vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — Store credit 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: WA

Complaint narrative:
I made a purchase with my Macy 's store credit card for an item on XXXX Order # : XXXX. I never got the item, it was lost/missing and the tracking number was not working. I had two call / chat with them several times for hours on end. They told me to check in 24 hours, then 48 hours, then they said they would reship in 3 days, 10 days, 15 days. After I said I would file a CFPB complaint, they reshipped the item. The tracking for that item was also a dead link! The item is not in transit. I contacted them again and they said I wait to wait 48 hours, then they said 24 hours. I just want a refund to my credit card at this point. I've spent hours and hours troubleshooting this with them. I'm about this pay this off on the credit card but I have no item.

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 2024-03-26 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:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is XXXX XXXXo rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-26 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: GA

Complaint narrative:
I WROTE EXPERAIN A VALIDATION LETTER FOR LATE PAYMENTS ON MY CREDIT for XXXX, XXXX, XXXX AND XX/XX/ 2023. 
IM CLEARLY UPSET TO FIND XXXX LATE PAYMENTS IN A ROW WHICH LEAVE MY CREDIT DAMAGES CANT GET ANOTHER CAR BECAUSE OF FALSE LATE PAYMENTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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:
Equifax is reporting an account for XXXX XXXX XXXX  This account is inaccurate and does not meet the FCRA reporting standards. 

Issue 1 : You are reporting that the account is closed. Yet the closed date is missing from the report. Why is this incomplete? 
Issue XXXX : The report says 7 years of payment history, yet there is No Data reporting for 48 Months. Why is no data reporting for 48 Months? Whis is this incomplete?

Issue 3 : Creditor Classification reporting as Unknown? Why is it unknown? 
Issue 4 : Date of last activity missing. Why is it missing? 
Issue 5 : Last payment date is reporting as XX/XX/2019 in the account history but this is not reflected in the payment history. 
This does not meet The FAIR CREDIT Reporting Act standards. 
Proof attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NY

Complaint narrative:
This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, XXXX XXXXXXXX, and Transunion have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.

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 2024-03-26 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: Cascade CISS Holdings, LLC
State: NY

Complaint narrative:
I dont recognized nor did I apply for any credit from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of 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 2024-03-26 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: GA

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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-03-26 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It 's My understanding that Experian will investigate this account for me to ensure accuracy here is the account i am asking you to verify as accurate Account name XXXX Account number 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 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: NV

Complaint narrative:
I am not liable for this debt with XXXX, I do not have a contract with CEDAR BUSINESS SERVICES, they did not provide me with the original contract as I requested. I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX, regarding my purported overdue balance of {$120.00} allegedly owed to XXXX have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account Cedar Business Services ( Account XXXX ), Original Creditor : XXXX. Date Opened : XX/XX/year>. XXXX {$120.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately to all credit bureaus. I am not liable for this debt with XXXX and I do not have any contract with CEDAR BUSINESS SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX XXXX XXXX. 

Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX BANK XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I was a customer of Onemain financial and saw the ruling regarding the fees/charges they were billing without our knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to follow up my previous dispute about certain inaccuracies on my credit report. I have carefully reviewed the information provided by your bureau, and I have identified several discrepancies that require your attention and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Debt collection violations under { ( 12 CFR 1006.34 ( b ) ( 5 ) } { ( 12 CFR 1006.34 ( c ) ( 4 ) }, { ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Caine & Weiner Account XXXX XXXX Nature of complaint ; I am filing a complaint against Caine & Weiner for violating the Fair Debt Collection Practices Act ( FDCPA ) by failing to provide validation information as required by law. I was never contacted by Caine & Weiner regarding a debt they claim I owe.they placed a collection on my credit report, but they never sent me a written notice that included the information required under 12 CFR 1006.34 ( b ) ( 5 ) of the FDCPA.this information includes details about the debt, my rights to dispute it, and the consequences of not disputing it. With out this validation information, I am unable to verify the legitimacy of the debt or exercise my rights under the FDCPA. RELIEF SOUGHT : I request that the CFPB investigate this matter and take appropriate action against Caine & Weiner. This includes : Ordering the collection agency to provide me with the required validation information. 2.ordering the collection agency to remove the collection from my credit report, if it was reported without following proper procedures.3.ordering the collection agency to cease all communication regarding this debt until validation of information is provided.4 Ordering the collection agency to stop using false and misleading information or deceptive means to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: VA

Complaint narrative:
I did not consent to these inquiries and strongly suspect they are illegitimate. I request a comprehensive investigation to swiftly eliminate them 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 non-monetary relief
Consumer complaint received 2024-03-26 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: FL

Complaint narrative:
I am XXXX XXXXXXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

has violated my rights. Or a list of inquiries : 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 2024-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one is reporting an alleged debt on my consumer reports however, when I ask for proof by sending me the credit card agreement / truth in lending disclosures bearing my signature they deny it. This clearly means that they are violating federal laws as they can not prove that the debt belongs to me. Both the Fair Debt Collection Practices Act and Fair Credit Reporting Act are being violated by this company. Additionally I asked for an authenticated record of the account and a copy of the right to opt out disclosures and I have yet to receive a favorable response ( i did not receive a response ). This is a huge violation of my right to financial privacy of my nonpublic information. I also requested other things, please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: VA

Complaint narrative:
. I have been in disputes with XXXX and Experian Credit Bureau since XX/XX/2023. XXXX is still reporting that I owe them for XXXX loans when in fact my accounts were transferred to XXXX. Experian has disregarded my request to investigate this issue. My credit report is currently stating I owe the exact amounts to both, XXXX XXXX XXXX, for XXXX loans. Ive contacted XXXX numerous times and they claim they would update the information. XXXX has acknowledged that I do not owe them any funds as my accounts was transferred to XXXX. My credit has been drastically affected from this process.

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 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
My significant other wrote me a check from his credit union ( XXXX XXXX ) to my bank ( BECU ) and for some reason my bank did not recognize the check, flagged it as possible fraud and put it in their financial crimes department. I tried to mobile deposit this check XXXX, my card declined repeatedly on XXXX and I reached out to the bank that same day where they informed me that my check was flagged and they have locked my entire account. I now have not had access to my credit card, debit card, or mobile banking since XXXX and it is now XXXX. I have called BECU almost every day since the lock was put on to try to get this resolved and at least get my bank account unlocked because I have bills and expenses to pay. They are refusing to unlock my bank account until the check has either been returned or passed through to my account. I have repeatedly told them I don't mind if they hold the check but I need my bank account and cards unlocked so I can pay my bills and they have refused. I was able to withdraw cash on XXXX by driving down to the XXXX XXXX XXXX XXXX after a long wait and process so that I am able to purchase necessities but the bank is still refusing to unlock my card. I also had my boyfriend call his bank to see if they could do anything to speed up the process but they were unable to do anything until whoever handles checks on their side processes that to my bank. It has now been a full week since I have not had access to my money and despite calling repeatedly I have not gotten any updates on the process other than it is " not done yet ''. They have completely locked me out of my own money and I can not access any mobile or online banking as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: IL

Complaint narrative:
I am writing to follow up my previous dispute about inaccurate late payments appearing on my credit report associated with my auto loan account. According to my records, there are late payment remarks. However, these late payments are XXXX and do not reflect the accurate payment history of my account.

Company response to consumer: Closed with non-monetary relief