vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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: CO

Complaint narrative:
I am rewriting to express my dissatisfaction with the inaccurate information present on my credit file reported by EQUIFAX. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXX XXXX, XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with FACTA Title 1 Section 151, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures. I have also attached the FTC report to support this compliant with the FTC report number XXXX for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: FL

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: SC

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX I went to upgrade online to make hardship payment {$140.00}. The website showed no payment due for XXXX, but showed payment due XX/XX/XXXX. I called to make sure of no payment due for XX/XX/XXXX. I was told no payment is scheduled for XXXX. I said oh ok so I will pay for XXXX? I was told yes. XXXX I'm back to regular payment {$490.00} which I feel is very high. But due to the website mistake upgrade is stating I am 40 days late. On UPGRADE website customers can't even get statements to see their monthly statements. XX/XX/2024 I asked to speak with a supervisor, her name is XXXX ( No last name ) when asked for ID number XXXX doesn't have an ID number. I've also sent out countless 1099C And 1099A for every payment made, UPGRADE has not canceled the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Someone made XXXX demand drafts from a Truist joint checking account. {$5500.00} on XX/XX/XXXX and {$7100.00} on XX/XX/XXXX. Both checks payed to XXXX XXXX XXXX XXXX. I didn't report the fraud until XX/XX/XXXX. I asked my bank if this was due to identity frauld they said no. I don't know how someone can do this without having personal information.

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 2024-02-26 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: NY

Complaint narrative:
Im Victim of identity theft from XXXX cards, I contacted the EXPERIAN, XXXX, XXXX bureaus and XXXX XXXX to get the information removed from my report, I have uploaded the copy of my SSN, a bank statement, copy of ID an FTC report in order for them to delete the items from my report but, once you talk to the fraud department they become rude when you mention dispute and want to treat me very disrespectfully, dont even let me speak to explain why Im calling, I uploaded them their documents 3 times and they never get it, lastly I sent them certified mail to them so they have no excuse. Ive called them 9 times back to back today, if my issue is not taken care of I will start a legal lawsuit as my family attorney is been suggested me to do.

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 2024-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: January Technologies, Inc
State: NY

Complaint narrative:
I was asked to send over bankruptcy documents listing the Debt collector working on their behalf to collect the debt as a creditor. As of this date, they have the debt as outstanding. I have called the debt collector and I have yet to hear from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are 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, and I am left with no choice but to 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 well-being. 

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In XXXX of 2023 I opened a Best Buy credit card account to purchase a new phone and shortly after that I got a new phone number. I paid my account off pretty quickly after that, but when I received the credit card my name was spelled incorrectly and my phone number had changed. Come to find out Citibank put my shipping address as my mailing address. Calling citibank to fix this problem did not resolve the problem since they have my information wrong, everything except for my email was correct, They said they couldn't verify but would send something in a few days. But of course, they're sending it to the shipping address so the post office will send everything back to them. All the information was correct from Best Buy so therefore, it was Citibank that entered my information in incorrectly. Best buy said they had everything correct in their system. How such an egregious error could happen in a credit card company that says they're all about integrity is beyond me. I called several times and each time got the same answer. So I told Citibank I just would rather close the account. They said they couldn't do that either. Now I feel like what in the world am I going to do if I can't get them to fix the problem they created and I can't even close it. At this point I just want them to close the account. I would never use a Citibank card again. They have terrible customer service and make serious mistakes with no accountability!

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 2024-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SoLo Funds Inc.
State: NY

Complaint narrative:
I was asked to send over bankruptcy documents listing the Debt collector working on their behalf to collect the debt as a creditor. As of this date, they have the debt as outstanding. I have called the debt collector and I have yet to hear from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SY Reported I open this account XX/XX/2023 Not my account did not have XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are 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, and I am left with no choice but to 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 well-being. 

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted fro an alleged identity theft, not later than 4 business days after the date of the receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM TRANSUNION.

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 2024-02-26 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:
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 2024-02-26 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP
State: SC

Complaint narrative:
On XX/XX/year> and XX/XX/year> voicemails were left on my cell phone that stated my name and that I was behind on my payment and that it was going to be escalated. The person left their name as well as the company they worked for ( they were from the same company )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are 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, and I am left with no choice but to 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 well-being. 

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 2024-02-26 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are 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, and I am left with no choice but to 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 well-being. 

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 2024-02-26 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: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are 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, and I am left with no choice but to 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 well-being. 

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 2024-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: MT

Complaint narrative:
I obtained homeowner 's insurance in XXXX of XXXX. I have uploaded a copy of the proof of insurance to demonstrate that it has been in effect since XXXX. Then, in XX/XX/XXXX, I received notice from Truist mortgage company that my homeowner 's insurance had lapsed. I called XXXX and they refused to reinstate the insurance and did not give a reason. They claimed they had not been paid by the mortgage company. 

I called Truist and it is IMPOSSIBLE to get a human being. NONE of the phone choices made sense. There was no notice of insurance lapse sent to the property in question. I did not receive any phone calls. My insurance broker had a hard time reinstating my homeowner 's insurance because insurance companies are looking for any excuse to cancel and the premiums are outrageous. The insurance broker found a new policy- for an increased premium - and sent all the proof to Truist.

I received a notice, finally, from Truist saying that I had to pay {$340.00} for the period of insurance lapse. That document is attached. XXXX claims the lapse is the fault of Truist. They are padding the date of lapse by more than a month - from XX/XX/XXXX to XX/XX/XXXX until new insurance was added in XXXX. This feels like a forced insurance scam.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma, LLC
State: TN

Complaint narrative:
I don't even know where to begin. But there are over 50 hard inquiries on my credit report ( XXXX ) I also have payday loans contacting me telling me I owe money. I can't even access credit karma anymore. Nor IRS.gov or XXXX XXXX will not upload my id. I am owed stimulus money still, owed tax returns and my credit dropped XXXX points in XXXX. It's clearly some type of identity theft. A mess. Please help XXXX or leave message with sister XXXX XXXX at XXXX if u can't reach me. Email XXXX XXXX

Company response to consumer: Closed with non-monetary relief