vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: PA

Complaint narrative:
According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX XXXXXXXX XXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: KS

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong 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 non-monetary relief
Consumer complaint received 2024-11-01 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: PA

Complaint narrative:
According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXXXXXX XXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.

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 2024-11-01 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: PA

Complaint narrative:
According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX XXXX  account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NY

Complaint narrative:
The issue is regarding a debt collection that has recently appeared on my credit report. I noticed that a collection account was reported without any prior notification or communication from the collection agency. The collection agency is Jefferson Capital Systems LLC. 
The details of the debt are : Amount owed- {$1600.00} Account openedXXXX XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My accounts, checking and savings accounts, were both recently flagged for fraud and closed on the very same day without any explanation whatsoever from the bank ( Truist ). I had these two accounts for literally less than two full weeks, and it was locked twice by the bank for fraud. The first time they locked it, I called in and once they identified who I was and that I was the account holder on my accounts, they unlocked it. Then, within 5 days of that incident, my account was locked once again without any warning or reason, and it was also closed within the same day also without any reason or communication from the bank as to why they did those very drastic steps in which I would label as a major over-reaction and unreasonable closure of my new accounts. The only transactions that I had done with my account was that I had received two XXXX transfers from my friend 's account that had owed me money, and they had overpaid me by {$300.00}, so I returned that amount back to them through cash app on the very same day. They sent me one XXXX for {$1000.00} and another one for {$500.00}. They only owed me {$1200.00}, and so I sent back the {$300.00} difference because of the overpayment. That was it! Asides from some very normal debit card purchases for fuel, and at a couple of stores in town, Those were the only transactions that were done on my checking account with this bank. The very next day my account was flagged, locked, and then closed for fraud, or what the bank may have erroneously perceived as fraud, and it was all done without warning, good reason, or communication. Also, I received no explanation whatsoever and when I called to find out what was going on, I got nowhere. I only received very vague and non-informative answers as to why my accounts had been closed for fraud when there was absolutely no fraud or any attempts of fraud, or anything that was even remotely fraudulent activity on my accounts with them at any time. Nothing. Zero. Zip.

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 2024-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
What Happened In XXXX I purchased an XXXX XXXX ( XXXXXXXX XXXX ) through a loan with Citizen One Bank . After receiving it, I decided I didnt want the phone, so I returned it to XXXX , which they received and confirmed. 

However, despite the confirmed return, I later discovered that Citizen One Bank continued to charge me as though I still had the phone. I contacted Citizen One Bank to resolve this issue. They promised to call me back on XXXX but they did not follow up as they said they would. 

Since then, Ive reached out multiple times to both Citizen One and XXXX. Each time, Citizen One tells me to speak with XXXX, and XXXX refers me back to Citizen One. Neither company seems to know how to fix the issue or is taking responsibility. 

Actions Taken 1. I purchased the phone in XXXX this year. 
2. I returned the phone to XXXX, who confirmed they received it. 
3. I contacted Citizen One Bank to inquire about the charges and was told I would receive a follow-up call on Wednesday, XX/XX/XXXX, but no one reached out. 
4. I have repeatedly tried to resolve this by calling both companies, but they continue to defer me to one another. 

Requested Resolution I am asking that Citizen One Bank stop charging me for the returned phone and remove any charges related to it from my account. I would also like a written confirmation that my account has been adjusted to reflect the return and that no further payments are required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I Purchased furniture through comenity bank in XXXX and there was a XXXX  month interest free promotion. They accidentally withdrew a double payment from my bank account. They gave me back a payment by check instead of a credit to the account and sent the extra payment to me in the mail. this extra payment was coded on my comenity account as a charge that I made and ever since they have been charging me interest on an account that was to be interest free for 48 months. Every month I have to call in to get the finance charges credited back and some of the representatives are giving me a hard time and trying to explain to me why I am being charged. Some of them have been argumentative and simply rude. I have been hung up on. I have requested a dispute but nothing was done at the end of the 30 days. I have asked several times if someone from management can call me back and that has never happened. They are refusing to allow me to speak with someone higher up to resolve my issues. They indicate that notes are being made with requests for someone to give me a call but no one has ever contacted me and I have had this account since XXXX. A few months ago there were a couple of charges added to the account and when I ask what they were for no one can explain to me what the charges are for. I only made one purchase with this account and nothing else. I need someone to assist me because the charges that were added to the account I believe need to be credited back. It was an error on comenity 's part and I have been dealing with it since XXXX or early XXXX and there have been several representatives who have assured me that they took care of the issue but every single month I am dealing with it. It has been an absolute nightmare. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I have had these super old accounts with school loans that have been paid off for two years. They are reporting old outdated information that is very incorrect, and they need to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX Account # : XXXX XXXXAccount # : XXXX XXXX. Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person kn
ows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 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 2024-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear Portfolio Recovery Associates Manager, I am reaching out to formally dispute the debt you have reported associated with accounts from XXXX XXXX XXXX XXXX and XXXX XXXX I believe this account is fraudulent, as I have no relationship or prior contractual agreements with these institutions. 

In compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation and proof of your authority to report and collect this debt. To resolve this matter, please provide : Proof of Authorization under 15 USC 1692e and 1692f, substantiating your right to collect this debt.

Legal Basis for Collection, detailing the foundation of your authority over this account.

Proof of Authorization to Operate in [ Your State ], confirming jurisdiction and compliance with local regulations.

Evidence of the Alleged Debt, including any agreements or contracts that bear my signature.

A Full Account History, detailing all charges, fees, and any payments associated with this account.

Per FDCPA 1692d, 1692e, 1692g ( b ), and 1692f, reporting this account as mine without the aforementioned proofs infringes on my rights. In light of these provisions, I demand the immediate deletion of this account from all three major credit bureaus ( XXXX, XXXX, and XXXX ) if you can not provide this validation. 
I am eager to resolve this matter amicably and expect that in good faith, you will comply with the law by providing the above documentation. Should you fail to provide proper evidence of this debt, I request you delete all reports related to this account from my credit profile. Thank you for your prompt attention to this serious matter. I expect a response within 30 days to avoid any further actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I received a call from XXXX, NC at XXXX. He tells me that he is call Wells Fargo and that my Credit Card is being charged and would like to put a stop to it. I inform him that i would like to contact my back and will be checking my account online to make sure what is going on. He tells me he can do that for me since he is already speaking with me. I inform him that I will call the bank myself. I hang up the phone on him. He then calls me back upset that I hung up on him. I tell him I am going to the back to check what is happening since i don't own a credit card. He tells me I do own one. He has call me last week and has call me twice today XXXX at XXXX XXXX. My bank has informed me that my accounts are ok. If he was from Wells Fargo he should understand that I can call my bank. Thank you.

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 2024-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
credit report not reporting correctly however I would need these items remove so my credit report can reflect accurately ACCOUNTS THE XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: NJ

Complaint narrative:
TransUnion needs to verify information properly. Several attempts to correct misinformation have not been successful

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 2024-11-01 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: MA

Complaint narrative:
I saw that my XXXX score went down by approximately XXXX. I have always had stellar score. Upon investigation I saw that there is an account closed with a balance on my report that IS NOT MINE. 

See below : XXXX XXXX  BAN XXXX {$950.00} / {$800.00}

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 2024-11-01 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: MA

Complaint narrative:
I saw that my XXXX score went down by approximately XXXX. I have always had stellar score. Upon investigation I saw that there is an account closed with a balance on my report that IS NOT MINE. 

See below : XXXX XXXX XXXX  XXXX {$950.00} / {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I saw that my XXXX score went down by approximately XXXX. I have always had stellar score. Upon investigation I saw that there is an account closed with a balance on my report that IS NOT MINE. 

See below : XXXX XXXX XXXX XXXX {$950.00} / {$800.00}

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 2024-11-01 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: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX and XXXX XXXX, I was never provided with any contract whatsoever.

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the XXXX account number. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation