vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
The DCU is default and non performance of acceptance of accord and satisfaction with negotiable instrument NJ 12A 3-311. They have accepted accord and satisfaction from the borrower by electronic funds transfer in XX/XX/2023 and by postal money order in XX/XX/2023. They have received bona fide dispute for Billing errors, an opportunity to cure, notice of default and notice of non performance. All Send via certified mail direct to the CFO CEO and Board Members are currently holding a payment and not applying it to the account. They are violating G A A P and not returning the instrument in an alleged attempt to harm the credit profile by forcing a 30 lapse to hold the borrower without honor. Duress payments continue to be main while DCU continues non performance and other legal matters may take place. DCU has been given questions to answer under penalty of perjury and has yet to address The Borrower, who Is a member of DCU, therefore non compliance to their governance to be accountable to their members by not addressing any of the concerns. The resolution is adhere to your guideline of following state law and statues by honoring the Accord and satisfaction and complete the accounting.

The entire agreement is challenged to its validity as DCU has not answered any questions posed to them with in the Borrowers right under the FCRA FDCPA TILD the borrow has right in the transaction.

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 2024-04-23 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant XXXX, even affecting my XXXX XXXX XXXX. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-04-23 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I previously disputed this account with XXXX Affirm INC XXXX. I advised them this account was not reporting accurately. According to the IRS when and account is charged off its considered income and according to the FCRA income can not be reported on a credit report. I requested a 1099-C ( cancellation of debt ) from Affirm in regards to the following charged off account Affirm INC XXXX. Affirm INC received a corresponding tax deduction for the uncollected amount associated with this charge-off and I had to file the balance of {$880.00} as income on my taxes! This account can no longer be reported and should not be reported as it is fraud on behave of Affirm INC and violates my FCRA rights! Delete this account from credit report immediately for inaccuracy!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient currently services my XXXX XXXX XXXX and I would like this to be discharged based on them being taken out to attend a school that is now closed and is now being proven to be deceptive under the ongoing lawsuit XXXX vs XXXX. 


Loan was disbursed in XX/XX/year> for the amount of {$9700.00} on which i still owe XXXX as if todays day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX credit card is terrible. I am moving and it's costing the earth so I called my credit card companies asking them to give me a break this month. All my cards except XXXX XXXX  did that. 

I called XXXX  XXXX  2 days before my payment was due and asked to skip the XXXX payment. I got a large refund on an old payment that I had made so my XXXX XXXX  balance was going down by {$XXXX}, to almost 1/4 of what it was. That refund went against my balance on XX/XX/XXXX. But XXXX XXXX  still said they could not give me a break. Even though I have had this card for years and I have always paid on time, In fact this is a cashbacked card, I paid them {$XXXX} when I opened it because my credit was low at that time. 

The supervisor said to call back after I had missed the payment and they could probably waive the late payment fee and by then they might have some programs available so that I could skip XXXX 's payment. 

Well I just called back and none of that is true. I can not skip a payment and they are charging me {XXXX} for being late in paying XXXX 's payment and will not waive that fee. If I had known for sure that I absolutely was not going to be able to skip a payment and that they were not going to waive the late payment fee, no matter how difficult it was going to be for me I would have paid the XXXX payment on that day. Now, not only did I have to pay the payment, but I'm going to have to pay another {$XXXX}. Also, they said that my next payment in XXXX would be the same as for XXXX, despite the fact that my balance on the card has decreased by three quarters. The way this company treats its customers is disgusting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-23 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: OR

Complaint narrative:
I've been trying to fix my credit reporting with XXXX by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom it may concern : You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
This company that identifies itself as XXXX I is continuously calling me at an opportunity times as I work from my cell phone. The company is also making harassing calls to others on my behalf. 

If this company believes that it has a valid debt that belongs to me, it may contact me solely at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 

Any other method of communication will be deemed harassing and/or a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hi, I recently opened a checking account with XXXX  with a code attached to the account opening for a {$XXXX} bonus whenever I reached {$XXXX} in deposits to the account. I have now deposited more than {$XXXX} into the account and still havent received my {$XXXX} bonus. They have failed to reach back out to me after multiple phone calls and chat messages to their chat system. When I had finally gotten through to a rep, they told me the system was undergoing maintenance and to call back in 1 hour. When I called back, their system continued to say they couldnt connect me to a representative for my issue. I have tried to reach out by email too but no luck finding a credible email address. 

I also looked up this same issue on XXXX and hundreds of other people have failed to receive their {XXXX} bonus credit from the same offer. Apparently some XXXX reps had told people that too many people signed up with their {$XXXX} offer and they dont have the funds to pay everyone. 

Thanks, 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 explanation
Consumer complaint received 2024-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX According to FCRA section 605b it is illegal to report information on my credit report without my permission please remove this item from my credit 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
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Automated Collection Services, Inc.
State: TX

Complaint narrative:
This company that identifies itself as ACS I is continuously calling me at an opportunity times as I work from my cell phone. The company is also making harassing calls to others on my behalf. 

If this company believes that it has a valid debt that belongs to me, it may contact me solely at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. 

Any other method of communication will be deemed harassing and/or a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX  XXXX # XXXX date opened XXXX XXXX, XXXX XXXX  XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX XXXX  XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX  XXXX acc # XXXX date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  acc # XXXX date opened XX/XX/XXXX XXXX  acc # XXXX date opened XX/XX/XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX  XXXX # XXXX date opened XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX  XXXX # XXXX date opeend XX/XX/XXXX XXXX XXXX. XXXX # XXXX date opened XX/XX/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 2024-04-23 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: CA

Complaint narrative:
This account was charged off on the following date ( XXXX, XXXX  ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statutes of limitations. I am demanding a deletion of the following account : XXXX XXXX ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: WA

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

Company 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 2024-04-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
XX/XX/2024 my CD term matured with a balance of {$23000.00} and I provided instructions for the money to be transferred to a savings account with XXXX XXXX  upon maturation of the CD. On XX/XX/2024, Marcus by Goldman Sachs ( Marcus ) paid out an interest balance of {$38.00} which lines up with their own high-yield savings rate. On XX/XX/2024, I called Marcus and requested to have my account closed or to just transfer the funds from the Marcus account to the XXXX XXXX  account mentioned earlier. Seven days later, on XX/XX/2024, I again called Marcus requesting the same thing. This time, I entered a conference call with a representative from both Marcus and XXXX XXXX  wherein the XXXX XXXX  representative confirmed my account information with the Marcus representative. After this, I was told that Marcus needed to approve the funds transfer and closure of my account and that this should take a few business days. It has since been sixteen business days with no change on either account ( asside from a {$100.00} interest payment made by Marcus on the account ). I am unable to make any transfers on their website, and the link to the transfer page seems to be broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: IN

Complaint narrative:
XXXX told me they have been trying to contact me for a month and sent emails, letter and phone calls. Today is the first notification recieved and it was a voicemail on my phone to which they left no information except that they were an attorney named XXXX XXXX upon returning the call no one named XXXX XXXX works there and they said it is a generic recording. I was also hung up on by several employees including the supervisor. I attempted to reach a settlement on the debt and they said there will be no settlement and they will be reporting to my credit. Threatening to damage my credit if I didnt make an immediate payment if the full amount they claim is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: TN

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602a states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: EQUIFAX, INC.
State: PA

Complaint narrative:
After submitting complaints through the CFPB, I have received several letters from Equifax indicating they are unable to verify my identity therefore they are unable to look into my complaints. 

Each time I have submitted a complaint through the CFPB I have included documents to verify my identity which includes my current drivers license, and social security card. In addition, I even added my voter registration which also has my current address. 

If I am submitting these documents through the CFPB when I am making the complaint, am i wrong to assume those documents would also be sent to the agency I am requesting to look into the complaint? If so, why is Equifax still requesting this information? 

According to CFPB 's website : " Include copies or photos of documents related to your issue, such as contracts, letters, and receipts, and we will forward all materials to the company for review. '' I believe it to be a stall tactic that is used by the agency, and a reason for them not to look into my complaint/dispute. AGAIN, I AM ATTACHING PROOF OF IDENTITY/ADDRESS IN THIS COMPLAINT IN ADDITION TO THE LETTER I CONTINUE TO RECEIVE FROM EQUIFAX. PLEASE SEND TO THE AGENCY WHEN SENDING COMPLAINT!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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