vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: IL

Complaint narrative:
I am writing to dispute the claimed balance of {$1100.00} on my account, as per complaint number XXXX, and to address the unlawful reporting of these disputed charges to credit bureaus, which I believe violates my consumer rights under federal and state law. 

XXXX of Apartment and Unaddressed Maintenance Issues : As previously stated, my apartment suffered from severe infestations and mold, making it uninhabitable. Despite numerous requests, these critical issues were not resolved, breaching the implied warranty of habitability as guaranteed under [ Your XXXX ] XXXX XXXX ( specifically, [ cite relevant statute ] ). 

Improper Use of Security Deposit : The security deposit should cover any claims for damages due to conditions that were beyond my control and responsibility. The request for additional payments is unjust, especially when considered against the backdrop of your failure to maintain the property as legally required. 

Illegal Credit Reporting : Furthermore, the action taken by XXXX XXXX XXXX to furnish this disputed debt to credit reporting agencies prior to the resolution of this dispute may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires creditors to report only accurate and fully verified information to credit bureaus. Under the FCRA, I have the right to dispute inaccurate information, and creditors are obliged to refrain from reporting disputed amounts until such disputes are resolved. Additionally, [ Your XXXX ] XXXX XXXX XXXX ( [ cite specific statute ] ) also provides protections against unfair billing and credit practices. 

Request for Immediate Correction and Account Review : I request an immediate retraction of the debt reported to the credit bureaus until our dispute is formally resolved, in accordance with the FCRA and state law. I also insist on a thorough review and adjustment of my account, considering my detailed objections to the charges and the propertys failure to meet legal habitability standards. 

I urge XXXX XXXX XXXX to address these concerns promptly and in compliance with all relevant laws to correct any inaccuracies in my credit report and resolve this financial dispute fairly. 

Thank you for your attention to these serious matters. I anticipate your cooperative resolution and await your detailed response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S. C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written

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 2024-08-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
While checking my credit report, I observed that account XXXX ( XXXX ) has records of late payments that are inaccurate, since I have always met my obligations. I have made multiple disputes regarding this issue, but the mark has only 'validated ' itself according to them, without offering certified evidence that I was indeed in default. Therefore, I am filing this complaint, as I believe the company is infringing upon the sections of 15 : 15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle.

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 2024-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX continues to falsely report information that they claim to have verified on complaint XXXX I have made several requests via certified mail and in writing and they have not provided me with any information. They sent me a letter dated, XX/XX/year> saying only that they verified their information but did not provide any documents. I have told the below three items, is not my debt and requested the following. 

1. Collection Wakefield and Associates- not my debt. 
XXXX. XXXX XXXX XXXX Illinois XXXX XXXX- not my case XXXX. XXXX XXXX XXXX I have asked XXXX XXXX to provide me with proof of the debt 1. signed contract 2. copy of my picture ID with said contract.

3. Itemized bill, paperwork, 4. who they verified this debt with 5. The persons name and phone number 6. Provide the date and time the person verified this information. 

XXXX XXXX is maliciously saying that this information is verified but they have not provided any documentation to me as I have requested many times. They must to provide this information immediately, they have been saying the same thing since last year and have not provided any documents. They are causing me severe emotional distress.

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 2024-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
my identity was stolen and several accounts were created in my name including this. Remove this fraudulent account to prevent it from further ruining my consumer report and good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: CT

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I logged in XXXX and it doesnt show current credit information. i sent my license, social security card, and an utilitiy bill over 2 months ago. 2 times in the last 60 days. Equifaxes systems are not working properly and all the reps do is ask for the same information. and they say to mail the items. there should be a document upload feature to expedite the process. Fax would also be a great idea.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-06 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: GA

Complaint narrative:
There is no consistency in the data entry of these reports. 
15 U.S. Code 1681s2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the 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 2024-08-06 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:
There is no consistency in the data entry of these reports. 
15 U.S. Code 1681s2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My XXXX XXXX credit card had a limit of $ XXXX upon opening acct in XXXX. I have never been late & always paid more than the minimum payments. Suddenly, in XXXX they lowered my limit to {$700.00} which was about the same as my balance. The reason for this was stated as I had too many credit card accts, & I did not have a mortgage they could verify. They are correct on that I do not have a mortgage, I inherited my home from my XXXX & it is fully paid for & I am the sole owner. I also have XXXX other accts with Synchrony bank which are XXXX, XXXX, XXXX. They also lowered limits on these for apparently the same reasons. I have since paid off {$8000.00} or more on these XXXX accts in the last year making my combined balances less than {$2000.00} when the balances owed had been about {$11000.00}. My credit score is XXXX or above, although that seems to fluctuate daily like the wind. I have about 20 % usage compared to limits on all my credit cards combined which I am told is great as long as you are less than 30 % usage. I tried to call & speak to someone again today XX/XX/XXXX & they told me to contact the credit bureau then they hung up. That is nonsense as the credit bureau has nothing to do with increasing credit limits. There is absolutely no reason they should not approve a credit limit increase from {$700.00} to at least half of what it was in the beginning. That number would be {$3000.00} as the limit was almost {$6000.00} upon opening this acct.

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 2024-08-06 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-08-06 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-08-06 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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:
I consistently ensured timely payments, so I'm puzzled by an error in 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 non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-06 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: NJ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: CT

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America would close out XXXX checking account, but is not providing me the reason behind the closure other than terms and condition. They would tell me to read the terms and condition rather than tell me that the account is closed. They do not care about people with XXXX. They care about XXXX against people with XXXX. That is all they care about. They do not tell me the real reason behind that. Bank of America would do things behind close door and do everything in their power to hide why the account is closed. They have not provided me with notice. When I asked the supervisor XXXX or XXXX as to why the account is closed. They would withhold information instead. That is what they care about. Bank of America does not care about their customer even though it is business decision. They tell me to figure it out on my own with the terms and conditions that I agree and understand. They refuse to provide more information. They decide to hide the information from me. That is what they 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 monetary relief
Consumer complaint received 2024-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
While checking my credit report, I observed that account CAP1/XXXX  ( XXXX ) and CAPITAL ONE ( XXXX ) has records of late payments that are inaccurate, since I have always met my obligations. I have made multiple disputes regarding this issue, but the mark has only 'validated ' itself according to them, without offering certified evidence that I was indeed in default. Therefore, I am filing this complaint, as I believe the company is infringing upon the sections of 15 : 15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle.

Company response to consumer: Closed with explanation