vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
Lexington law firm, didnt do anything they said they would do for me. They misleading me on anything about fixing my credit instead letter after letter came to me from creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
Someone hacked into a validated XXXX account of a friend of mine of XXXX  years. They made a post about selling a car, and while I was communicating with that person on the XXXX account, we agreed to a down payment of {$500.00}. They had me send that through Zelle. I received a text message from 'XXXX  ' that the payment did not go through and my account would be reimbursed. Now I know that was not a text from XXXX. Anyway, the funds never got reimbursed. As I looked into it, I figured out it was a scam. 

Anyway, I contacted the bank and provided information that I had, but they just said there was nothing they could do and took no action. From what I figure, they should have been able to track down the account and a person tied to that account. The phone number that was from Zelle ( XXXX ) XXXX. I still believe the bank would have the account it was transferred to, and the bank it was transferred to. Also, that bank account should have an owner. It just feels like the bank could have done more to help me other than say " There is nothing we can do about it ''. 

Zelle Transaction Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MD

Complaint narrative:
i disputed inaccurate information on my credit profile these accounts do not belong to me. after a thorough investigation XXXX has deleted them from my credit profile but the other cra still have them listed on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
I am writing to express my frustration and disappointment with TransUnions repeated failure to address inaccuracies on my credit report, despite multiple attempts on my part to resolve these issues. Over the past several months, I have sent four detailed dispute letters regarding items on my credit report that are inaccurate, incomplete, or unverifiable. Each time, TransUnion has responded with generic verified as accurate statements, without providing any substantive evidence or documentation to support their claims.

I believe that TransUnion has not conducted a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). Instead, it seems they are relying on automated systems, such as Metro2 or XXXX, to verify these accounts without direct validation from the original creditors. This negligence has left me with derogatory items on my credit report that I firmly believe do not belong to me or are being misreported. 

The specific accounts in question include : XXXX XXXX XXXX : Incorrectly reported as a debt I owe, with no supporting documentation provided. 
XXXX XXXX XXXX : Balance and past due amounts are inaccurate, and no verification documents have been provided. 
XXXX XXXX XXXX XXXX two separate accounts ) : Both accounts are reported with incorrect balances and charge-offs. 
XXXX XXXX XXXX XXXX This account remains unverifiable. 
These inaccuracies have caused significant harm to my creditworthiness and, in turn, my ability to move forward with important financial goals for myself and my family. I have invested considerable time and effort in disputing these errors, only to receive vague responses that lack the transparency and thoroughness required by law. 

I am asking for CFPBs assistance in holding TransUnion accountable for their obligations under the FCRA. They must conduct a reasonable investigation and provide verifiable proof for the accounts they claim are accurateor they must remove these items from my credit report. 

The emotional and financial toll this situation has caused can not be overstated. I have done everything in my power to resolve this matter on my own, but TransUnions continued disregard for my rights leaves me no choice but to escalate the issue through your agency.

Thank you for your attention to this matter. I look forward to your assistance in ensuring TransUnion takes the necessary steps to address my concerns and correct their reporting errors.

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 2024-12-20 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: VA

Complaint narrative:
I was stunned to find out that my credit report includes accounts that dont belong to me. These errors are damaging my credit score and causing me unnecessary stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: WA

Complaint narrative:
FNBO claims that autopay can not be setup after a statement has been generated. XXXX was setup XX/XX/year> with payment due XX/XX/year>. FNBO 's system did not process the autopay, which caused a {$29.00} late fee and about {$18.00} in interest. 

FNBO 's system deviates from industry standard, and is harmful and damaging to consumers.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: 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 2024-12-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am writing to formally raise a complaint regarding a highly concerning and unauthorized incident that occurred during my visit to a XXXX XXXX store in XXXX. 

During a routine shopping trip, the cashier at the counter asked me for personal information under the pretense of routine questions. However, without my knowledge or consent, he proceeded to open a credit card account in my name. By the time I inquired about the reason for his questions, he informed me that he had already applied for a credit card on my behalf. 

I immediately requested him to cancel the application, but he stated that it could not be canceled as it had already been processed. He directed me to contact the back-end agent and customer support team for further assistance. I promptly called customer support, who informed me that the account could not be canceled because a transaction had already been posted on the account. They advised that I would receive my first statement within 1520 days, after which I could clear the transaction and close the account. 

However, despite waiting for three months, I have not received any statement, notification, or communication from the XXXX XXXX XXXX department. Recently, I noticed a negative impact on my XXXX XXXX due to a reported missed or late payment from XXXX XXXX. Upon contacting customer support again, I was informed that no statements were sent because my email and home address were not on file. 

This situation is completely unacceptable. It is evident that the actions taken by your staff were unauthorized and fraudulent, and the subsequent handling of this issue has been grossly inadequate. I am deeply frustrated and concerned about the impact this has had on my credit score and financial record.

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 2024-12-20 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I was robbed the incident report number XXXX R report number XXXX All of my information was stolen, birth certificate, Social Security card ID they ran up my credit and i stole money out of my bank account these companies have bought my debt and now come after me for the money which the account was closed because of the robbery two accounts for Midland Credit and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: CA

Complaint narrative:
To whom it may concern, I recently got a notification from XXXX XXXX informing me that an account on my Equifax credit report from XXXX was removed between XX/XX/year> through XX/XX/year> and then later added on between XX/XX/year> through XX/XX/year>. I never disputed this account with XXXX XXXX or Equifax XXXX XXXX as this account helps my credit scores and because of the account being removed and then back reinserted it has cause significant damage to my credit report which is a violation of the ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you have a right to the fair and accurate reporting of your credit information. You're also entitled to certain privacy rights concerning your credit information and protection from the misuse of your credit data. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumers credit report. The credit bureaus can not reinsert this information unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
XXXX died XX/XX/XXXX. Bank sent statement for period ending XX/XX/XXXX ( which was paid in full ) but has sent out no statements, notices or other written communications since sending the XX/XX/XXXX statement. I have documented, to Bank 's satisfaction, my appointment as Personal Representative of XXXX 's estate by XXXX XXXX XXXX XXXX. Bank has not responded to my requests for information about the XXXX 's credit card account, including " ( H ) ow to redeem Reward Points on behalf of the XXXX. '' Rewards Points XXXX was XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
I received a text msg XX/XX/XXXX stating I violated their rules and they were closing my account, I called numerous times trying to verify what was the violation and they would not tell me. I last used the card on XX/XX/XXXX at XXXX. My brother sent XXXX XX/XX/XXXX. I used my routing and checking to pay rent on XX/XX/XXXX. I have reviewed my history and I only use to send my family funds only or eat at a restaurant for lunch. This closure caused me not to receive my payroll on time. I still haven't received my payroll check! I have tried contacting Cash App at least 10x to get assistance but no one will tell me. I have asked for a supervisor/manager and I am always told there is no one available. This is not fair to me as an consumer. How can a bank close your account w/o confirmation of an transaction or at least telling you what you violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was reviewing my account and noticed the interest I was being charged is significantly higher than previous months. I contacted the company to request a reconsideration of the interest rate/APR since I am a loyal customer for a long period of time. I was told that my APR was 32.99 % and they will not give any consideration for lowering the APR as this was the standard APR for all customers. Regardless of credit rating, length of costumer relationship, payment history, etc.

I requested to know what my previous APR was because I do not recall ever getting a notice about an increase. They advised me that they sent it to me via email in XXXX, With no other notices. I have yet to be able to locate any documentation sent to me outside of an email telling me to review my account. According to the representative, It was conveniently slipped into my monthly statement that they sent via email And can not be accessed without going to their full website even at this point, it does not bring me directly to a page or the notice about my account changes are not made clear in the email that they send me. I reviewed the statements page online and there is no notice that was sent to me on the dates they referenced. I am unable to access any information about the increase using the steps given. 

At least when they send my monthly statements, it says how much is due and when in the email. It doesnt require me to go to any other external websites or links to see what payment is due. The decision they made to increase the APR in the middle of the year with no other notices to their customers or options to decline the increase and cancel my business with them is very unethical. I have since canceled my account and will be paying my balance in full because of the large amount of interest that I have been paying since XXXX. My previous APR was 26 %. This is not an ethical business practice and the only notice that they sent out is via email with a link to remind me to check my online access. If a company is increasing an individuals APR by 8 % there should be additional notices sent out to the customers, via mail.

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 2024-12-23 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: NY

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Experian, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief