vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 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: CITIBANK, N.A.
State: WI

Complaint narrative:
Complaint Regarding Deceptive Credit Card Practices I am writing to file a formal complaint against XXXX XXXX  and Citibank regarding their deceptive marketing and implementation of " 0 % interest '' credit card offers. 
I purchased items on the XXXX XXXX XXXX in XXXX of XXXX and was paying it down. Then in XXXX of XXXX, I was charged nearly $ XXXX in " deferred '' interest. Something that it does not state until after the purchase or in the " Fine Print '' Misleading Advertising Best Buy prominently advertises " 0 % interest '' or " no interest '' financing options in their stores and marketing materials. However, these offers are actually deferred interest plans, which is not clearly disclosed to consumers at the point of sale.

Lack of Transparency When applying for the credit card, I was not adequately informed about : The difference between true 0 % interest and deferred interest The potential for retroactive interest charges on the full purchase amount The exact terms of the promotional period The high interest rate that would apply if the balance was not paid in full Unfair Practices Financial Harm Due to these deceptive practices, many consumers, including myself, have been hit with large, unexpected retroactive interest charges. In my case, I was charged XXXX  XXXX in interest despite making regular payments throughout the promotional period. 
Request for Action I urge you to investigate these practices and take appropriate action to : Require clear disclosure of deferred interest terms at the point of sale Prohibit the marketing of deferred interest plans as " 0 % interest '' or " no interest '' Mandate that minimum payments be set high enough to pay off the balance within the promotional period. 
Provide restitution to consumers who have been unfairly charged retroactive interest Thank you for your attention to this matter. I look forward to your response and action on this issue. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: LEXISNEXIS
State: CA

Complaint narrative:
update my information XXXX XXXX XXXX case XXXX account number ending XXXX and XXXX XXXX XXXXXXXX XXXX number ; XXXXXXXX XXXX amount XXXX deed of trust transfer to XXXX XXXX XXXX I also contacted records and they didn't help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: CA

Complaint narrative:
update my information XXXX XXXX XXXX case XXXX account number ending XXXX and XXXX XXXX XXXX loan number ; XXXX note amount XXXX deed of trust transfer to XXXX XXXX XXXX I also contacted records and they didn't help

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 2024-10-11 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: FL

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) .

The inaccurate reporting of both my account status and payment status by ( XXXX XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts on my 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 2024-10-11 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: IL

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. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: IL

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. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-11 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: NJ

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-10-11 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: NY

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
There is no method to request a XXXX payoff letter online. I called to request one and the agent said there was no way to request this letter. These letters are commonly requested and provided by financial institutions as they allow a seamless payoff experience. I am refinancing this personal loan into a HELOC at a local credit union for a much lower rate. I requested to speak to a supervisor who identified herself at XXXX - Account Manager. She also stated there was no way to provide the information and that there systems can not generate a letter. She did provide verbal information that was estimated. The credit union is rightfully going to want information in writing. The supervisor refused to send an email or write on company letterhead to provide this information.

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 2024-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: TX

Complaint narrative:
I am filing a complaint regarding an unlawful attempt to collect a personal property tax debt by Perdue Brandon Fielder Collins & Mott , L.L.P., on behalf of XXXX XXXX XXXX XXXX XXXX XXXX ). A lien or foreclosure is being threatened as a result of this alleged delinquency. 

On XX/XX/year>, I received a second notice of tax lien ( ID # XXXX ) for personal property taxes imposed by XXXX XXXX. I am contesting the validity of this tax lien on the following legal grounds : Failure to Hold a Public Hearing ( Texas Tax Code 11.14 ( e ) ) : XXXX XXXX did not hold the required public hearing, nor did it provide proper notice to residents regarding the taxation of personal property. This is a direct violation of Texas law, which mandates a public hearing for personal property tax exemptions. 

Lack of a Valid Resolution or Order ( Texas Tax Code 11.14 ( c ) ) : The district has not passed a valid order or resolution authorizing the imposition of these taxes, which is a necessary legal step. Despite my request for documentation, the school district has not provided any evidence of a formal resolution or hearing.

The district provided documents related to real estate and agricultural taxes, which are irrelevant to the personal property taxes in question. The lien and tax collection efforts are illegal under Texas law, and a lien or foreclosure is being improperly threatened. I request that this unlawful tax lien be removed immediately.

Thank you for your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: VA

Complaint narrative:
I disputed inaccurate information related to the XXXX XXXX XXXX XXXX and XXXX accounts on my credit report. The credit reporting agency conducted an investigation but did not provide sufficient documentation to verify the accuracy of the account. They failed to meet the standards outlined in Section 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires a reasonable reinvestigation and proper verification of disputed information. Simply stating that the account was verified without providing proof or adequately addressing the dispute is a violation of the FCRA. Cases like XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) highlight the credit reporting agency 's obligation to go beyond the original source and ensure that the information is accurate when faced with a dispute. In these cases, the courts ruled that credit reporting agencies must conduct a thorough investigation, and failure to do so can result in liability for noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/year> someone hacked my discover checking account. The instant I noticed money left my account & this has happened I called my bank, I filed a police report with my local authorities, I reported a scam complaint with XXXX and my bank is saying they are not able to reverse funds which were unauthorized. More than half of my monies left my account unauthorized and I want them back. I have contacted all parties involved and my bank continues to say it was authorized when I have called multiple times telling them it wasnt and that someone has stolen my information. They have not reversed the funds from the unauthorized party. I continue to re dispute this but my bank does not want to reverse the money from the culprit. I do not know the person money was sent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: NJ

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: NJ

Complaint narrative:
Urgent Assistance Needed with Sallie Mae Student Loans I am reaching out to report ongoing issues with my Sallie Mae student loans, which are about to go into default on XX/XX/year>. Despite multiple calls to Sallie Mae, I have encountered significant challenges in resolving my situation. 

XXXX. Dates of Contact : - I have called Sallie Mae several times in the past few weeks ( specific dates N/A ) to discuss my loan status.

2. Actions Taken : - During these calls, I requested an additional forbearance period, explaining my current unemployment status and inability to make any payments. Unfortunately, I was informed that they could not grant me another forbearance.

- Sallie Mae has offered lower payment options ; however, even these reduced amounts are still unmanageable for me due to my lack of income.

3. Account Status : - My loans are currently set to go into default in two weeks, and I am deeply concerned about the implications for both myself and my grandfather, who cosigned the loans. 

4. Desired Resolution : - I am seeking assistance in obtaining a forbearance extension so I can continue my job search without the pressure of defaulting on my loans. 

I appreciate your attention to this urgent matter and look forward to any assistance you can provide in resolving this issue. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: NJ

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: IL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
I am requesting replacements for following 6 cards. I have opened the following cases with Incomm XXXX, XXXX, XXXX. I have previously sent in all requested documentation for these cards to XXXX as requested. I am attaching the cards here along with proof of address. Please send replacements

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS MAKE ME STRESS, I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY!

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