vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing in response to your recent communication regarding the alleged debt associated with the above- reference account. I am requesting validation of this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

I dispute the validity of this best and request that you provide the following information : XXXX. Verification of the original creditors name and address XXXX. Documentation demonstrating that I am contractually obligated to pay this debt XXXX. Copies of any statements or invoice related to the debt XXXX. The original account number and the date this account was opened XXXX. The complete history of this account, including all transactions and charges Please note that until you have provided the requested documentation, I do not acknowledge any liability for this alleged debt. 

Furthermore, I request that you cease all collection efforts until this matter is resolved and the debt is verified. Any further communication from your agency regarding this debt should be in writing and sent to the address provided above. 

Please consider this letter as a formal dispute of the debt under the FDCPA. I expect a prompt response within 30 days from the date of your receipt of this letter. 

Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

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 2024-03-27 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: PA

Complaint narrative:
Could you erase these inquiries? I'm unaware of them, and the company proceeded without my approval.

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 2024-03-27 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
Recently I requested from Rocket Mortgage : What information of mine they share/sell/barter. 
With whom have they sold/shared/bartered my information and when they sold/shared bartered my information. 

This simple request turned into a fiasco by them when I had to : speak to XXXXOUR people, write numerous emails, receive two meaningless and erroneous letters that XXXX authorized AND be dismissed twice ( by XXXX XXXX XXXX ), when they tired of my questions. ( She has refused to talk to me forever on this subject. ) I advised XXXX I fully intend to request this info every year - how will I do this if they have orders to not speak with me? 

I received their 'letters ' which did not include the names of companies with whom they shared/sold my information. 
did not include what info they sold ( they only identified the classification and type i.e. Loan information and city/state never telling me the actual city/state or if it was mailing address or property address ) did not include dates of when they actually released my information to 'someone '. 

In a voice discussion with XXXX, he stated they do not sell/share my SSN. XXXX refused to contact one of THEIR vendors, BUT she suggested I contact XXXX XXXX, which I did. XXXX XXXX stated that Rocket Mortgage did, in fact share my XXXX. 

SO - over the course of a month, numerous calls with XXXX people, emails, erroneous letters- I STILL DO NOT HAVE A THOROUGH REPORT OF MY REQUESTED INFORMATION and Rocket Mortgage is hiding something, even if it is just the truth about sharing my information. 

The public and their customer/mortgagor base has a right to know what kind of company this is- at the least what kind of people ( XXXX, XXXX and XXXX ) are speaking with the mortgagor/customer. PLUS I still want a report! 

XXXX XXXX has stated she will no longer discuss this issue with me, however I expect to request this info every year going forward - I certainly can't go through this nightmare every year. do not want to waste a full month with Rocket Mortgage every year!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

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 2024-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Indie Technology DBA Found
State: MS

Complaint narrative:
My income tax refund was deposited into my Found business checking account, I was hospitalized and during this time my phone along with other personal items were stolen! I attempted to dispute the first XXXX transactions that I saw once I regained access to my Found account but I never heard anything back from the disputes department! Once I was released from the hospital I check my account again only to have {$1.00} remaining. I then began to send multiple emails to the Found disputes department as this is the only way to contact anyone with this company. My account was compromised and I begged this company to assist me and they absolutely refused. The funds stolen were my tax return from the government and I did not authorize any of those transactions, I am demanding Found reimburse the funds that were in my account & once I receive them I would no longer like to use their app for anything. If they are FDIC insured they are entitled to reimburse me my money and ensure that it is always secured! I am only asking for my tax return funds back nothing extra. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Commenity Bank aka Biglots, has dropped th ball on so many things it hard count. They left me hanging and were glad to charge the interest after they didn't effectily notify me of the interest that I would be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: IA

Complaint narrative:
The interest rate is illegal. Here are the terms : ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 

XXXX XXXX ( e ) FINANCE CHARGE The dollar amount the credit will cost you. 

{$3000.00} Amount Financed The amount of credit provided to you or on your behalf. 

{$870.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 

{$3900.00} Here is my payment schedule. I pay {$220.00} every XXXX weeks and the principal only goes down {$5.00}. 

Payment Schedule Pmt # Due Date Principal Interest Principal Payment Due Ending Principal XXXX XX/XX/XXXX {$870.00} {$110.00} {$4.00} {$120.00} {$870.00} XXXX XX/XX/XXXX {$870.00} {$210.00} {$5.00} {$210.00} {$860.00} XXXX XX/XX/XXXX {$860.00} {$210.00} {$6.00} {$210.00} {$850.00} XXXX XX/XX/XXXX {$850.00} {$210.00} {$8.00} {$210.00} {$850.00} XXXX XX/XX/XXXX {$850.00} {$200.00} {$10.00} {$210.00} {$840.00} XXXX XX/XX/XXXX {$840.00} {$200.00} {$12.00} {$210.00} {$820.00} XXXX XX/XX/XXXX {$820.00} {$200.00} {$15.00} {$210.00} {$810.00} XXXX XX/XX/XXXX {$810.00} {$190.00} {$19.00} {$210.00} {$790.00} XXXX XX/XX/XXXX {$790.00} {$190.00} {$24.00} {$210.00} {$760.00} XXXX XX/XX/XXXX {$760.00} {$180.00} {$30.00} {$210.00} {$730.00} XXXX XX/XX/XXXX {$730.00} {$180.00} {$37.00} {$210.00} {$700.00} XXXX XX/XX/XXXX {$700.00} {$190.00} {$43.00} {$230.00} {$650.00} XXXX XX/XX/XXXX {$650.00} {$180.00} {$54.00} {$230.00} {$600.00} XXXX XX/XX/XXXX {$600.00} {$160.00} {$70.00} {$230.00} {$530.00} XXXX XX/XX/XXXX {$530.00} {$140.00} {$89.00} {$230.00} {$440.00} XXXX XX/XX/XXXX {$440.00} {$120.00} {$110.00} {$230.00} {$320.00} XXXX XX/XX/XXXX {$320.00} {$90.00} {$140.00} {$230.00} {$180.00} XXXX XX/XX/XXXX {$180.00} {$50.00} {$180.00} {$230.00} {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: OH

Complaint narrative:
I am writing to follow up my request for the removal of a paid account from my credit report. This account has been paid and the collection agency agreed to delete the account.

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 2024-03-27 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: PA

Complaint narrative:
According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. Would you mind examining the paperwork? Some of the listed accounts display inaccuracies in their reporting.

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 2024-03-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company acted without my authorization.

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 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I have consistently made sure that payments on this account are made promptly, avoiding any instances of overdue payments. I am uncertain as to why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have consistently maintained punctual payments on this account, ensuring they are never overdue. The reasons for the reported late payment remarks on my accounts are unclear to me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: SC

Complaint narrative:
Upon reviewing my consumer credit report, I discovered that I am the victim of identity theft. My identity has been fraudulently used to obtain credit. I have attached the account name and partial account number for reference. This inaccurate reporting on my credit report is causing me to not be able to purchase a home. Please make this company verify my identity. They will have no signed documentation from myself or anything proving that I actually opened this account. Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2024-03-27 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
There are charges for {$14.00} that I disputed back in XX/XX/XXXX. On XX/XX/XXXX the company stated the following : Goldman Sachs Bank USA has investigated your transaction dispute and found that no billing error occurred for the following reason : We reviewed available information which confirms that you authorized the purchase with the merchant. 

I asked for the available information that was reviewed and they refuse to provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you kindly verify the documents? Several accounts listed appear to be inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: PA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL. XX/XX/XXXX ROLLAUTO. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX BRCLYBANKDE. XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had filed a previous complaint about the same issue and citibank had stated that they would provide me the representment documents but today XX/XX/24 I received a letter from citibank stating that they are denying my request for representment documents which I should be entitled to because I know 100 % that I did not make those charges so I believe thats the least that they can do for me when they have denied my fraud claim.

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 2024-03-27 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: TX

Complaint narrative:
I reviewed my credit report and noticed these fraudulent accounts were reported by these third-party companies without my authorization. I have never done any business with these companies nor have I the consumer given these companies written or verbal consent to share my nonpublic personal information with non-affiliate data-furnishing companies. these companies are not only violating 15 U.S. Code 6802 and The Family Privacy Protection Act of 1974, but it is also preventing me from obtaining credit for my personal and household needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome to me.

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 2024-03-27 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: MS

Complaint narrative:
I sent equifax credit bureau a letter to verify XXXX XXXX  account number XXXX wasnt not mine U.S Code 1681b states the credit reporting Agency doesnt not have the right to report anything on my credit report without my written instruction. I never gave them written instruction to report anything on my credit report. 15 U.S code 1681c Identify theft prevention ; fraud alerts and XXXX XXXX XXXX. State without my written instruction this is consider as identity theft. On XXXX this account was deleted from my XXXX XXXX credit report but came back verified on my equifax credit report how is that possible when the equifax credit bureau properly investigated the information reporting on my credit report in accordance with the fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. I need proof on how did they verify this account or delete it immediately or I want a XXXX dollars for every violation as they violated my rights even more.15 U.S.C 1681 section 602 A. State I have the right to privacy

Company response to consumer: Closed with non-monetary relief