vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I deposited my in-laws tax return at the begining of XX/XX/2021 its now XXXX and they still have my account on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent out a letter on XX/XX/2021, via certified mail, requesting that the XXXX XXXX XXXX account be deleted from my Equifax credit report. On XX/XX/2021, I checked online to see the status of my dispute and wasn't able to locate it. I called Equifax that same day, and they told me that the XXXX XXXX XXXX  account wasn't deleted. I was never notified of the status of the dispute, and I not able to attain any information on this dispute online. I am still asking that this account be deleted from my credit report since it was never verified. Also, this account is reporting late payments, and the account is closed. This is a violation, and I'm asking for this account to be deleted, NOT updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been well over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I wrote each individual debitor/company 's asking for the original instrument of indebtedness in its original form. None of the companies have provided me with this request. These certified letters where sent back on XXXX XXXX after 30 days had expired. I inturn wrote equfax and experian. I sent copies of origanl letter mailed to the creditors along with the proof of certified mail. I advised them that the 30 day allowed time by law has expired and that none of the creditors have provided me with the requested documentation. I advised that these items should be deleted from my credit file. Once they received the letter they turned around and sent me an email stating that they where starting the ivestgation again and that it will be another 30 days. Please see attached below te letter sent to both Equfax and XXXX. I also placed and X where personal information was shown. 



Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SSN : XXXX XXXX DOB : XXXX XXXX/Equfax XXXX XXXX XXXX XXXXX, XX XXXXX To Whom It May Concern : I am enclosing a copy of a letter that I mailed to the company XXXXX - XXXX XXXX ACCOUNT XXXXXX AND XXXX BANK ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX sent via certified mail requesting that verification of the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2021. It has been more than 30 days, and I have not received any proof that your company validated the debt. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I deposited A XXXX transfer from my checking account for {$200.00} on XX/XX/2021 on the same day there was a fraudulent charge for {$270.00} at the XXXX hotel in XXXX XXXX and their office is in XXXX XXXX. Im pretty sure someone clone my car and used it because it was brand new and I only added it to their app for payment so far. But they will not give me access to my {$200.00} that I deposited in the savings account Im trying to transfer it back to my checking and they wont let me they also approve me for loans and then disapprove me for no reason at all except that I probably paid off the loan too fast. I want a full refund and access to my money I would like the loans I was promised for 4 more loans for {$500.00} and 0 % interest but Im the most concerned about having my money back in my checking account. Ive emailed them and called they just hang up on you and there email address replys with this address is not monitored. Their emails literally read out like a child wrote them they say that I stopped the transfer and that I need to talk to me its almost a joke but I want all my money refunded and back in my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hello, I'm having a problem with the credit bureaus because I recently submitted a dispute through the mail on XX/XX/2021 and today is XX/XX/2021 I still haven't received my dispute results. Also the inaccurate/Unverified account XXXX XXXX XXXX XXXX still shows on my credit report and its hindering my credit. This is investigation has been longer than 30 days and i would like the unverified items to be removed 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 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
The loan payment ( Origination XX/XX/XXXX ) was not disclosed properly from the beginning. One of the two taxes that are paid out of escrow were missed ( the City tax was omitted and not disclosed until after the purchase of the home was complete and payments were being made, only the County tax was disclosed. ) The issue is that we purchased the home at our maximum payment ability and after the disclosure of our payment, we decided to agree to the debt ( based on that payment ) and pursued our new home ownership. 

Shortly after moving in we learned our payment would need to go up. This was an extreme hardship on us as we are at our payment limit. Every year, our payment is going up XXXX just received notice from lending institution that my payment is going up again! The letter from said institution is dated XX/XX/XXXX - Effective XX/XX/XXXX XXXX I called " customer service '' as indicated on the " Annual Escrow Account Disclosure Statement and New Mortgage Payment Notification '' letter dated XX/XX/XXXX. 

I called the number and spoke to the Institution 's representative named " XXXX '' around the XXXX of XXXX. She explained the " Escrow '' balance falls below their minimal threshold in XXXX & XXXX therefore my payment would go up to avoid the Escrow shortfall. I asked once the payment goes up again for the 3rd time would this settle the matter and she responded we will likely go through this again this same time next year. I explained our hardship and the mental fatigue of not knowing what our payment will be She said she " would look into the matter and get back with me ''. As of today, XX/XX/XXXX there has been no follow up from anyone. 

Here is my complaint ; We made a life decision to sign a promissory note, a 30 year commitment, based on supposed factual information and a " static and fixed '' loan payment. This is not the case, further, the Institution is charging me interest on this Escrow shortfall which is UNFAIR to me the consumer. The institution did offer me a temporary remedy for this year by demanding I pay {$1600.00} in the next 30 days or my payment will go up. Did the institution not see this coming months ago, indeed, from the inception of the loan so as to give a consumer some time to fund the Escrow shortage AND still make the normal monthly payment? I need this matter resolved.

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 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I disputed an account that was on my report pass 7 years and they reduced my credit score by 29 points for the dispute. The creditor is still on my report. I was told by an equifax employee because I initiated the dispute my credit score was reduced. I am getting penalized for challenging items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I have reviewed my hard credit inquiries as I am currently refinancing my home. Discovered a hard inquiry with Citizens Bank on XX/XX/2021 which I did not authorize. This is the same week I experienced fraudulent activity with my debt card which I reported to my current bank XXXX XXXX. This activity with my debt card has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The company calls over 10 to 15 times a day using a false caller ID name every time. One time it will be XXXX XXXX XXXX XXXX XXXX the next time it will say XXXX XXXX XXXX or XXXX XXXX. When you pick up its a recording or a agent threating you with jail or a lawsuit if you dont pay immediately during this call. They dont tell you what the debt is for they just demand payment. If you call the number back no one answers. The number they called from on XX/XX/2021 came in as XXXX XXXX XXXX again and the phone number is XXXX from XXXX, Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD bank calls me everyday after the pandemic. I make my payments but they still harassed me. Since the pandemic is almost a daily call. I already ask them to email or send me letters. I ask them not to call me please. This is driving me insane.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
How you doing today, I submitted a dispute by mail to on XX/XX/21 i still havent recieved my dispute results or any progress been made. It has been past 30 days and i want this account that is not correct off of 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 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for citi Sears credit card and was denied for weird reasons inquiries for credit and I wasnt giving a second chance and I called the number and I cant get hold of a live rep and this sounds like scams or Sears is not in business I would like this inquiry remove off my credit report it dont make any sense at all I dont have any other inquiries reported on my XXXX just citi/Sears and I have good credit. I would like a call back from Citibank Sears to get this application reviewed. So far I havent gotten hold of a live rep and I will enclose a letter and 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 2021-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Garrison Investment Group
State: MD

Complaint narrative:
My wife and I applied for credit through Foundation Finance Company, LLC for Home Improvement project. Foundation Finance, LLC has placed a lien against my homes title which is not described as the goods or services received in the contract, it states ; SECURITY INTEREST : You grant us a security interest in the goods purchased by you and described on the first page of this Contract ( the Collateral ) as well as all accessions to and proceeds of those goods. Our security interest secures your performance of all obligations under this Contract and any extensions, renewals or modifications of it. On our request, you will take any reasonable action to preserve the Collateral or our security interest in it. You will maintain the Collateral in good condition, not permit its value to be impaired and keep it free from liens and encumbrances prior in right to ours. You will not sell, lease or dispose of Collateral without our written permission.

No where in my contract states my home is ( the collateral ) for the purpose of this line of credit. The goods and or services received is XXXX roofing, siding tr according to my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
How you doing today, I submitted a dispute by mail to on XX/XX/21 i still havent recieved my dispute results or any progress been made. It has been past 30 days and i want this account that is not correct off of 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 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
equifax, both on the web and on the phone -- at hours they themselves by written word say they are available -- make false claims ; and won't enable me to lift the freeze. On the web they tell you to enter my email address ( XXXX ). But when I did as instructed they told me it didn't match the one on file, or, they sent a needed link to the secreted email name. They wouldn't let me in. And, that, after telling me I could lift the freeze easier thru the website, they belie their own words. Blatant, fraudulent actions SOLELY ON THEIR PART. Those people are evil liars. And since, in writing several ways/times, they purposely SWITCH the rules. CLEAR LAW BREAKING!!! 
Next, I tried the phone GRUELING/TORTUROUS as it was, about six times for a minimum total each time of TWENTY minutes. Even when they sometimes say they'll put me through to an agent, the ultimate response is : call back when they are there! BUT, THEY WROTE, they WERE there then. Another MISREPRESENTATION. 
AND what is the only option they gave me? That I MUST give them my mobile number, and I NO LONGER HAVE ONE. Though I've TOLD THEM ON SEVERAL PREVIOUS ENCOUNTERS with them that they need an e-mail or voice-call option workaround, DOGGEDLY they HAVE NOT provided those REASONABLE ALTERNATIVES. And they violate the statutes again by INVOKING AN OBSTRUCTIVE CONDITION the LAW never REQUIRED. THEY'RE NOW LAWMAKERS AND LAWBREAKERS in their own little ALL-CONTROLLING, ALL-PWERFUL, SADISTIC-OBSTRUCTIVE bubble of a world. 
GENTLEPERSONS, it's time you BURST their bubble!!! 
AND, those of them who have designed that implement of MEDIEVAL TORTURE and BY INACTION AFTER POLITE PETITION FOR CHANGE refused thereby to STAY AN ILLEGAL COURSE OF ACTION, WELL, THEY NEED TO BE BROUGHT BEFORE A GRAND JURY AND be INDICTED, TRIED AND CONVICTED of all their WILLFUL, PURPOSEFUL violation of The Laws, be IMPRISONED FOR AT LEAST FIVE YEARS!!!!!!!!!! I contacted my lender, and she said MANY OTHER CONSUMERS had had this experience with Equifax. THEY NEEDTO BE FINED, and FORCED to alter their setup to one MUCH MORE HUMAN AND REASONABLE. 
They could use XXXX  or XXXX  as MODELS for their OWN NEEDED redesigns!!! 
XXXX  and XXXX  were a joy to use : freezing OR UNfreezing of credit accounts. 
THE ONLY rotten apple is Equifax. 
Please PURSUE EVERY course of action you can IMAGINE against Equifax itself WITH HEFTY FINE AND PENALTIES ; AND EVERY TORTUROUS turn of the SCREW against THOSE EVIL PETTY DESIGNERS/RULERS of the Equifax MACHINE. 
They NEED to SERVE some PRISON TIME. You can begin with a MINIMUM PRISON SENTENCE of FIVE years. 
PLEASE GET THEM!!!!!!!!!! 
THANKS!!!

Company response to consumer: Closed with explanation