vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I disputed inaccurate information on my report. The three credit reporting agency ' s will not remove them. It is starting to look unfair to minorities. No matter what you prove to them about their mistakes such as name, wrong bad address, and things that should not be on my report. closed accounts with no balances they will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I disputed inaccurate information on my report. The three credit reporting agency ' s will not remove them. It is starting to look unfair to minorities. No matter what you prove to them about their mistakes such as name, wrong bad address, and things that should not be on my report. closed accounts with no balances they will not remove.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am writing to formally address several violations of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts listed below have been mishandled : 1. XXXX XXXX - Account Number : # XXXX 2. XXXX XXXX Account Number : # XXXX 3. SBNASELFLNDR - Account Number : # XXXX 4. XXXX XXXX  - Account Number : # XXXX 5. XXXX - Account Number : # XXXX Upon reviewing my XXXX credit report on XX/XX/year>, I noticed several inaccuracies and incomplete entries. According to the Fair Credit Reporting Act ( FCRA ), when a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual ( 15 USC 1681e ( b ) ).

Furthermore, according to 15 USC 1681i ( 5 ), consumer reporting agencies are mandated to promptly delete or correct any information found to be inaccurate or incomplete after a reinvestigation. Specifically, they must : 1. Promptly delete the inaccurate or unverifiable information as appropriate based on the results of the reinvestigation.

2. Notify the furnisher of the information that the data has been modified or deleted from the consumers file.

Additionally, under 15 USC 1681s-2, furnishers are prohibited from providing information to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

I request that the necessary corrections be made to my credit report immediately, and that I be informed of the actions taken to resolve these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
There are unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX ; CitiBank ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion has destroyed my life. They ignore letters, send stall letters, or just send automated computer responses. They continue to violate federal law and act as if they are above the law. This is unfair, and has made my life hell.

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 2024-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Dear Comenity Bank and XXXX XXXX XXXX, I am writing to formally dispute the debt allegedly associated with my account, number XXXX, that has been sold to XXXX XXXX XXXX. I request that Comenity Bank and XXXX XXXX XXXX provide validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

**To Comenity Bank XXXX ** You have breached our agreement by failing to allow me the opportunity to exercise the dispute resolution process as outlined in our credit card agreement. I was not given proper notice or the opportunity to resolve this matter before the debt was sold to a third-party collection agency. This breach of our agreement has caused undue stress and harm to my creditworthiness. 

**To XXXX XXXX XXXX XXXX ** Please consider this letter a formal request for debt validation. I demand that you provide the following information : 1. Proof that you have the legal right to collect on this debt.

2. A complete accounting of the alleged debt, including all charges and payments.

3. Copies of any agreement that shows I am legally obligated to pay this debt.

Additionally, I hereby request that you cease and desist all forms of communication with me, except to provide the requested validation of the debt or to inform me that you are ceasing collection efforts. Any further attempts to collect this debt without proper validation will be considered a violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: NE

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was exposed during a data breach. The following accounts are 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 2024-08-01 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Was fraudulently charged a XXXX withdrawal adjustment for a purchase I had not made nor received because it was a scam XXXX XXXX and I was XXXX against by the bank Suncoast Credit Union

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I don't know where this should fall, but this is more of an Infrastructure design relating to credit reporting and shopping around. I used to originate mortgages and I understand why this exists, but nonetheless I still feel it is an absurd assault on consumers : I have applied for a home equity loan through my current lender who I plan on working with and no one else. When I have a credit inquiry, lenders know that I have had a mortgage related credit inquiry and literally the SECOND I approved my credit to be pulled, my phone started ringing. Within 10 minutes I had received several calls. Less than 24 hours later and I have had 57 ( nope, now 58 as I type this ) calls from lenders.

Again, I understand that this is related to a consumers right to shop around. I get that we want to prevent shady lenders from being able to close loans without the borrowers having opportunities to get the best deal. XXXX, I had to give this as part of my XXXX conversation, but at what point are we prioritizing giving these companies leads over the consumer experience. I haven't been able to listen to A SINGLE SONG on XXXX on my XXXX without it being interrupted by a call. If we, as a country, want to encourage consumers to use financial solutions and TRULY get the best deal, we have to be more innovative and come up with ways to do it without opening the consumer up to ENDLESS calls. 

