vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 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: NC

Complaint narrative:
I have been disputing for 6 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX  and AG! 

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.

I believe I am owed monetary damages for the emotional distress this has caused. I have been getting denied left and right because of this companies FAILURE TO DO THEIR JOBS! 


Accounts listed for reference : 1. 1681i. - Procedure in case of dispute accuracy XXXX  XXXX Account Number : XXXX Delete- XXXX  this account immediately, unless you want to be held for incompliance of the FCRA/FDCPA up to XXXX per violation or actual damages! 

2. 1681i. - Procedure in case of dispute accuracy XXXX XXXX Account Number : XXXX This account is inaccurate per the FCRA XXXX Delete-XXXX  this account as it will soon be involved in litigation. 

3. 1681i. - Procedure in case of dispute accuracy XXXX XXXX Account Number : XXXX This account is inaccurate per the FCRA XXXX Delete-XXXX  this account as it will soon be involved in litigation. 

4. Section 1681n - Civil liability for willful noncompliance XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate per the FCRA XXXX Delete-XXXX  this account as it will soon be involved in litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Attached is another threat. I've not missed one payment. This Bureau has the duty and responsibility to stop this type of fraud and it needs to cease and desist. 

They are acting fraudulent and ignore all requests to stop this illegal activity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Regarding Citibank checking account. On XX/XX/XXXX I submitted instruction for XXXX in the amount of {$25000.00} ( the daily XXXX ) for several days spread out. 
Received an email the transactions were cancelled and to resubmit. When I called I was told the fraud department called me- they did not. 
I was told I would receive a letter from the bank- I have not. 
I have XXXX homes and am in the XXXX home with the mail being forward so no idea when this letter will arrive. 
I went to a branch on XX/XX/13 with a passport and debit card. The branch was told by the XXXX team this is not acceptable so my account is frozen for the foreseeable future.

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 2023-11-14 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: U.S. BANCORP
State: OR

Complaint narrative:
XXXX attempted to used the card gifted to us XX/XX/XXXX - came up saying it was not authorized. 

XX/XX/XXXX called to the XXXX customer service number on the back. spoke to several people, refused to send to supervisor, after being asked. one person did attempt to help, and he was the one who advised me the card is registered to someone else and he was sorry. he didn't know how that could happen and the process to dispute. i went to the website, where I wasn't able to begin the process, it said the card was not valid and to call the XXXX number on the back of the card. 

I called for the last time XXXX call and demanded a supervisor who then told me that i couldn't use the website to put in the information to start the process to have this situation rectified, but that i had to... fax my ID now, the card front and back and the receipt ( which i have to call the gifter for, who will have to go back to XXXX XXXX to work with management there to obtain a copy, and the once this is all in ... they will in 30 days or so mail an updated card with the funds reissued. 

I was a total XXXX on the last two calls I made there. I am beyond irritated. Try telling a 5 and 10 yr old that the gift card that has their vacation spending money is not available for them for over 30+ days now when we won't be on vacation.

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 2023-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Online money transfer request made with Ally Bank to remove {$48000.00} from XXXX XXXXXXXX XXXX XXXX account into my new Ally Bank Savings account. The withdrawal took place on XX/XX/2023 and per the email received by Ally, the transfer was complete on XX/XX/2023 Another email was sent by Ally the same day advising that the transfer did not complete and we were to reach out to the " other financial institution '' to request the funds be returned and this action would re-deposit the funds back into the original account. 

After contacting XXXX XXXX XXXXXXXX to request the funds be returned, they advised that they could not complete this process and then advised me to have Ally " reject '' the funds so the funds could be returned back to them. Reached back out to Ally and I was told by them that XXXX XXXX XXXXXXXX needs to " dispute '' the transfer. Called XXXX XXXX XXXXXXXX again to let them know that Ally is saying that they need to " dispute '' the transfer, XXXX XXXX XXXXXXXX said once again that this will not return the funds back to them and that Ally needs to reject the funds It seems neither of these banks are willing to help and I'm supposed to be okay with {$48000.00} just hanging out there in limbo and not being returned 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The company reinserted previously deleted information under FCRA 605b due to identity theft The reinsertion of these accounts violates the FCRA Section 605B, which prohibits the re-reporting of information that has been previously deleted based on the expiration of the reporting period. 
The reinserted accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They also have incorrect names and addresses. 
Pursuant to 15 U.S. Code 1681e ( b ) they need to remove the names and addresses. 
My name should show as XXXX XXXX XXXX, XXXX and address as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

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 Accounts : XXXX  XXXX, XXXX XXXX, and Capital One Bank 15 USC 1681 USC section 602 states I have the right to privacy 15 USC 1681, Section 604 a, states that a consumer reporting agency can not furnish an account without written instructions. With all these laws in place for the consumer, they still violate them every day. Enough is enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: SYNCHRONY FINANCIAL
State: GA

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 Accounts : XXXX XXXX, Synchrony Bank, and XXXX XXXX XXXX  15 USC 1681 USC section 602 states I have the right to privacy 15 USC 1681, Section 604 a, states that a consumer reporting agency can not furnish an account without written instructions. With all these laws in place for the consumer, they still violate them every day. Enough is enough!

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I went to temporarily unlock my credit report and then relock it and these thieves automatically, without my consent, signed me up for some paid service I have no interest in and do not want. When I went back into my account to unsubscribe to this service and relock my account, it now tells me it's a paid service, but there's a " freeze '' option. When I went to do that, it made me have to create a whole new account. When I tried doing that, now it tells me it can't verify my info. IT WAS ALL THE SAME CORRECT INFO! Then it tells me to call a number, and the number brings you to foreign outsources script reader who keeps cutting in and out and is difficult to understand. They've purposely changed everything so you don't know what's free and what they're charging a subscription for and keep transferring you to new accounts. I DON'T WANT ANY SUBSCRIPTION SERVICES! I JUST WANT TO FREEZE OR LOCK, OR WHATEVER MY REPORT! PERIOD! I DON'T TO BE SOLD ANYTHING AND TRICKED INTO SIGNING UP FOR THINGS BY THESE SLEAZEBAGS

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 2023-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX I received a letter from TD Retail Services dated XX/XX/XXXX telling me that " A potentially suspicious transaction has been detected on your XXXX  XXXX account and we need to confirm that you authorized all the charges ''. 
I did not open this account or have any prior knowledge of this account opened in my name. 
The next day I received a congratulation letter from XXXX XXXX XXXX with a credit limit of {$20000.00} and the account number. 
I called both companies and reported this as fraud. I was routed to a private home when I called TD Retail Card Services ( baby crying in the background and dogs barking ) The customer service I received from this person was unprofessional and rude. This only heightened my stress about this entire ordeal. 
I filed a case with TD Retail Card Services. Case number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: LA

Complaint narrative:
I am reaching out as I have previously disputed unauthorized inquiries on my credit report from XXXX, TransUnion and XXXX. 

None of the unauthorized inquiries were removed and no documentation was provided. 

I am demanding to have the inquiries deleted abd have reached out to the bureaus again to request them to be deleted. 

See attached letter

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 2023-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I pulled my credit report from XXXX and an unauthorized collection account from CONSUMER ADJUSTMENT CO, on behalf of XXXX XXXX XXXX XXXX, reporting in the amount of {$1200.00}. I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2023. XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2023 and no response. Due to the lack of communication, I then contacting XXXX regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX, XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: LA

Complaint narrative:
My federal student loans were transferred from XXXX XXXX to MOHELA. When this happened, my loan repayment plan was changed from income-driven to a higher cost level plan. 

I provided MOHELA with documentation confirming my income driven status with XXXX XXXX but MOHELA refuses to update my repayment plan status to reflect the correct repayment plan. 

Ultimately, MOHELA changed the terms of my loan repayment plan without my consent or knowledge when the loans were transferred to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to seek clarification and verification regarding the reported late payment associated with my BANK OF AMERICA account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.

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 2023-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LJ Ross Associates
State: VA

Complaint narrative:
I do not believe this company has or has ever had a contract with me. I do not owe this debt as I did not create a debt account with this company and have not signed a contract with them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: NC

Complaint narrative:
I on XXXX XXXX I was a victim of identity theft, which accounts were made with housing that was not me I discovered fraudulent accounts had been opened with XXXX XXXX also represented by XXXX XXXXXXXX XXXX XXXX XXXX/ and Fair Collection & Organizations . Also XXXX XXXX is reporting fraud account to credit reporting agencies. I immediately filled a police report with XXXXXXXX XXXX XXXXXXXX XXXX police department because of fraud. These accounts were soon removed because they were fraudulent. Now these accounts are back and reporting a negative on my credit report preventing me from getting a home.

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 2023-11-14 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: NC

Complaint narrative:
I on n 2018 I was a victim of identity theft, which accounts were made with housing that was not me I discovered fraudulent accounts had been opened with XXXX XXXX also represented by XXXXXXXX XXXX XXXX XXXX XXXX and Fair Collection & Organizations . Also XXXX XXXX is reporting fraud account to credit reporting agencies. I immediately filled a police report with XXXXXXXX XXXX XXXXXXXX XXXX police department because of fraud. These accounts were soon removed because they were fraudulent. Now these accounts are back and reporting a negative on my credit report preventing me from getting a home.

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 2023-11-14 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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