vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Reporting inaccurate information The Credit Bureaus NEVER Did Proper Investigation according to the FCRA The term investigation consumer report means a consumer report or thereof in which information on on a consumers character, general reputation on, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information on.

They did not do this.

Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE!!

The credit bureaus stated this account was properly inves : gated but how if the Open Date is inaccurate, Last Payment Date in inaccurate, date last reported is not accurate This is Grounds for REMOVAL!!

They Also Violated the law because according to 15U.S.C 1681 Sec : on 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Sec : on 604 A States a Consumer repor : ng agency can not furnish an account without my written instructions on.

I myself did not given anyone consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
Rmp services responded to my complaint stating I verified in 2018 by calling their facility the debt. I did not validate. I called to ask for validation and they could not figure out where the amount came from. The account was requested to be removed and they have fought me since stating that I verified it but I did not. The call should have been monitored and recorded. Pull the phone call. This is not my debt. The company also refused to abide by the USC laws I wrote out to take myself out of their reporting services stating it is on their website. I have received no such notice by mail. A company can not speak. All communications must be through mail to be valid. No privacy act trumps any CFR or USC laws. Remove this account immediately before legal action is pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Month after month when I make my payment which is on XXXX the XXXX of each month it takes XXXXt more than 10 days once it took them 27 days yo update my payment reflecting online and balance this is beyond ridiculous they come up with more excuses than enough here it is they drafted the payment out of my account XX/XX/XXXX and its now XX/XX/XXXX and they havent updated my balances paid on time but are quick to report Ive used most my limit when in fact they just refuse to their jobs and post payments this has been going on XX/XX/XXXX and frankly Im tired of emailing and calling every month they claim I can call with my bank on the line yo confirm funds have cleared its been two weeks they are very aware they received the payment if I could close the card without affecting my credit severely I would its unfair practices to the consumer its no where in their terms and conditions that they can process and update payments at their leisure again last month it took them almost 30 days until I called and complained

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have written to TD Bank several times concerning the TD Cash Visa Signature Card ending in XXXX - This is a closed account but they keep adding finance charges and late fees monthly to this account. Its now up to {$100.00}. I closed all my TD Bank accounts on or about XXXX or XXXX, 2023 and was not aware that this one account was still open and active. On or about XXXX, 2023, I received a letter from TD Bank indicating an amount of {$76.00} was due on this credit card ending in XXXX. I called the bank to inquire about this charge and was informed that XXXX charged this card {$4.00} in XXXX, 2023 and again in XXXX, 2023 {$4.00}. I immediately paid the this charge of {$9.00} under reference # XXXX and requested the bank waive the finance charge and late fees. They refused. Furthermore, I also informed XXXX not to charge this account any further. However TD Bank is continually charging this account late fees and finance charges. I paid what was due when I became aware that XXXX was charging this account and feel its unreasonable that TD Bank keeps adding monthly finance charges and late fees to an account that is no longer active. I am hoping you can provide me with some relief to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Credit card company sold my debt that was closed after I returned items to 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I believe XXXX XXXX and Experian has violated several of my consumer rights. Specifically, they failed to validate my debt at my request which is an FDCPA violation and they continued to report a disputed debt to the credit bureaus which is a FCRA violation. Not only have they ignored my prior request for validation of debt, proof attached : receipt copies or letter copies but they continue to report this debt to the credit bureaus causing damage to my character. 
I request that the credit bureaus follow the FDCPA and please provide the following validation of debt request. 
1. Proof of right to own/ collect this alleged debt 2. Balance claimed including all fees interest and penalties 3. Contract bearing my personal signature I would like to exercise " Estoppel by Silence '' which legally means that the bureaus have a duty to speak but failed to do so, so therefore it must mean that the debt is false. I will use Estoppel in my defense. 
I expect to receive the proof requested above within 15 days of this letter. Should the bureaus ignore my request for validation of debt I reserve the right to sue the bureaus for violation of my consumer rights specified under both the FDCPA and the FCRA. 

Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXXXXXX Account 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 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I deposited a check in the amount of XXXX yesterday in the drive thru. I gave the teller the check and a deposit slip. I was given a deposit slip receipt. The XXXX was NOT put into my account and MY account was DEBITED XXXX. I was told the problem was a teller mistake and would be corrected by XXXX XXXX. My account has not been credited in any way. I have spoke with the branch manager who states there is nothing she can do except create a ticket. I feel the bank should at least credit my account for the withdrawal that I did not give permission for.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I filed a petition in XXXX XXXX Florida for Florida Name Change. The Judge granted the name change and I followed the steps to update my Social Security Card and my Florida Drivers License. I spent time faxing and mailing the documents to all three major Credit Bureaus, Experian, XXXX XXXX, amd XXXX. I also contacted my creditors including my Bank, Credit Card Companies, Utilities, Hospital wth my documents pertaining to my Florida Name Change. Everything was good. 

XXXX XXXX pandemic I pulled my Credit Report and Experian was the only company that did not change my name. I gathered all of the documents and mailed them to XXXX Texas again. I have tried a dozen phone numbers since XXXX to speak to a live agent with no success until 4 days ago. Experian must have transferred me to 5 different agents in a period of 5 hours on the phone being placed on holds in 20 minute intervals. The first lady I spoked with cliamed that she found my documents and proceeded to transfer me over to XXXX online portal to change my name. After explaining this situation over and over I was told that I was speaking to the fraud department and would be transferred again. 

I was excited to see that this would be taken care of after almost 4 years. Then 5 days ago on Friday I recieved an email claiming that they needed more documents. I don't want to send more documents every other week that cost money and my time and my effort when I risk the company having no success at doing their job.This is important and they seem to not care. 

XXXX XXXX and XXXX began reporting my new name immediately. 

Monday I spoke to another agent about the email response and he wasn't very nice and asked me to upload the documents to Experian.com/upload. I have tried the last 3 days with no success. The Website does not except the required pdf or Tiff files. Its a constant error message that pushed me to spend a few hours resetting my Computer and using other browsers. Complete failure. 

I just want my new name changed on my credit report. I don't want to have to keep sending documents every other week. They were mailed to them twice. It has been almost 4 years. 

Please help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I work in farming outside the country but we just have gone to the worst rain and flood season in the past 27 years. We have not been able to harvest our crop since XX/XX/2022. 
We are now in the process of rehabilitation of the plantation and it will take the rest of the year to be in good standing. 
I have just proposed the lender to pay 50 % of what is now due, but they did not want to accept any partial payments. Only the full reinstatement amount. I asked them to take the 50 % now and within a month make good on the other 50 % but they are not accepting the offer

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As a consumer in natural person I am aware of all the rights that I have and which are protected by The Congress under the Fair Credit Reporting Act. 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. XXXXXXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX, has violated my rights. 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 non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MN

Complaint narrative:
On XX/XX/2023, I requested a Lexisnexis Consumee Disclosure Report, upon receiving that in the mail, I found serval things that were inaccurate/ does not belong to me, a bankruptcy in the US court, that is not my bankruptcy I have never filed bankruptcy nor attempt to file a bankruptcy. My name is incorrect on that report my name is XXXX XXXX not XXXX XXXX all the address on that report is incorrect. I have called and called this company to dispute all the information that either does not belong to me or that is inaccurate and every representative I get tells me that that report is accurate and mine. Im asking you to delete the bankruptcy that is not mine on my report and all the addresses. I have a right to a fair credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My total XXXX XXXX bill was due on XX/XX/23 in the amount of {$160.00}. I paid this balance IN FULL on XX/XX/23 the day before it was due. To my knowledge, this account was paid off and I no longer owed any money. Apparently, the next billing cycle, Comenity Bank charged me {$3.00} in interest ( even though the total balance was paid off ) and they continued to charge me interest and late fees for 6 months without my knowledge that there was even a balance. They reported it to the credit bureaus on XXXX even though, again, I was under the impression this account was paid off in full. I never received any phone calls or emails saying that I had late fees or was late on any payments and it was not until I ordered a copy of my credit report that I saw this was on there. I have called Comenity Bank 3 times and no one will help other than telling me to write a letter but I need this taken off of my credit report IMMEDIATELY. I can not believe Comenity Bank has the audacity to ruin my credit over {$3.00} that I was unaware of!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : COLLECTIONS ACCOUNT : XXXX XXXX ORIGINAL CREDITOR : XXXX BALANCE : {$3300.00} REMARKS : Derogatory

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
In XXXX of 2021, I purchased a medical device from XXXX for {$5500.00}. To pay for the device, I was contacted by a representative from CareCredit Mastercard. She told me that if I used their credit card, it would be interest free, because it was a needed medical device, if I agreed to make a payment that they would bill me for monthly and if I agreed to give them permission to take it from my bank account directly. She said after 2 years the charge for the device would be paid off interest free and I didn't need to do anything other then make sure there was enough money in the account to pay the monthly bill. 
I have been trying to resolve this since XXXX of this year as it was 2 years and they still keep deducting a payment from my bank account each month. I've had conversations with them the week of XX/XX/XXXX and XXXX. They also said after more then 2 years I still owed {$4700.00}! I did figure out how to stop them from going into my account. I called their hotline and he said that I still owed them {$4700.00}! How could this be I asked when I have been making the payments that their person said I would need to payoff the device. I've paid {$3700.00} for the past 2 and a half years. Why it doesn't total up to the {$5500.00} I don't know, they obviously made a mistake, as she said at that time that they would calculate the correct amount monthly. 
Now their representative tells me it was my responsibility to calculate the monthly payments. How can that be I asked, I'm a XXXX XXXX, not a loan accountant. I wouldn't know how to do that! I told them that I am not trying to get something for nothing, and I am not trying to pay less then what the device cost, however, I can not allow myself to be taken advantage of either, especially in our terrible economy. 
I told them I've made payments of {$3700.00} which means I still owe them {$1800.00}. I told them I can get this amount for them but they said they wanted another {$4700.00}. That would mean the device would cost {$10000.00}! How could that be. They told me if I don't pay it they will send a collection agency after me. I am worried sick over this, please help,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am emotionally frustrated and disappointed to lodge this formal complaint against the credit reporting agency. Despite my numerous disputes dated [ INSERT THE DATE OF DISPUTES ], XXXX, XXXX, and Transunion have callously disregarded my previous requests. Their failure to uphold reasonable procedures to ensure the utmost accuracy, as mandated by 15 U.S.C. 1681e ( b ), in the credit reports they publish is deeply disheartening. According to 15 U.S. Code 1681i, it is clearly stated that XXXX, Transunion, and XXXX are obliged to conclude the investigation within 30 days from the date they received my dispute and provide a response. However, to my immense frustration, I have not received any response, nor have they taken the necessary steps to address the inaccuracies present in my credit report. 
I've also included the dispute letters that I sent for your reference. I'd like to point out the urgency of the situation and demand that the inaccurate information on my credit report be removed. This demand is based on the violation of both 15 U.S.C. 1681e ( b ) and 15 U.S. Code 1681i. I am disappointed that the credit rating agencies in question have not reacted quickly to my complaints. It is worrying and aggravating the situation in question that such a lack of urgency has not been addressed. In addition, the information they have provided is not merely incorrect but also misleading. This error of reporting is a significant and material mistake on the part of them. 
According to 15 US Code 1681a ( 4 ), consumer reporting agencies must respect my right to privacy but clearly, my right to privacy as a consumer has been violated by you publicly reporting this information when I never gave your organization permission to report my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief