vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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: PA

Complaint narrative:
Under the FCRA, this account below has violated my consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX  : # XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have privacy rights.

15 USC 1681 section 604 ( a ) Section 2 also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years. 
15 USC 1681 s-2 ( a ) ( 1 ) a person should 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. 
15 USC 6802, I never received the required opt-out notice when the account was being reported ( they never gave me the opt-out notice ). I have a right to opt out of any reporting of non-public info.

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 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: TX

Complaint narrative:
To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

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 2024-07-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
ON XX/XX/XXXX I RECEIVED A CHARGE OF {$1800.00} ON MY CREDIR CARD NUMBER ENDING IN XXXX. I DISPUTED THE CHARGE AND RECEIVED A NEW CARD ENDING IN XXXX. THE DISPUTE WAS DENIED ON XX/XX/XXXX BY XXXXITIBANK. I SENT A CERTIFIED LETTER WITH MY ATTORNEY ON XX/XX/XXXX. I HAVE NOT RECEIVED ANY RESPONSE

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 2024-07-30 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: CA

Complaint narrative:
attached is a ftc report. 

I am a victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transactions that i have made. it is the result of identity theft. please block this information from my credit report, pursuant to section 505b of the fair credit reporting act and send the required notiifcations to all furnishers of this information Transunion XXXX XXXX XXXX  XXXX XXXX inquiry

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my credit report and noticed that there were accounts that were not reporting accurately and that were incomplete. According to the F.C.R.A whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I disputed the information with the credit reporting agencies, but nothing changed or was corrected. I sent them a letter to reinvestigate these accounts listed below because : [ XXXX / XXXX XXXX  ] the closed date, last activity and payment history are not correct. This account is not accurate. 

[ XXXX XXXX  ] the last activity and payment history are incorrect. This account is not accurate. 

They have not responded to me. 
[ XXXX ] the closed date, last activity and payment history are incorrect. This account is not accurate. 

[ Us Dept. Of Education ] the closed date, payment history, and last activity are incorrect. This account is not accurate. 

[ XXXX - XXXX ] the delinquency information on this account is incorrect. This account is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: KS

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JMS Associates, Inc.
State: FL

Complaint narrative:
I am a former business owner and owe a balance to XXXX XXXX XXXX  They referred my account to a collection agency, and the collectors name is XXXX XXXX from JMS associates. I have been communicating with him and advised him that I wanted to verify the amount owed with the original debtor. Today I received a text message from XXXX XXXX that states I just spoke with XXXX XXXX at XXXX XXXXXXXX. There were no payments made on this account since the check bounced. The balance is {$1200.00}. At this point I have been very patient but its either you agree to the payment plan and start paying {$310.00} a month or I will make a call to the XXXX XXXX XXXX XXXX and get them involved. The choice is yours. XXXX XXXX violated my consumer rights by threatening to call law-enforcement if I didnt start paying the amount he stated in his text message. The above information was copied right from the text message I received. He didnt even give me a chance to reach out to the original debtor and verify the balance owed. This is horrible business practices and violates the fair credit reporting act by threatening a consumer. Something needs to be done to stop these collection agencies from making threats.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My file has some misinformation coming from my credit report. Theses inaccurate postings are causing issues with my standard of living. I demand all questionable items be reviewed and deleted as they are not completely accurate.

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 2024-07-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Fresh Holdings Inc
State: AZ

Complaint narrative:
The Gave me feedback for the last time report. Or whatever and they lied and said that I opened my account in XXXX when all I did in XXXX is make the credit some larger not make a whole new. Account, anyways, you know what I'm saying, so for them to lie and keep lying like that is not fair and I don't understand why I'm doing business with them. So I will not be paying them anymore and they can charge it off or something, but that's an absolute lie, because I've had that account since about XXXX. Before I went to jail, so shut up. That's XXXX Anyways, they must not be talking about my account.So yeah, I should probably close it or whatever I don't know.Maybe they're maybe I don't think they are, though makes no sense to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/year> XXXX around XX/XX/XXXX, I filled out paperwork on the internet to open up a Truist One checking account and a savings account. I received an email stating that a trial deposit would be made to my old checking account to verify the account information, which would less than {$1.00}. 

There were 3 small transactions which were made to my old account. I waited to hear from Truist Bank on how to proceed next to transfer the money to open up the new accounts. I was provided with accounts numbers of the accounts but did not receive the information on how to proceed. I then decided to call to check on this and was told that the accounts had been closed but I was not provided with a reason as to why. 

I then proceeded to go to the local branch to speak to someone about this. I met with XXXX XXXX and explained to him what had happened. He reviewed the information on his computer and made a telephone call to someone about this. He then said that the accounts were closed due to fraud issues on the application but he could not tell me exactly what kind of fraud it was. He then stated that the bank uses XXXX on all new customers and that I could contact them about the issue. 
He provided me with the telephone number to contact the company about the results of the report. I contacted the company and requested a copy of the report and also spoke with a man who went over the report and explained it to me. He said as was noted on the report there was no information found except for my social security number had been verified. He also stated there was nothing about fraud on the report. 

I then called XXXX XXXX back that afternoon to explain to him what I have discovered and he stated he was not going to argue with me about this and was quite rude. He did say that I would be receiving a letter explaining the reasons for the accounts being closed. 

I received two identical letters dated XX/XX/year> from the XXXX XXXX XXXX XXXX stated that the savings account had been closed. 

I continued to receive emails concerning the debit card and how to proceed to transfer the money to the new accounts which had been closed. 

I still have not received any explanation as to why the accounts were closed. 
It concerns me that the reason mentioned was fraud but I have no idea just what kind of fraud the bank is talking about. I have since done some research which reveals that this seems to be a common practice of what Truist does to potential customers. 

The number of negative reviews on the internet is quite interesting, to say the very least. I have no idea how a bank can do some of the things which people have stated it has done.

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 2024-07-30 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: GA

Complaint narrative:
This account for XXXX XXXX was opened on the following date ( XXXX ). Since then, the Date Of Last Activity has been inconsistently updated. On XXXX the date last active was ( XXXX ) and on Transunion its ( XXXX ). If the information is coming from the same creditor, the dates should be the same. Both XXXX and Transunion failed to investigate this account properly after I repeatedly ask to have this account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX  XXXX Acct # 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 2024-07-30 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: AL

Complaint narrative:
I am writing to express my deep concern regarding several inaccuracies present in my credit report, which have been the subject of previous disputes submitted by me on multiple occasions. Despite my efforts to resolve these discrepancies, the disputed accounts remain uncorrected, causing significant harm to my credit standing and overall financial well-being. 

Specifically, I am disputing the following accounts : [ List the disputed accounts with details such as account numbers, creditor names, and the nature of the inaccuracies ]. These accounts are erroneously affecting my credit score and are hindering my ability to secure credit and other essential services. The impact of these inaccuracies has been profoundly detrimental, leading to undue stress and financial hardship. 

I kindly request a thorough investigation into the reporting of each disputed account. It is crucial that the necessary corrections are made to reflect accurate information on my credit report. Please provide written confirmation of the results of your investigation, including the actions taken to address these errors. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and expect a prompt and fair investigation. I urge you to prioritize this matter and expedite the resolution process. Your prompt attention to correcting my credit report will be greatly appreciated and will help restore the integrity of my financial records. 

Thank you for your time and assistance in resolving this urgent matter. I look forward to your swift response and a resolution to this issue.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
Upon the return of my lease BMW extorted me by threatening to charge me {$750.00} if I did not have their dealer partner replace the brake fluid on the car before it was turned in. This car only had XXXX miles on it after XXXX years. The lease was for XXXX miles. The car did not need brake servicing, and this is when fluid is evacuated form the vehicle as part of the normal brake service. This was a totally unnecessary " service ''. I have never been asked in over XXXX  years of leasing cars from XXXX, XXXX, XXXX to " replace '' brake fluid as a service. I have also never been extorted by the automobile company with a threat of a {$750.00} penalty for not doing so at their dealership partner. 

I called BMW finance and customer service and was told this charge was removed. However, the {$300.00} I was extorted to pay for an erroneous repair was not. I told BMW XXXX that I would not pay the {$380.00} disposition fee unless they investigated my complaint about forcing me to do an unnecessary repair at their dealer and not giving me the option of having this accessed at another repair shop. I believe this to be a fraudulent business practice to force me to pay for unnecessary repairs with BMW dealers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This letter serves as a formal complaint that they are reporting in accurate and incomplete information on my credit report. The notation of the following late payment is in accurate. Please reach out and verify that all data for this account is reporting accurately, including every time late fee and date and balance, whether reported or not. 15 USC 2b. I respectfully request to be provided with proof and those payments were in fact late. By the provisions of the consumer protection law, I demand that it failed to do so or liking proof of these payments being late please update my payment panel paid as agreed never late and supply a corrected credit profile to creditors who have requested a copy of my credit report in the last six months. 15USC 1666b I am also requesting the description of the procedure used to determine the accuracy of this information. I have read that this must be provided within 15 days. I also read that under federal law. They have 30 days to complete the investigation. USC 1681B I am understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter or you must remove the incorrect information. 1681C 2 A consumer reporting agency shall block the reporting information of any information in the file of a consumer that the consumer identifies as information that resulted as a ledge, identity theft, not later than four business days after the date of receipt. If 30 days pass, you are in violation of this law. Because I am a victim of identity theft please delete these items immediately. Please send me an updated copy of my credit report to the above address, thank you so much for your prompt attention time and help in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: TX

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 2024-07-30 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: NV

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief