vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a target circle card through TD bank and enrolled in XXXX XXXX on XX/XX/XXXX. I received an email thanking me for enrolling in auto pay, which led me to believe that my enrollment was successful. To my surprise, on XX/XX/XXXX, I received an email saying that my payment was returned ( {$420.00} ). I promptly logged in to pay my balance and then received another email on XX/XX/XXXX saying that payment was also returned ( {$490.00} ). I logged in again and attempted to submit an online payment for my current balance ( {$510.00} ). I used a different bank account this time. In doing this, I spoke to XXXX different supervisors. The first supervisor told me that the payment was declined because XXXX XXXX could not connect to my bank ( no idea why ). He did NOT mention anything about my account being closed, and I have not been notified of any such closure. I then called back for help paying online and a second supervisor told me my account was closed on XX/XX/XXXX due to the returned payment. I then called a third time and spoke to yet a third supervisor who said my account was closed XX/XX/XXXX. I have no idea what is going on and whether my account has been closed, and whether they have notified credit bureaus, but this is absurd and not my fault. I pay all my bills on time, I set up auto pay, and I have no idea why XXXX XXXX was unable to connect to my bank account to receive payment. If there was an inability for their servers to reach my bank account, I should have been notified of that when I linked the XXXX accounts -- not after the fact and not once they started the process of damaging my credit by closing my account. At this point, I have no idea what is going on as each supervisor says something else and I have not received any written communications. I also did a quick XXXX search and it seems that XXXX XXXX XXXX has done this to numerous other customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint against Equifax Information Services for their failure to maintain accurate information on my credit report and their inability to verify disputed accounts, which is a violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 

Despite multiple attempts to correct my credit report, Equifax continues to report incorrect personal information and inaccurately list several accounts that do not belong to me. Specifically, my credit report contains the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX These addresses are not mine, and I have repeatedly requested their removal, but Equifax has failed to correct them. 

Furthermore, Equifax continues to report several accounts inaccurately. These accounts include : XXXX Card Services Reported : XX/XX/year> Balance : {$1600.00} Status : Closed XXXX  XXXX  Reported : XX/XX/year> Balance : {$2000.00} Status : XXXX XXXX XXXX XXXX Reported : XX/XX/year> Balance : {$4100.00} Status : Open XXXX XXXX  Reported : XX/XX/year> Balance : {$550.00} Status : Open I have disputed these accounts with Equifax before, but they have failed to verify their accuracy or remove them from my report. Under XXXX XXXX. XXXX, Equifax is required to investigate disputed information and correct or delete any inaccuracies within 30 days. Their failure to do so is a clear violation of federal law. 

Additionally, under the New Jersey Fair Credit Reporting Act, XXXX. XXXX, I am entitled to accurate credit reporting. XXXX continued reporting of incorrect information is causing significant harm to my credit and financial well-being. 

I am seeking the CFPBs assistance to ensure that Equifax corrects these errors immediately. I demand the removal of the incorrect addresses and the disputed accounts from my credit report. Please provide oversight and enforce the necessary corrective actions against Equifax to prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-16 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:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
atm withdrawal for XXXX and XXXX was playing basketball one day and my bag was stolen reporte to police and bank denied same day i turned in 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 2024-08-16 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: CA

Complaint narrative:
Good day. Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I deposited a check for {$5000.00} into my Citizens Bank account on XX/XX/XXXX. At the time of deposit Citizens put a hold on the deposit for 6 days. The money was paid to Citizens from the check writers account on XX/XX/XXXX which has been confirmed by XXXX XXXX XXXXXXXX, from where the check was written. Citizens currently has the money. Citizens Bank has since put a hold on the deposit until XX/XX/XXXX. I have called Citizens bank many times, including with the check writer and a manager from XXXX XXXX XXXXXXXX. No one at Citizens Bank is able to tell me anything about the hold or why the money has not been released. The manager at XXXX does not see any issue with the deposit or the check. Citizens Bank service actually asked me to call the same number back to get the same information which is asinine. In my opinion Citizens Bank has XXXX reason to have a hold on the deposit and are in essence holding the money hostage. There is no way to cancel the deposit by the check writer because it has already been sent to Citizens and Citizens tells me there is no way to cancel the deposit by myself at Citizens. Waiting three weeks to receive funds from XXXX local banks is unacceptable, even more so having no one at Citizen who can explain to me why they are doing this is unsettling. Please help in any way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-08-16 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: TX

Complaint narrative:
Spoke to representative to verify inquires on my account that are not mine or to verify what accounts are reporting on my credit and i was given no answer but to call the companies individually. I also cant access my credit reports from XXXX and 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 explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
Spoke to representative to verify inquires on my account that are not mine or to verify what accounts are reporting on my credit and i was given no answer but to call the companies individually. I also cant access my credit reports from Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
VERIFICATION OF DEBT REQUEST Dear LVNV Funding LLC, This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ) which state : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if Re : Acct # : _________________, Amount in Dispute : {$2500.00} This is a

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have a XXXX XXXX XXXX that I bought brand new and financed through XXXX XXXX XXXX. I have never been late, nor have I ever missed a payment in almost 4 years. I decided to refinance my car through AutoPay in XXXX. It would drop my payment about {$110.00} or so per month. I turned all my paperwork in and played the waiting game for both companies to get the car paid off and switched over etc. I notified XXXX XXXX different times that I was refinancing. XXXX goes and reports my last month late on my credit. That cost me around XXXX points. Making me look like I don't pay my debts on time and making me look bad to future creditors. All because I didn't pay my payment to them for the final month. Which they would have had to refund back to me anyway since all my paperwork with AutoPay was completed and waiting to be transfered over. I was a good customer and didn't deserve that from XXXX. Especially since I openly communicated to them about the refinance. Please, remove the late payment off my credit reports for the month of 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