vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The issue Im having with Equifax. I can not login into my account online. Its showing me error messages every time I login. I called Equifax to have them to pull up my credit report and they cant find it. I have been applying for credit and my credit report isnt showing up or its frozen. This is ruining my life at the moment. I cant apply for credit under Equifax. This has been going on for two years now. Equifax havent fixed the problem yet. Every time I call in to Equifax they say they will have someone to send a email about a report and they will be looking into the issue. No one never sends me a report and no one has looked into the issue. This has been going on now for almost 2 years, I just need it fixed. 

The Issue Im having with XXXX. I cant do any kind of disputes or check my credit report online. XXXX asked me to send in my ID and all the important documents needed to verify who I am. They still hasnt fixed my online login information to check my credit report to do any kind of disputes. Every time I call XXXX and talk to a customer service representative, they say someone will call me back and send me an email about the problem and they never follow up with the information that they say that I will receive. This is ruining my life and this issue has been going on for XXXX years now, and I just need the issue fixed and resolved. Its other accounts that I need to dispute thats not accurate on my credit report that I can not change and fix. Ive been trying to update my address now for the last year. XXXX will not update my address even with the documents they requested from me. Please can you help me to fix this issue with both credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I applied for a car loan in XX/XX/year>. I asked that my credit score only be pulled once due to me planning to purchase a home in the future. They acknowledged that they would do so. This was with XXXX XXXX. My score was additionally pulled 10 or more times for the car loan in a few days time span. When looking for cars or homes You have 14 days to look under the same score. They should not have ran a hard inquiry multiple times without my approval. I did not know this and did not recognize these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I applied for a car loan in XX/XX/year>. I asked that my credit score only be pulled once due to me planning to purchase a home in the future. They acknowledged that they would do so. This was with XXXX XXXX. My score was additionally pulled XXXX or more times for the car loan in a few days time span. When looking for cars or homes You have 14 days to look under the same score. They should not have ran a hard inquiry multiple times without my approval. I did not know this and did not recognize these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/2024 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 generally, after any reinvestigation under paragraph ( XXXX ) 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.

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 2024-11-09 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: TX

Complaint narrative:
Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit and gainful employment. It is my understanding that Transunion will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX account # : XXXX XXXX account : XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) acct XXXX XXXX XXXXXXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) account # XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account # XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: CA

Complaint narrative:
XXXX # XXXXSubject : Request for Debt Validation Account Number XXXX Dear XXXX XXXX Disputes Department, I am writing to formally dispute the debt associated with my account, account number XXXX. I request that XXXX provides full validation of this debt, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please provide the following : Verification of Debt : A detailed breakdown of the charges associated with the account, including the nature of each charge and any interest or fees applied. 
Proof of Ownership and Authorization : Documentation proving that I authorized this account and consented to the services/products listed. I request a signed contract or terms of service documentation. 
Details of Equipment and Services Provided : Confirmation of all products and services associated with the account, including devices, service dates, and transaction history. 
Transfer of Account Details to XXXX, XXXX : Documentation confirming the transfer of this account to XXXX XXXX XXXX, along with any correspondence indicating this change. 
Proof of Payment History : A full payment history, showing payment dates, amounts, and any fees applied, to verify the balance stated. 
Compliance with FCRA and FDCPA : Confirmation that XXXX adhered to FCRA and FDCPA guidelines regarding the reporting, transfer, and collection of this debt. 
Additional Information Please be advised that I do not acknowledge the validity of this debt without proper verification. If XXXX is unable to provide sufficient validation, I request that the account be removed from my credit report and that all collection activity cease. 

If this account has been reported incorrectly, I expect that XXXX will rectify this with all credit bureaus and provide confirmation of the correction. 

Thank you for your attention to this matter. I look forward to receiving a response within 30 days. Please send all correspondence to the address above.

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 2024-11-09 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: CA

Complaint narrative:
XXXX # XXXXSubject : Request for Debt Validation Account Number XXXX Dear XXXX XXXX Disputes Department, I am writing to formally dispute the debt associated with my account, account number XXXX. I request that XXXX provides full validation of this debt, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please provide the following : Verification of Debt : A detailed breakdown of the charges associated with the account, including the nature of each charge and any interest or fees applied.

Proof of Ownership and Authorization : Documentation proving that I authorized this account and consented to the services/products listed. I request a signed contract or terms of service documentation. 
Details of Equipment and Services Provided : Confirmation of all products and services associated with the account, including devices, service dates, and transaction history. 
Transfer of Account Details to XXXX, XXXX : Documentation confirming the transfer of this account to XXXX XXXX XXXX, along with any correspondence indicating this change. 
Proof of Payment History : A full payment history, showing payment dates, amounts, and any fees applied, to verify the balance stated. 
Compliance with FCRA and FDCPA : Confirmation that XXXX adhered to FCRA and FDCPA guidelines regarding the reporting, transfer, and collection of this debt. 
Additional Information Please be advised that I do not acknowledge the validity of this debt without proper verification. If XXXX is unable to provide sufficient validation, I request that the account be removed from my credit report and that all collection activity cease. 

If this account has been reported incorrectly, I expect that XXXX will rectify this with all credit bureaus and provide confirmation of the correction. 

Thank you for your attention to this matter. I look forward to receiving a response within 30 days. Please send all correspondence to the address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXXXXXX XXXX XXXX, I was in XXXX with my wife and we took a cab, about a XXXX XXXX trip. The cab driver asked me for a card, said " no cash '', and then tried to run my credit card but said it " did not go through '' - he then accepted cash. 

Later, when we returned home, we checked our credit card statement and had a charge for almost {$900.00} from a vendor we did not recognize. We determined based on our review it has to have been the cab company. 

Citi explained that because I did not have " proof '' of the transaction, a credit card slip, they could not help me. I explained that there would not be a credit card slip because the cab driver said the charge did not go through, but then later charged me almost {$900.00}. 

I did not authorize the transaction on my statement for {$890.00}. I do not have a sales slip, because I paid cash, but the cab driver scanned my card and told me that it didnt go through suggesting he did not have an internet connection, or that it was malfunctioning. 

I did not authorize any transaction from XXXX * XXXX XXXX XXXX XXXX XXXX and I am not able to contact this vendor. I can not contact the vendor as Citi has suggested I have no information on this vendor. If you XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX you do not get any results. This was a cab driver in downtown XXXX, XXXX, and I have no reason to document the cab # and no realistic way to contact this vendor. Presumably Citi bank would have some information on this vendor since it works with them on payment processing. This is why I can not speak with the vendor to resolve the issue. 

I attempted to resolve this by filling out the dispute paperwork and spending 2 hours on the phone with Citi. Ultimately, they said they could resolve this by awarding me a {$240.00} credit. I reluctantly said " fine '' but want to file my complaint anyway. This policy is ridiculous, implies that I am lying to them, and offers cardholders no support. Citi should put the burden on the VENDOR to prove I signed something which the vendor can not do.

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 2024-11-09 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: CA

Complaint narrative:
Identity theft. Someone was able to get an auto loan and a CAR with my credit score, a student loan, and multiple credit cards. As soon as I discovered this, they stopped using the cards and paying for them if they were paying the debts off. Now my credit score is terrible due to this identity theft. I tried repeoring this to the three credit bureaus and nothing has been updated, even after giving them a police report number and FTC report number.

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 2024-11-09 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: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-11-09 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: NJ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: NJ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from 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 2024-11-09 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
my card was stolen late XXXX or early XXXX i dont keep XXXX track of XXXX thats negative to my life. months later im getting credit reversals to the MEGATIVE THOUSANDS. it closes ALL MY ACCOUNTS AND STEALS ALL MY MONEY IN MY SAVINGS THAT HAD NOTHING TO XXXX DO WITH MY CHECKING. CLOSES MY XXXX CREDIT CARD I HAVE XXXX NOTHING NOW

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 2024-11-09 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2024-11-09 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: AZ

Complaint narrative:
Upon reviewing my credit report, I discovered several erroneous entry. The Experian credit bureau is legally obligated to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting account as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable account listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Balance : {$220000.00}

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation