vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 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:
There is a discrepancy among all XXXX credit bureaus. Your company is in violation of the Fair Debt Collection Practices Act section XXXX. XXXX and XXXX are not reporting the late payment for XX/XX/year> on my credit report. Equifax is the only credit bureau showing the late payment. According to 15 U.S.C. 1681e " ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, under Section XXXX of the XXXX XXXX, due to XXXX forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have XXXX late payment on my report for XX/XX/year> that I want updated as Ok or paid as agreed because, I was a victim of covid XXXX and legally you should not have put the late payment on my credit report. 

This relief period applies starting from XX/XX/year>, until the latter of 120 days after the enactment of the CARES Act on XX/XX/year>, or 120 days after the end of the national state of emergency ; therefore, furnishers that entered into accommodations related to the COVID-19 pandemic on or after XX/XX/year>, should consider whether to treat it as applying since XX/XX/year>, and change existing reporting to comply with Section XXXX. Note- I am XXXX XXXX XXXX natural person and I am the actual person submitting this dispute and I am not a XXXX party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: NV

Complaint narrative:
XXXX, my employer, sent funds to my account on XX/XX/year>. every single day since then I have reached out to XXXX to find out where my money is at and every day the claim they haven't received anything. my companies bank, XXXX XXXX, even did a trace on the funds and found that my bank has already received and accepted these funds but have not made them available to me. this had cause my family and I a great hardship ad we have been stranded in XXXX out of our state of residence in XXXX  without any way to get home, without food or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Phone call on XX/XX/XXXX claimed I owed {$4900.00} on a Citibank credit account. Spoke with XXXX XXXX from XXXX prelegal investigation associates at XXXX. The main number they called from was XXXX. The employee number he gave me was his phone number XXXX. He had my address, phone number, parents address, exhusbands info, and last XXXX of my ssn and read them to me. I did not provide that information, he already had it. He threatened to put a lien on my house and take me to court. The debt also had my exhusbands name in it. I am not legally, per divorce decree, responsible for any citibank debts and I told them as such. I asked for verification in writing and he insisted I pay him now a settlement amount of {$1600.00} and then again changed to a settlement of {$1000.00}. I told him I dispute this debt and need to get verification by mail. He said I had XXXX hours to pay and I asked if that was a threat and he said no, but you have XXXX hours. I contacted citibank. They have no record of any account with my name or ssn on file. The next day I spoke with XXXX again. Asked for dates. He said it was not charges they were coming after me for but instead now he said it was breach of contract and the attorneys were angry he reoffered a settlement. The date of the supposed contract was XXXX with a write off in XXXX. I said that I disputed any charges or contracts and I wanted a copy in writing showing validation. He refused and XXXX prelegal investigation is the middle man and can't send that to me. I asked for an address to dispute, after arguing he gave me XXXX but then changed to XXXX XXXX XXXX, GA XXXX. I referred him to my attorney but he continually threatened to come after my house, subpoena me and that the judge would make me pay the total and thousands more for legal fees. I explained that I disputed these debts and contracts and that the dates he gave were belong the statue of limitations. He told me there are no statues of limitations on what they are going to sue me for. He repeated that he is the prelegal team and the attorneys were going to come after me. I referred to my attorney again and ended the call. I recorded the second call.

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 2024-07-19 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: UT

Complaint narrative:
I am writing to express my dissatisfaction with Equifax 's handling of my recent dispute and their overall customer service. Despite my clear instructions to address inaccuracies in my student loan payment history, Equifax incorrectly disputed a balance on my account instead. This indicates a failure to follow directions precisely. The appropriate XXXX  code for this dispute should be XXXX Claims Incorrect Payment History. 

Furthermore, the customer service experience has been disappointing. The response to my request was neither timely nor accurate, leading to unnecessary frustration and delay in resolving the issue. This level of service is unacceptable and does not meet the standards one would expect from a major credit reporting agency. 

I urge Equifax to improve their processes and customer service to prevent such issues in the future and ensure accurate handling of disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
I recently discovered that my name is associated with a car loan that I have no knowledge of. This is a case of fraud, and I need it removed from all three of my credit reports immediately. I have sent XXXX certified letters to all credit bureaus and to Global Lending Services, but I have not received any responses, and it has been over 30 days. This erroneous repossession is not mine and is hindering me from applying for student loans for my son 's final semester. Please remove this fraudulent account from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I recently got out the hospital a week ago and received a letter in the mail stating that I owe a ledger balance of {$520.00}. They let a company name XXXX make over XXXX withdrawals out of my account that I had no money in unauthorized transactions. So they charged me an overdraft fee for each unauthorized payment I called PNC to tell them previously that the account was doing this and that those were unauthorized charges the XXXX time and they let the same company do it repeatedly over again after I resolved the problem. I also call them to tell them that I was in the hospital almost the entire month and that I previously Had a tornado that hit my area in XXXX they reply that the account was closed and that no one could help me with my Close account with obvious fraudulent charges. I need help to anyone who can help me because this will destroy my business before I can even get it started well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX has refused to take a payment over the phone. 
They froze my all of my accounts, ( several checking, joint checking ). 
They have prevented payment online. 
They then said I can only pay through XXXX of their savings accounts. They won't allow payment over the phone with a debit card, credit card, or bank account which forces me to transfer money into their savings account, which takes several business days to clear. After making me wait an hour to get them on the phone, they hung up on me. I called back and waited another hour to get someone on the phone who then refused to let me speak with a supervisor while attempting to extort more money in exchange for payment. They then claimed a supervisor would call me but they never did. I instructed them to take the payment out of the monies deposited into the savings account requested but the individual on the phone said they would not process the payment. On top of bad faith loan management, this seems to be systemic extortion and bait & switch as well as currency violations wherein they are refusing to accept US currency per the office of the Comptroller of the currency and the Secret Service.

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 2024-07-19 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:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: PA

Complaint narrative:
national credit adjust account # XXXX, is reporting a date of last active on XX/XX/XXXX on XXXX and on XXXX its reporting the same account # XXXX of a last active date on XX/XX/XXXX, and XXXX dont have no repot of it at all please remove and delete from my report national credit adjust account # XXXX, from all of the credit bureau XXXX cause its hurting my chance to get a loan thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
an account was opened unauthorized. i would like some type of representation if possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-19 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: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 2024-07-19 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: IL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM 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 2024-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | XXXX : XX/XX/XXXX .. Consumer ID : XXXX Chex Systems , Inc XXXX 
attn : Consumer Relations XXXX XXXX XXXX XXXX. MN XXXX To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a ChexSystems report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
Additionally, this account has passed the 5-year statute of limitations ; and for that reason, it must be removed. 
Please verify the following account or remove it immediately. 
Bank Name : XXXX XXXX  Account # : XXXX Closed XX/XX/XXXX 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 2024-07-19 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: AL

Complaint narrative:
I am here to dispute a credit line caused by fraud, i was financially scammed. I reported to all XXXX  credit bureaus but nothing has changed. According to 15. U.S.C. 1681 i-5by law you are obligated to re investigate this inaccurate account.Please remove this inaccurate information.Thank 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 2024-07-19 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: AL

Complaint narrative:
I have been trying to access my credit report account from Equifax and I sent in information to prove my identity. I still can't get into the account! There is information that doesn't belong on my credit report. I received my report from the annual reporting website. I also asked how was some of the information that is listed, was received and was told by another party. My information shouldn't be given out. I am a victim of XXXX XXXXXXXX and I reached out to them and asked for my information to be frozen and to put an identity theft alert on there. There are also accounts and inquires that I didn't make. I am over exhausted trying to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: MI

Complaint narrative:
STATE OF MICHIGAN CHILD SUPPORT and the Consumer Agency Experian are in violation of several of my rights. Under 15 U.S.C.

1681i ( 7 ) Method of verification this account is in violation as it was reported without valid evidence.If the account was actually verified then why is the date the account is being reported as open is XX/XX/year> but there is no payment history being reported. Instead of the consumer agency reporting on time payments for the previous months since date opened it only reports late payments that should not be report either because Under 15 U.S. Code 1681b permissible purpose I never gave my consent to report anything on my consumer report. This is in fact identity theft. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) This is not fair or reporting 100 % accurate the payment from date opened should be reported but they are not. This is misleading and very harmful to my credit and ability to get financially free. They are reporting information that was not verified.

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 2024-07-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one sends me a letter daily. I dont want to sign up for their credit card. I called the company to stop, but that has not worked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: CA

Complaint narrative:
I called Transunion Regarding a XXXX open XXXX account with XXXX late paymentsin the 10 Years. I have new accounts open in 2024 Somehow this agent says that I lost the 10 years of positive payment history because I opened new accounts. My history with TransUnion shows XXXX credit history, When asked the Transunion agent told me that because I opened a new account I lostthe 10 years of positive payment history - I would like this to be cleared up. Case # XXXX XXXX ID : 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 2024-07-19 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: AL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-19 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: MO

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation