vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-11-24 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: UT

Complaint narrative:
I Have reviewed my credit Report and found some inquires that I did not recognize 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  Transunion XXXX, XX/XX/XXXX, Transunion XXXX XXXX XXXX XXXXXX/XX/XXXX, Transunion

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 2024-11-23 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: UT

Complaint narrative:
I Have reviewed my credit Report and found some inquires that I did not recognize 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  Equifax. 
XXXX, XX/XX/XXXX, Equifax. 
XXXX, XX/XX/XXXX, EQUIFAX. 
XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Bankruptcy Reporting Under 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute the bankruptcy listed on my credit report with your agency. The information is inaccurate and/or unverifiable, as outlined under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

The bankruptcy I am disputing appears as follows : Bankruptcy Case Number:XXXX Filing Date : XXXX XXXX, XXXX Court Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXXfter reviewing my records and verifying with the appropriate sources, I believe this information is either inaccurate or can not be verified. I am requesting that you conduct a thorough investigation of this item as required by law. Specifically : Confirm whether the bankruptcy court reported this information directly to your agency.

Validate the accuracy and completeness of all associated details.

Provide a detailed explanation of your findings or promptly delete this item if it can not be verified.

Under 15 U.S.C. 1681i, you are required to complete this investigation within 30 days of receipt of this letter. Please provide written confirmation of your investigation results and any changes made to my credit report upon completion.

I have attached copies of relevant documents to assist your investigation ( e.g., my ID, court documents, credit report showing the disputed item ). 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to file a complaint formally regarding an issue with my Citibank account. On XXXX XXXX XXXX I deposited a total of {$5000.00} in money orders into my checking account. Shortly after that, my account was placed on hold, and I was informed that I would need to wait 1-2 business days for the hold to be lifted. 



After waiting the required period, I contacted customer service, only to be told that the hold would not be lifted unless the issuer of the money orders contacted Citibank to verify the deposits. I complied with this request, and the issuer contacted Citibank to verify the money orders. Despite this, I was subsequently informed that I must now visit a branch and provide receipts for the money orders to have the hold lifted. 



I find this series of events highly inconvenient and frustrating. I have complied with all your requirements, yet the hold on my account remains unresolved. This has caused significant disruption to my financial activities and is unacceptable.

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 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
During the pandemic in XX/XX/XXXX, I contacted XXXXXXXX XXXX XXXXXXXX XXXX regarding my inability to pay my Master Card account ending in XXXX. Instead of working with me they closed the account, charged it off in XX/XX/XXXX ( without ever sending me a 1099C ) and then proceeded to transfer it to a debt collector, MIDLAND CREDIT MANAGEMENT XXXX INC., who contact me in XXXX to workout paying them the balance of the charged off account. I told the gentleman I spoke to that I was just getting back on my feet and that I thought the account being charged off meant I would be able to negotiate a settlement amount and requested a copy of the 1099C but never received it. The settlement amount offered I advised was still not manageable but that I would try to make a {$50.00} payment. They have now initiated a lawsuit against me even though they charged off the account on their taxes and never supplied me with the 1099C I requested so I could file it with mine. 

XXXX and it's assignee MIDLAND CREDIT MANAGEMENT are attempting to be unduly enriched and in an attempt to defraud the IRS collect a judgment against me for a charged off account which they conspired to obtain a judgment hold against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: MN

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: NY

Complaint narrative:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-23 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: NY

Complaint narrative:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: LA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Bank on XX/XX/XXXX under account number XXXX. This and also a number of fraudulent inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, all of these happened on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, that happened on XX/XX/XXXX. Also XXXX XXXX that happened on XXXX, XXXX XXXX. Ive attached a a copy of the consumer FICO credit report maintained by which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, and inquires appearing on my consumer credit report maintained by you where not opened, made, or initiated by me. All of the aforementioned accounts and inquires are a result in identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and inquires are the result of identity theft and fraud.

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 2024-11-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Several months ago, I purchased a pair of pants online from XXXX XXXX, using their store credit card.l They cost approximately {$3000.00}. I am XXXX XXXX XXXX, and had trouble keeping up with XXXX XXXX XXXX  ( their official name is " Comenity Bank '' ) short payment periods. I kept getting hit with late charges of {$35.00} each, and 35.99 % interest. I was running late the bill cycle before last, so in order to make the due date I paid the entire balance over the phone using my checking account ( which they said you could do ). I followed the instructions, and was led to believe that the payment had been made. Subsequently I get another bill from them with another {$35.00} late fee. I call them and tell them I paid that bill in full over the phone, and they had a record of my call on XXXX XXXX, but they said the transaction didn't go through, I told them that was their fault not mine, but they didn't care. In sum, I have paid them around {$200.00} for the {$30.00} pair of pants.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
COMENITYCAPITAL/NFLVS Account XXXX this account was paid off CCB/NFLVISA Settled Settled On XX/XX/scrub>XXXX by settlement through Forth, and now I have the same one with the same account number saying I need to pay this bill again ... .I tried to file a complaint but it is not doing any good ... ... thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Lien release
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This is an equitable title that I hold. I am the beneficiary of this title. I have been making payments on this title since XXXX  I request aThis is a equitable title that I hold. I am the beneficiary of this title. I have been making payments on this title since XXXX. I request a refund all funds and penalties over the years I request my accounts, be adjusted and release of all paperwork showing that the loan has been satisfied. I have provided documentation from IRS Social Security, and the secretary of state of Virginia showing I have no liens or debts against my accounts all has been satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express high yield savings account has frozen my account and will not tell me why. They have prohibited me from making transfers into or out of the account. I called them on XX/XX/year> after receiving an email to contact them about my account. When I spoke to customer service, they asked me to verify an outgoing transfer was valid/legitimate, which I confirmed. I was then told my account was in good standing and the problem was solved, however that is not the case. Yesterday I noticed several credit card payments and transfers being rejected from my Amex savings account, which caused late fees and overdraft fees. I was not told my account was frozen or why. American Express has refused to give me access to my bank account, or tell me how to fix the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: Chime Financial Inc
State: NY

Complaint narrative:
XX/XX/XXXX, a transaction for {$63.00} was posted to my Chime account for services I did not receive from a can service. I promptly reported this unauthorized or disputed transaction to Chime. Despite this, no provisional credit has been applied to my account, as required under Regulation XXXX ( XXXX XXXX Transfer Act ). This failure has caused me financial hardship and dishonor. 

1. Regulation E ( 12 CFR 1005.11 - Procedures for Resolving Errors ) Financial institutions must investigate reported errors, provide provisional credit to the account within 10 business days, and conclude the investigation within 45 days. 

Chimes failure to issue a provisional credit violates this regulation, especially as no safeguards or accurate verification of the dispute were undertaken. 

2. Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 et seq. ) This law protects consumers against unauthorized transactions. Financial institutions are required to respond promptly to disputes and safeguard account holders ' funds during investigations.

3. Unfair or Deceptive Acts or Practices ( UDAP, Section 5 of the FTC Act ) Chimes failure to safeguard your account, resolve the dispute, or adhere to required protections may constitute an unfair or deceptive act.

4. Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5531 ) Prohibits financial service providers from engaging in acts or practices that are abusive, deceptive, or unfair. Chimes handling of this dispute may fall under these provisions.

5. Duty of Care in Financial Institutions Financial institutions are obligated to act in good faith and ensure their processes are fair, transparent, and diligent when dealing with disputes. Chimes actions ( or lack thereof ) breach this duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I sent a letter requesting validation of the debt. The letter stated the following. 

I am writing to request a validation of the debt you are claiming I owe. Please provide the following within 30 days. 

1. The amount of the debt.

2. The name of the Credit, whom the dad is owed.

3. A copy of the original contract agreement showing my responsibility for the debt.

4. Any judgment or other legal action taking related to this debt.

5. Verification that the statute of limitations has not been exceeded for the state of Kentucky. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: OH

Complaint narrative:
Im in disagreement with the account listed below which stills appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are high injurious to my credit score. 

XXXXXXXX XXXX  ( Account Number : XXXX ) In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title IV, Section 611, please provide the names and business addresses of each individual with whom you verified above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-11-24 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: Fidelity National Information Services, Inc. (FNIS)
State: KY

Complaint narrative:
Back in XXXX my boy friend and I wanted to go for an apartment and I used my credit on line since then my life has gone to XXXX I wanted to use my credit just a few months back and low and behold I saw two accounts that i never had a deal with ever XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX I called the creditors and they both stated sent it to the credit agencies start the dispute and we willol in to it this was back in XXXX of this year and I said its not possible to get so many ambigous responses but it I got it from the creditor one month later to the credit agencies and then they just grew tired of me and send a response The documents you are sending are not yours but a from a credit lab no no no Its me I send them my driver licence social police report and ftc report XXXX XXXX XXXX help me please and then after my calling to them I got inquirires from where I have no idea XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
XXXX I opened the account at arvest bank and they say that I owed XXXX to them. They say it's because of fraudulent activity in my account. I never had fraudulent activity in my account. I want to have this removed ASAP. I'd like to open a bank account. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: FL

Complaint narrative:
XXXX victim
please see following reports  about the following items

XXXX  report
police report
ftc report 
dl
ssn XXXX XXXX Account info

Account number XXXX XXXX XXXX XXXX XXXX  Account info

Account number XXXX XXXX

Account info

Account number
XXXX

Company response to consumer: Closed with explanation