CFPB needs to get the big wigs into an office and talk about what modern solutions we can find to offer people the opportunity to shop around without facing an assault of sales calls. XXXX, I can think of 3-4 viable solutions but knowing the bureaucracy of the Federal Government, I have a hard time believing whatever role sees this complaint will be able to get any level of leadership together to actually address this. This is embarrassing.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I don't know where this should fall, but this is more of an Infrastructure design relating to credit reporting and shopping around. I used to originate mortgages and I understand why this exists, but nonetheless I still feel it is an absurd assault on consumers : I have applied for a home equity loan through my current lender who I plan on working with and no one else. When I have a credit inquiry, lenders know that I have had a mortgage related credit inquiry and literally the SECOND I approved my credit to be pulled, my phone started ringing. Within 10 minutes I had received several calls. Less than 24 hours later and I have had 57 ( nope, now 58 as I type this ) calls from lenders.

Again, I understand that this is related to a consumers right to shop around. I get that we want to prevent shady lenders from being able to close loans without the borrowers having opportunities to get the best deal. XXXX, I had to give this as part of my XXXX conversation, but at what point are we prioritizing giving these companies leads over the consumer experience. I haven't been able to listen to A SINGLE SONG on XXXX on my XXXX without it being interrupted by a call. If we, as a country, want to encourage consumers to use financial solutions and TRULY get the best deal, we have to be more innovative and come up with ways to do it without opening the consumer up to ENDLESS calls.

CFPB needs to get the big wigs into an office and talk about what modern solutions we can find to offer people the opportunity to shop around without facing an assault of sales calls. XXXX, I can think of 3-4 viable solutions but knowing the bureaucracy of the Federal Government, I have a hard time believing whatever role sees this complaint will be able to get any level of leadership together to actually address this. This is embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I don't know where this should fall, but this is more of an Infrastructure design relating to credit reporting and shopping around. I used to originate mortgages and I understand why this exists, but nonetheless I still feel it is an absurd assault on consumers : I have applied for a home equity loan through my current lender who I plan on working with and no one else. When I have a credit inquiry, lenders know that I have had a mortgage related credit inquiry and literally the SECOND I approved my credit to be pulled, my phone started ringing. Within 10 minutes I had received several calls. Less than 24 hours later and I have had 57 ( nope, now 58 as I type this ) calls from lenders.

Again, I understand that this is related to a consumers right to shop around. I get that we want to prevent shady lenders from being able to close loans without the borrowers having opportunities to get the best deal. XXXX, I had to give this as part of my XXXX conversation, but at what point are we prioritizing giving these companies leads over the consumer experience. I haven't been able to listen to A SINGLE SONG on XXXX on my XXXX without it being interrupted by a call. If we, as a country, want to encourage consumers to use financial solutions and TRULY get the best deal, we have to be more innovative and come up with ways to do it without opening the consumer up to ENDLESS calls. 

CFPB needs to get the big wigs into an office and talk about what modern solutions we can find to offer people the opportunity to shop around without facing an assault of sales calls. XXXX, I can think of 3-4 viable solutions but knowing the bureaucracy of the Federal Government, I have a hard time believing whatever role sees this complaint will be able to get any level of leadership together to actually address this. This is embarrassing.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: MA

Complaint narrative:
Trying to close 4 different CD accounts, they removed the ability to do this on the website. Using the app, I submitted routing/account numbers, double and triple verified as correct. 

CIT is refusing to do this and is holding my money hostage. I called and begged them to close the accounts and transfer the money. They claim my routing numbers are incorrect, this is 100 % false because I typed the account number correctly in the secure message, triple checked it is correct. 

They refuse to help over the phone. They refuse to help over secure message. I don't know what to do. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
In accordance with the written instructions of the consumer to whom it relates. 
To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer.

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 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX 3 ATM withdraw were made on my account and i did not make this transactions or withdraws. I contacted my bank ( Square ) to let them know of the problem and they declined my despute. Their reason is because i still have possession of my debit card. However i explained to them that yes, i do have possession of my card but i did not make those transactions. I asked them for the merchant information and they declined to give me the information and they sent me an email saying ny dispute is denied and i can go find legal help to dispute their decision. 

XXXX transactions were made. 
XXXX for {$200.00} XXXX for {$180.00} XXXX for {$40.00} Total money stolen was {$420.00}.

Company response to consumer: Closed with explanation