vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is the only one of the three credit reporting bureaus that continues to inaccurately show I have two outstanding student loans both with XXXX XXXX : {$130000.00} and {$27000.00}. 

In XX/XX/XXXX, all of my US Dept. of Education student loans were transferred from XXXX XXXX to XXXX. 

In XX/XX/XXXX, two of my loans ( the two at issue for {$130000.00} and {$27000.00} ) were forgiven and discharged under the Public Service Loan Forgiveness ( PSLF ) program. ( My remaining loans were forgiven shortly thereafter ( XX/XX/XXXX ) under PSLF ). 

XXXX and XXXX correctly show that all my federal student loan accounts were fully paid and closed. Yet Equifax refused to update their information, which is resulting in a lower credit score with Equifax. Equifax stated it contacted XXXX XXXX, which confirmed that I owe those two student loans- even though XXXX has not reported any new information since XX/XX/XXXX ( consistent with when my loans were transferred from XXXX to XXXX )! Further, XXXX could not have confirmed the accuracy of such loans because those loans were transferred to XXXX six months before they were forgiven. In fact, when I call XXXX, they state they can not help me at all because I do not have any account with them. The run around is maddening. And Equifax staff are clearly not being truthful in their investigation statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a Citi Mastercard in XXXX with the agreement that only the prime rate would be charged. 
This has been true up until XXXX sometime when they tacked on discretionary charges making it 18.49 percent instead of the current 8.5 % prime rate. 
I thought that during the Obama administration it was prohibited for CC companies to unilaterally raise interest rates for bogus reasons. 
I want to mention, there was never a late payment in all these years.

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 2024-09-16 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: VA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I DEMAND to know why EVERY SINGLE TIME I try to use my debit card - WHEN THE BALANCE MAY BE UNDER BY XXXX XXXX  - my debit card is DECLINED? 

I DEMAND TO HAVE AN ANSWER REGARDING CUSTOMER LONGEVITY AS WELL AS DEPOSIT HISTORY - and I DEMAND that the CFPB holds BANK OF AMERICA ACCOUNTABLE for their answer- INCLUDING UP TO AND INCLUDING THE POTENTIALS OF THE CFPB FILING A CLASS ACTION LAWSUIT on behalf of the Bank of America members that this is an ONGOING issue. 

I ALSO DEMAND that the CFPB gets the FDIC, FTC, and the respective ATTORNEY GENERAL OFFICES involved of the respective chartered states. 

Bank of America- in its policy handbook specifically states we have the right to pay potentially declined debit charges. Granted, this is acceptable for accounts that DO NOT carry the relative value that one as mine would. The applied algorithms of longevity, deposit history, overdraft history, average running balances,.

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 2024-09-16 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 keep reporting and still on my report please remove it XXXX XXXX XXXX  XX/XX/year>21 called not mine fraud fraud 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15U.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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX ID : XXXX Date of Birth : XXXXXXXX  SSN : XXXX ID Type : Drivers License ID # : XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX Early Warnings Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following that appears on my Early Warning Consumers Services consumer report. I have NEVER opened or use the following account numbers : Bank Name : XXXXXXXX XXXX XXXX 
Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank Name : XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. I am a victim of identity theft, and I don't recognize these accounts in my report. I am requesting the following information be deleted from my early warnings report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
XXXX XXXX my AT & T Universal card through CITI Bank was hacked and many charges were made on my card. I called that day to report it and asked that my card be shut down. In a few days I received 2 new cards having new account numbers with my name and a card with a fake name from Citi Bank. I called again to have my account shut down. I then received a single card with my original account number on it with the same fake name, XXXX XXXX. I called Citi again on XX/XX/XXXX to again ask that all accounts associated with my name be shut down. When I called again on XX/XX/XXXX I found that there were new charges on the account so I again told them of the identity theft and needed the accounts closed. On XX/XX/XXXX I called and was told it was being investigated, the new card had been declined, and I would get a letter in a week. XXXX, I called and reported everything again, was told I requested a new card which I didn't, and the agent said she would report everything and I would get a letter when it was settled. I also found that my mailing address had been changed to his in NY which was done after the initial phone call to shut things down. ( I don't know the person but he has used my card for XXXX rides in NY. ) The agent did look back and see that I had called several times and she would but a priority on the investigation which was what I had been told before. Had Citi Bank shut down everything the first day I called I would not be dealing with all of this mess. I can not go online to check the account since it has been hacked a long with many other things so I must rely on the agents to do what they said they would 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 monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
My son opened several lines of credit including a XXXX XXXX Credit Card using my social, name and DOB in XXXX. ( I believe ) and had the card mailed to a property my husband owned. He passed away in XXXX of XXXX and I was not aware of these collection items on my credit bureau until my daughter made me aware this year. My husband and I are XXXX XXXX and we do not use technology normally. We went to our credit union and the assistant branch manager is helping me file disputes on these debts and is helping me file this report. 

The complaint is regarding XXXXXXXX XXXX XXXX & LVNV Funding. We filed the dispute with the credit bureau, provided the police report, FTC identity theft report, called and filed a dispute with the company and faxed them all of this information. I also sent back a letter for them with a notarized statement that said I was disputing this debt. They are continuing to send documentation on multiple occasions asking for the same information over and over. This has not been resolved. I would like for the company to discontinue contacting me regarding this debt and will send a cease and desist letter if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: PA

Complaint narrative:
I am writing to formally demand immediate action regarding your improper handling of my account, specifically related to the vehicle loan tied to XXXX XXXX  and account number ending in XXXX. As evidenced by the enclosed IRS Form 1099-C, dated XX/XX/XXXX, my debt in the amount of {$38000.00} was legally discharged on that date. Despite this discharge, XXXX XXXX has continued to collect payments from me and has also reported this account as charged off and delinquent on my credit report since XX/XX/XXXX. 

Violations : Failure to Recognize Debt Discharge : Under federal law, once a debt is discharged, creditors are prohibited from taking any further action to collect the debt. XXXX XXXX continued collection efforts, following the discharge documented in the 1099-C, violate the Fair Debt Collection Practices Act ( FDCPA ) and U.S. Bankruptcy Code ( 11 U.S. Code 524 ), which both protect consumers from creditor collection attempts on discharged debts. 

Repossession and Sale of the Vehicle : XXXX XXXX repossessed the vehicle despite the discharge of the loan. You then sold the vehicle and retained all proceeds from the sale, which is an additional violation of my rights. Since the loan was legally discharged, any collection activityincluding repossessionwas illegal. I am entitled to recover the total amount of payments made after the discharge, as well as the proceeds from the sale of the vehicle. 

False Credit Reporting : Despite the debt cancellation, XXXX XXXX has continued to report the account as " charged off '' and delinquent, causing significant damage to my credit report. This is in clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that creditors furnish accurate information to credit reporting agencies. XXXX XXXX continued false reporting has caused significant harm to my financial reputation, including denied credit applications, increased interest rates, and emotional distress for over three years.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On Monday, XX/XX/year>2024, around XXXX XXXX EST, I found out that my business checking and savings account with TD Bank was closed suddenly. I could no longer log into my account or use my debit card. I called the bank for answers and spoke to a supervisor, who told me that my account was closed by the fraud closure department. They transferred me to the fraud department, who told me that an external financial institution filed a claim against my account and due to fraud. When I asked what activity in my account was fraudulent, I didn't receive a specific answer. They would also not disclose the name of the financial institution that filed the claim against my account. Because I don't know the exact source who filed the claim and the specific reason for the fraud claim, I don't know how to resolve the issue. I believe I am a victim of fraud in this case but the person or people responsible remains a mystery to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. no therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  Balance {$25000.00}, XXXX XXXX XXXX  Balance {$1200.00}, XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX {$650.00}, XXXX XXXXXXXX balance {$9200.00}, XXXXXXXX XXXX XXXX {$12000.00}, XXXX XXXX balance {$33000.00}, XXXX Dept of Ed balance {$11000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. no therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  Balance {$25000.00}, XXXX XXXXXXXX XXXX  Balance {$1200.00}, XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX {$650.00XXXX XXXX XXXXXXXX balance {$9200.00}, XXXXXXXX XXXX balance {$12000.00}, XXXX XXXX balance {$33000.00}, XXXX Dept of Ed balance {$11000.00}.

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 2024-09-16 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:
15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from XXXX, Equifax, and XXXX and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from 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 non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

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.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KS

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief