letters requesting information to prove this debt belongs to me. After 90 days, no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a XXXX XXXX Account with XXXX, it was closed because I missed a payment. I haven't been able to get in contact with anyone to explain to me why I can not pay this account. I don't want to use it I just don't want it reporting to all three credit bureaus as delinquent when I am trying to pay it! I have never heard of a company not allowing for you to pay an account that's overdue. Is it because the money that funds the account is actually my money and if I pay it they will not be able to steal {$860.00} dollars from me? This has to be illegal and I demand an explanation. I am also going to file a complaint with the CFPB and the FTC for a violation of my consumer rights.

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 2024-03-28 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: MI

Complaint narrative:
I have a XXXX XXXX Account with XXXX, it was closed because I missed a payment. I haven't been able to get in contact with anyone to explain to me why I can not pay this account. I don't want to use it I just don't want it reporting to all three credit bureaus as delinquent when I am trying to pay it! I have never heard of a company not allowing for you to pay an account that's overdue. Is it because the money that funds the account is actually my money and if I pay it they will not be able to steal {$860.00} dollars from me? This has to be illegal and I demand an explanation. I am also going to file a complaint with the CFPB and the FTC for a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a XXXX XXXX Account with XXXX, it was closed because I missed a payment. I haven't been able to get in contact with anyone to explain to me why I can not pay this account. I don't want to use it I just don't want it reporting to all three credit bureaus as delinquent when I am trying to pay it! I have never heard of a company not allowing for you to pay an account that's overdue. Is it because the money that funds the account is actually my money and if I pay it they will not be able to steal {$860.00} dollars from me? This has to be illegal and I demand an explanation. I am also going to file a complaint with the CFPB and the FTC for a violation of my consumer rights.

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 2024-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
On XX/XX/2024, Wakefield and Associates mailed letter stating {$320.00} was allegedly owed on an account. They also stated {$320.00} was allegedly owed on another account with the same institution. 

I do not have any responsibility for the debt they are trying to collect. 

I mailed, on XXXX XX/XX/2024, two separate dispute letters via certified mail, with attached certified mail receipts. This mail was received XXXX XX/XX/2024. 

More than 30 days after receipt of these disputes, Wakefield and Associates is still calling the phone number <redacted> and I have attached a voicemail recording to that effect taken on XX/XX/2024. 

Wakefield and Associates shall cease and desist all phone calls and other communications regarding this debt, other than to mail any evidence of validation of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: AL

Complaint narrative:
CIT Bank originally had XXXX online savings account called XXXX XXXX that advertised XXXX of the highest rates in the country. When interest rates increased late 2022, XXXX created a new savings account called XXXX XXXX that paid the new, higher rate of over 4 % while the original XXXX XXXX remained at the old, lower rate of 1 %. No effort was made by XXXX to inform current XXXX XXXX customers that they no longer receive XXXX of the highest rates in the country. I was XXXX of those customers. This week CIT Bank has once again created a new savings account called XXXX XXXX that has a higher rate than XXXX XXXX. Yet once again no effort was made to inform current customers of the potential higher rate they can earn. CIT Bank has purposefully deceived customers by creating new, higher rate products yet not informing current customers. Meanwhile they continue to falsely advertise their savings rate ( they do not specify any specific account ) is XXXX of the highest in the country. XXXX claims it is the customers responsibility to check their website daily for any new savings accounts. Unfortunately many remain in XXXX XXXX XXXX earning 1.00 % instead of 5.05 % advertised this day for the XXXX XXXX account. I consider this false and deceptive advertising that cheats customers by leading them to believe the savings account they are in will receive the highest rate advertised by CIT Bank. 

CIT Bank XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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:
I ask the following creditors to validate the debt that I am not aware, they were unable to do that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Dear CFPB, XXXX and Teletrack have provided XXXX XXXX with my personal and private information without my knowledge or consent. 15 USC 1681 604a section 2 provides In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I have never given XXXX or Teletrack consent to release my consumer report to XXXX XXXX. I have never applied, had, or held any accounts, loans, or association with XXXX XXXX. 
Furthermore, this information has been posted on my XXXX Consumer Report since 2019, in complete violation of FCRA which provides that inquiries posted on a consumer report for not more than two years. XXXX and Teletrack did not have my consent to release my information to XXXX XXXX and they surely do not have my written consent. 15U.S.C. 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. XXXX is not maintaining reasonable procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: WI

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Would you mind examining the documents? Some of the mentioned accounts seem to be inaccurate in terms of reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: OK

Complaint narrative:
I submitted a complaint against Experian for ignoring my requests to investigate the misinformation they're reporting on my credit report. That CFPB Compliant number is # XXXX. While that complaint is being investigated, I received yet ANOTHER refusal to investigate the misinformation on my credit report via email. So now they are refusing to investigate the CFPB compliant. So not only are they violating the rights of consumers by refusing to investigate misinformation they're reporting, they are violating the Federal Law ( Fair Credit Reporting Act ) and now they are defying the Federal Government and the CFPB by refusing to investigate a compliant against them. Why can't Experian just obey the law and operate legally under the FCRA?

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 2024-03-28 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: MA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
15 USC 1681s Unlawful Release of Consumer Report without consumer consent Dear CFPB, XXXX and Teletrack have provided XXXX XXXX with my personal and private information without my knowledge or consent. 15 USC 1681 604a section 2 provides In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I have never given XXXX or Teletrack consent to release my consumer report to XXXX XXXX. I have never applied, had, or held any accounts, loans, or association with XXXX XXXX. 
Furthermore, this information has been posted on my XXXX Consumer Report since 2019, in complete violation of FCRA which provides that inquiries posted on a consumer report for not more than two years. XXXX and Teletrack did not have my consent to release my information to XXXX XXXX and they surely do not have my written consent. 15U.S.C. 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. XXXX is not maintaining reasonable procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX -Date of inquiry : XX/XX/2023 - XXXX XXXX XXXX -Date of inquiry : XX/XX/2023

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