vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 0. I have proof of Negligence as well as Non-compliance. 
Account name : XXXX XXXXXXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

XXXX has deleted this account, XXXX XXXX Equifax need to please follow suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hello, I was given a very short deferment by Truist Bank, but was not given their longer deferment program due to extreme financial hardship. They told me to call XXXX of their account managers due resolve the situation and was given the run around, then was passed on to their underwriters who said they could not do anything for me nor even lower my payments. Then, they advised me to speak to collections again about their longer deferment period program which I am eligible for and was Ultimately. they completely ruined my credit by XXXX points on every single credit bureau and ruining my access to lower interest rates and other creditors on my credit report. Therefore, Truist is responsible for more reporting bad information to not only all XXXX credit bureaus, but to all of the companies and creditors that I do business with. I have never missed a payment in over XXXX years and had a wonderful XXXX XXXX XXXX which is now completely disintegrated and, in my opinion, XXXX  Please help with this disservice. Thank you.

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 2024-08-26 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: PA

Complaint narrative:
**Re : Cease and Desist Demand and Dispute of Debt Account Number - XXXX Dear XXXX XXXX XXXX I am writing to formally dispute the debt referenced above, which you claim I owe. I request that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I request that you provide : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed explanation of how the debt amount was calculated.

4. Copies of any documents showing that I agreed to pay the alleged debt.

5. The name and address of the original creditor, if different from the current creditor.

Until I receive this validation, I consider this debt to be in dispute.

Furthermore, under 15 U.S.C. 1692c ( c ) of the FDCPA, I formally demand that you cease all communication with me regarding this alleged debt. This includes phone calls, letters, emails, or any other form of contact. The only exceptions are communications required by law, such as the validation of the debt as requested above.

Please be aware that failure to comply with this cease and desist demand may result in legal action against your company. I expect your immediate compliance with this demand and that all collection activities cease immediately.

Thank you for your attention to this matter.

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 2024-08-26 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:
Equifax data-breach exposed all my personal information and someone used it to open the accounts listed on my FTC ID Theft reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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:
XXXX data-breach exposed all my personal information and someone used it to open the accounts listed on my FTC ID Theft reports

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 2024-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
Im an XXXX XXXX XXXX and while on XXXXXXXX San Diego County Credit Union put in a collections for my auto loan even though I had the amount and the money to pay. Due to an error on their end they tried to repo my car I paid my loan up to current but they still arent trying to fix my credit error please help its destroying my financial life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public during the Equifax, XXXX, and 2024 data breaches. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously and PERMANENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: LA

Complaint narrative:
In XX/XX/XXXX we entered the Covid Forbearance program. I was given a letter on XX/XX/XXXX advising that I successfully came out of the Forbearance program and that ALL past-due amounts would be approved for a payment deferral where ALL those payments get put at the end of the mortgage. The letter explicitly states that XX/XX/XXXX will be the start of the monthly payments coming out of the Forbearance Program. 

However, XXXXXXXX XXXX  incorrectly reported the XX/XX/XXXX and XX/XX/XXXX as LATE to the credit bureaus even though XXXX XXXX never attempted to assess a late payment which is further evidence that they incorrectly reported this to the credit bureaus. 

I would like this to be immediately remedied by XXXX XXXX and an apology letter sent so that I have proof that this has been immediately resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I currently have a Banana Republic Store Credit Card. I have had the card for over 20 years and am in good standing with the account. Banana Republic decided to turn over their credit card business to Barclays. I received a letter in the mail last week with a new credit card except this card is a Banana Republic Master Card. The communication also stated that I need to activate this card, and this will replace my store credit card. I have no interest in having a new master card, so I called them. They told me that I received a communication in XXXX  ( which I do not ever remember receiving ) that stated if they did not hear back from me with a desire to keep my current card by the end of XXXX, my account would migrate to a master card account. I told them that I do not ever remember receiving the communication and wanted to keep my current card. I was told that since I missed the period for communicating back to them in XXXX, that my account will be moved and there is nothing I can do about it. The person also refused to let me speak with a supervisor. So, I told them to cancel that master card account. This is bad practice and wonder if it is even legal.

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 2024-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Upon logging in to XXXX Bank 's website I selected the option to pay my current balance. On their website there are XXXX options : pay the minimum payment, the statement balance or the current balance. 

Since I knew I would be away from home caring for a sick relative, I elected to pay the current balance as of XX/XX/year>. The payment displayed online as {$170.00}. However, according to Commenity that balance was not correct as they access something called a " minimum interest fee. '' They also had not applied a late payment as of that that date, despite XX/XX/year> being after my due date. Therefore, the following month I was billed a {$30.00} late fee- despite their system displaying my current balance as only {$170.00}. The following month I recieved a text message stating they were trying to reach me about my late payment. Apparently I have now been charged another late fee on top of my late fee and a {$2.00} " minimum interest fee '' despite paying back the {$170.00} I borrowed in full. So despite requesting to pay my balance in full on XX/XX/year>, I have now been accessed {$62.00} in additional fees and no new purchases. I tried working with the company and they are not willing to waive more than {$15.00} of those fees. However, {$60.00} in late fees and a {$2.00} charge, is very excessive given I have a {$0.00} balance. I reached out trying to get fees waived entirely and pay the intial {$30.00} in fees. XXXX representatives argued with me and stated that wasn't enough and would not accept my payments by phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I paid my balance in full, then Synchrony closed my account without my consent. Now my credit score is lower.

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 2024-08-26 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: Experian Information Solutions Inc.
State: NV

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

Company 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 2024-08-26 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: SC

Complaint narrative:
CREDIT BUREAU : EQUIFAX FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EQUIFAX TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EQUIFAX HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF EQUIFAX DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EQUIFAX COMMISSION FILE NUMBER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I WILL BE FILING 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EQUIFAX IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: PA

Complaint narrative:
Cease and Desist Demand and Dispute of Debt Account Number - XXXX Dear XXXX XXXX XXXX I am writing to formally dispute the debt referenced above, which you claim I owe. I request that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I request that you provide : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed explanation of how the debt amount was calculated.

4. Copies of any documents showing that I agreed to pay the alleged debt.

5. The name and address of the original creditor, if different from the current creditor.

Until I receive this validation, I consider this debt to be in dispute.

Furthermore, under 15 U.S.C. 1692c ( c ) of the FDCPA, I formally demand that you cease all communication with me regarding this alleged debt. This includes phone calls, letters, emails, or any other form of contact. The only exceptions are communications required by law, such as the validation of the debt as requested above.

Please be aware that failure to comply with this cease and desist demand may result in legal action against your company. I expect your immediate compliance with this demand and that all collection activities cease immediately.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts, XXXX XXXX and XXXX XXXXXXXX do not belong to me and are closed, so they must come off. I also said that XXXX XXXX  XXXX ( late payment ) and XXXX XXXX XXXX XXXX ( late payment ) have never been late and must be updated. I also did not open any new XXXX  loans in XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX, so that also needed to come off of my report. These both have the same account number and are for the same amount. This appears to have been opened in XXXX. There is a collection on my report from XXXX XXXX XXXX XXXX. They are reporting negatively on my report, and I wanted them removed. The only response I received was that someone would call me back. I never got a call back ; it was only a notification that the information was correct. I have not applied for new cards or accounts, but I see XXXX forms for XXXX. 

My correct address is not listed on the report ; a few other addresses are deliverable and belong to someone else. I told them all its information, and they have done nothing. Meanwhile, I still get alerts that my information has been compromised. All of this needs to be corrected as it Is causing me undue stress and hardship.

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 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a Citibank XXXX cash card and there was a merchant offer of 10 % back on XXXX car rental. This offer was enrolled before XX/XX/2024 and had an expiration date of XX/XX/XXXX ( screenshot shows expiration and associated card last XXXX ). The transaction was made with XXXX car rental for {$110.00} on XX/XX/2024 ( screenshot shows transaction on last XXXX of card on top ) and as per the offer terms, the cashback was supposed to credit within XXXX weeks. As of XX/XX/XXXX, the cashback has not been credited and I have made at least XXXX different communication with Citi and most agents are not aware of merchant offers or can see the past offers. After an escalation was made, Citi sent a snail mail telling they do not have record of this offer and to send front and back copy of the offer. This proves the agent handling this " escalation '' did not even understand the concern. Merchant offers are in-app digital offers and do not have a XXXX XXXX so the question of sending front and back is irrelevant. After following up with a supervisor on chat after this they said that Citi reserves the right to refuse eligibility when they deem so there is nothing they will do. After exhausting all options and spending hours with Citi, I have no option but to officially log a complaint.

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 2024-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I applied online today at XXXX XXXX for a {$400.00} short term loan for a car repair through XXXX and was connected with Netcredit.com. I received an approval of a {$1400.00} line of credit once I entered my data. I was provided a contract online and completed it and requested a {$350.00} advance. At XXXX XXXX I received a decline stating that I already had an account with Net Credit which I do not. I called at XXXXXXXX XXXX and finally spoke to an agent who said their system was being updated and that she didn't have any inifomation because she couldn't access my account and requested I call back in bout XXXX or XXXX hours. At XXXX I received another decline for " bank activity '' ( I don't know what that means ). Then at XXXX I received another email saying my application was being processed, so I thought the previous application was party of their computer issue. At XXXX XXXX, I called again, and was told that despite my contract and the previous approval I was being denied. The agent couldn't even explain what " bank activity '' meant. This entire exchange left me far worse off than if I'd never come across the company. They lied, nicked my credit score by pulling a report after my approval and then denying me, and still left me without the funds to fix my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief