vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: KY

Complaint narrative:
I received an email a handful of months ago about a debt that was supposedly owed. I asked for a debt validation letter and one was never sent. Its been well over two months, if not three, since then. They just sent the same details with what amounts were due over and over again and never replied to my emails. 

Additionally, under Kentucky Landlord Responsibilities ( KRS XXXX ) they are required to have Electrical, plumbing, heating, air conditioning, and other facilities must be kept in good condition and they in fact were not. They were told the air conditioning was not working and it reached well over XXXX degrees in the household when I had a XXXX in it. They did not respond to the email, nor fix it. Months later, I left, as it was inhabitable to live in a place that hot with baby. After speaking to the heating company they worked with, they told me all units were way too old and needed replaced as repairing it wasnt going to help them keep up since they were outdated. Many others around me had the same issue. I offered to make a payment for the past due rent amount even though the details were wrong and not validated, but was not going to pay all of the fees given they legally had to fix the issue and didnt and therefore I, under law, was allowed to end it. The company did not ever reply. They did not follow the guidelines they were required too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX has me in collections for XXXX dollars. I have requested verification of the debt and they have not given me anything. They also sold this debt to multiple collection agencies and continue to report to my credit report. Experian, XXXX and XXXX also have not investigated accordingly as when I dispute the collection with them they report it as correct in less than 24 hours of filing a dispute. I have also reported this account to federal trade commission.

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 2023-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK
State: OH

Complaint narrative:
This bank after having a mma and cd before, has continuously denied me from opening an account. They have no solid evidence to deny this. I have reached out to XXXX as I have a clear and clean record, and I have a perfect 800+ credit score with no freezes nor fraud alerts on my credit reports. This bank needs to be investigated as to why they refuse to allow me to open an account unless its because they are discriminating against me for my support of the XXXX XXXX XXXX XXXX XXXX which most banks hate. I have consistently XXXX to XXXX XXXX XXXX and XXXX XXXX presidential campaigns with the XXXX XXXX which is disclosed on tax forms. The bank would have knowledge of this and this is why after having closed my previous accounts they refuse to allow me to open a new account. As mentioned above there is no solid evidence with XXXX or the credit agencies as to why midfirst ( Vio-Bank ) deny the accounts from being opened.

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 2023-11-16 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: GA

Complaint narrative:
I am writing to formally file a complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, Equifax has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Equifax has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ

Complaint narrative:
I am a beneficiary on a traditional IRA at First Citizens bank. The name they have listed for me as beneficiary is under an old name of mine ( it was my legal name at the time, but since then I have changed my legal first and last names. I have already provided First Citizens the name change documentation ). The person holding the IRA has died and I therefore I set up an inherited IRA with XXXXXXXX XXXX to have the funds transferred into. I completed the paperwork with XXXXXXXX XXXX  and XXXX sent them to First Citizens, then First Citizens rejected the request stating the name of the beneficiary does not match the name the check is to be written to ( and of course I had already explained to them about my name change ). On XX/XX/23 I received andemail stating that the only way they will issue the check in my current legal name is for XXXX to add the wording " formally known as ( my former name ) after my current legal name ''. I have spoken with supervisors at XXXXXXXX XXXX  and was told XXXX is unable to do this and that First Citizens has the legal responsibility to look at the name change documents I have provided them and issue the check in my current name. In addition, First Citizens needs to send that check directly to XXXX XXXX and follow the other instructions, so that it goes directly from IRA to IRA and is not treated as distribution. There is not a First Citizens branch near me ( the closest is about 2 and 1/2 hours each way and it is not clear that even if I drive there they will honor this ). I just need First Citizens to use the name change documents I have provided, I also have other things in previous name if that would help. Then issue the check as directed by XXXX XXXX. Please help! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I called EXPERIAN and I told them that my correct address wasn't showing on my credit report file. They claimed they have it on file.

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 2023-11-16 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: First Credit Services Inc.
State: GA

Complaint narrative:
I am not responsible for this account, have tried to remove the inquiry from my credit score but company was not able to resolve the issue. 

First Credit Services Opened on XXXX In the amount of : {$150.00} I have not given consent to any type of payment for services. This is not my responsibility as I have no commitment with First Credit Services. The company who sent me to collections has been in prior communication and I have notified on multiple occasions via email, mail & in person of this ridiculous amount that has been accumulating throughout the year. I have no association with them and have proof of all closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX  - {$280.00} - Balance Updated XX/XX/2023 - This is a fraudulent and unauthorized charge on my credit report, I never authorized XXXX to charge my credit and I never opened an account with them and I want this false information. I contacted them multiple times about this issue through phone calls and emails. I also put in multiple disputes with third party companies like XXXX XXXX and even with XXXX and this is still a standing issue that needs to be resolved. 

XXXX XXXX XXXX  - {$780.00} - Balance Updated XX/XX/2023 Department Of Education - {$10000.00} - Balance Updated XX/XX/202XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX - {$280.00} - Balance Updated XX/XX/2023 - This is a fraudulent and unauthorized charge on my credit report, I never authorized XXXX to charge my credit and I never opened an account with them and I want this false information. I contacted them multiple times about this issue through phone calls and emails. I also put in multiple disputes with third party companies like XXXX XXXX and even with XXXX  and this is still a standing issue that needs to be resolved. 

National Credit Adjust - {$780.00} - Balance Updated XX/XX/2023 Department Of Education - {$10000.00} - Balance Updated XX/XX/2023XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover Bank - {$280.00} - Balance Updated XX/XX/2023 - This is a fraudulent and unauthorized charge on my credit report, I never authorized Discover to charge my credit and I never opened an account with them and I want this false information. I contacted them multiple times about this issue through phone calls and emails. I also put in multiple disputes with third party companies like XXXX XXXX and even with XXXX and this is still a standing issue that needs to be resolved. 

XXXX XXXX XXXX - {$780.00} - Balance Updated XX/XX/2023 Department Of Education - {$10000.00} - Balance Updated XX/XX/2023 XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
Although this matter has been handled on my part, because the account is still reporting, I am within my consumer rights to ask for the contract and all details in the reporting of the VIN # /Account number. And this information, by law is to be submitted to me not later than 15 days. Do not hesitate to include a full accrual account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: PA

Complaint narrative:
Trans Union, XXXX, and XXXX is reporting account transactions and my identifying information from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX without proper consent. I never gave any written consent to any of the companies for share, transfer, or sell my identifying information. 

All the companies actions have caused a breach and now my identifying information has been exposed. These actions constitute identity theft and criminal activity. 

I am taking the necessary actions to require that the companies cease furnishing and reporting my 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 2023-11-16 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Gredit Reporting Act ( Account Name & XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 16668 : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of savoral laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: NC

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

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 2023-11-16 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On Thursday XX/XX/XXXX, someone got a hold of my debit card number and pin number. They wrote my debit card to a XXXX XXXX device and went into a Wells Fargo Branch. They used the tap function of the debit reader at the teller, and input my pin number. They then withdrew XXXX dollars, and purchased a bank check for XXXX dollars. After XXXX business days, Wells Fargo credited by my XXXX dollar fraud claim, but denied the XXXX dollar fraudulent check claim. Someone who was not me got my money from the company that is supposed to keep it secure, and at no point was their identity properly verified or the transaction seen as strange.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I wrote already a letter to Equifax and XXXX regarding personal information incorrectly reporting on my credit report but I've never lived or associated with the addresses they are reporting. I want these addresses that they're reporting removed from my report.The only address that I have lived at for the past 12 years is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. The incorrect addresses that they are reporting are as follows : For XXXX they're incorrectly reporting this addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 
For Equifax they're incorrectly reporting these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Lastly, for XXXX they're reporting my name inaccurately as " XXXX XXXX '' and I don't go by that name at all. Please have someone look at this. I made an FTC report and I sent to each agency after instructed to by them and nothing was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: DE

Complaint narrative:
In accordance with the fair credit reporting act several accounts have violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose XXXX, Experian, and XXXX have gone this repeatedly on my credit reports. 

I am requesting that the information be corrected, and removed immediately as it is damaging to my credit report in trying to obtain any kind of credit to prevent homelessness, and other funding options. 

I am forwarding this information also to my attorney. 

Thank you cfpb for your attention to this matter. 

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 explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My address was recently change on my consumer report to an address that I have no association with. I have never lived at the address that is reporting on my consumer report. 15 USC 1681 ( a ) ( 4 ) states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I called EXPERIAN and I told them that my correct address wasn't showing on my credit report file. They claimed they have it on file.

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 2023-11-16 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I spoke to a representor on XXXX and she stated that my account with Ally Financial was reported completely accurate. ( This was on a recorded line ). I pulled my credit officially the next morning and saw that there are several inconsistencies with the date of account opening, last active date and date of Last payment. I have enclosed a copy of the most recent report and highlight the dates that are all different through all 3 major Bureaus. XXXX, XXXX, and XXXX. The account in violation is listed below : Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I wish to have said ; account completely removed from all three Bureaus immediately as they are in direct violation of the FCRA ( Fair Credit Reporting ACT ).

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
They have already closed my complaint without any further resolution. Their REMARKS from my recent credit report says : " reinvestigation in progress ''. However, they have already closed my complaint through this channel. I can't seem to understand the connection. When it's closed then reinvestigation is done. But when reinvestigation is still in progress, they shouldn't close it yet. This is so unfair and I don't see their results valid.

Company response to consumer: Closed with non-monetary relief