vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I'm on the phone with " XXXX '', the second person I've spoken with, trying to close my account. It has been XXXX minutes. Both these individuals have lied repeatedly, claiming to need information about my other credit cards, checking and savings accounts, verification by texts, passwords, last XXXX numbers of the account I use to pay the invoice -- all to simply close this account. XXXX refuses to close it and wants me to call back later. He has said " just another second '' at least XXXX times. This is simply a stalling technique. He is now demanding to know how many times I tried to charge each of the charges that were declined. Because I could not say how many times I tried to charge a particular purchase, he insisted he could not close my account. Finally, he asked what I meant by " close my account ''. Then he asked me to call back. He's clearly trying to get me to hang up so I can't close the account. Now after keeping me on the phone for XXXX minutes he's transferring me to another account specialist. I object. He does it anyway. Says he does not have the power to close it. Now he puts me on hold. Now I'm talking with XXXX, who tries to convince me not to close the account. At XXXX hr and XXXX min he finally closes my account. I ask to whom I can complain about these abusive practices and he will not tell 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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/year>, I sent a l compliant through CFPB about the unauthorized credit inquiries that Equifax is reporting on my credit report. Because every time I mail in a letter Equifax sends a letter back saying I need to prove my residence and identity. Equifax responded to the CFPB complaint on XX/XX/year>, with an explanation saying that the inquiries were verified. On XX/XX/year>, I mailed a letter to Equifax requesting a reinvestigate and Method of Verification or delete disputed items from my credit report. Equifax mailed another letter saying I need to mail in proof of residence and identity, which I have sent, and I always send. As of this date, Equifax have failed to respond to my request. 
The law stipulates that Equifax must investigate within 30 days of receiving my letter and respond within 5 days of completing their investigation. They have not followed the stipulations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: Certegy Holdings, LLC
State: NM

Complaint narrative:
Pray its Legal 100 % 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 All banks can not verify XXXX to open a new Bank Account and often Credit Card Purchase Declined fore 100 % no valid reason when XXXX has a XXXX Credit Score 100 % All banks Suspect Fraud and 100 % no bank can figure out why In 3 Months XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  all closed XXXX bank account suspect XXXX of Fraud fore 100 % no Reason because XXXX filed attached Lawsuit Agents XXXX XXXXXXXX XXXX XXXX XXXX by XXXX XXXXXXXX XXXX XXXXXXXX Houses made out XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX  stole {$100000.00} Dollers from XXXX and XXXX bank lawyers say its imposable to comprehend so XXXX Put a Fraud Alert on his account then try to remove the Alert the same month and Send XXXX forms of ID USPS Mail XXXX times to XXXX XXXX XXXX refuse to remove the alert 7 years had to expire

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 2024-04-18 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:
After reviewing my credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens bank has been holding my funds for a year + with no explanation given as to why, while at the same time charging me monthly maintenance fees on money i have no access to. I tried to transfer this money to XXXX XXXX, and XXXX was able to honor the transaction via XXXX. After i spent the money on my bills, i check back and see that the money was revered by citizens which in turn resulted in a civil lawsuit against me from XXXX. Im filing this complaint on the advice given to me by the district judge, AND the opposing parties ( XXXX XXXX ) lawyer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
MY INSURANCE SENTRY SENT PAYOFF AMOUNT TO SANTANDER AND THEY STILL HAVE NOT CASH IT RESULTING IN LATE PAYMENT ON MY CREDIT SCORE CLAIM NUMBER XXXX CHECK NUMBER XXXX. {$23000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-18 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: OneMain Finance Corporation
State: NC

Complaint narrative:
I am a victim of identity theft and I advised One Main that I was. I am not reliable for the erroneous balance that is reporting to my credit file. One Main attempted to file civil lawsuit against me, but later dismissed with prejudice. This told me that they did not have the adequate information that I was requesting from their institution. I have never signed a legal binding contract with One Main. Once I started getting harassed by One Main about this alleged debt, I knew I was a victim of identity theft. My certified letters to One Main and my calls made to their company has not gotten me anywhere. Someone else is using my name, identity and SSN for financial and personal gain and I will not be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX has ruined my credit report by inaccurately reporting a closed auto loan on my Experian credit report. They inaccurately reported 90 days past due and 37 months in CHARGED OFF status which has completely ruined my otherwise perfect XXXX XXXX. I was sold a car that needed several repairs that I had no knowledge of and I still never missed a payment on that auto loan for account number XXXX. I voluntarily surrendered the vehicle which should have closed out that auto loan on my credit report with " voluntarily surrendered '' for the status. I currently have another open auto loan with XXXX XXXX XXXX that I have never missed a payment on. XXXX XXXX XXXX has violated my rights and grossly misreported a closed charged off auto loan onto my Experian credit report. I demand you remove this account from my credit report otherwise I will seek legal counsel. I have tried calling XXXX XXXX XXXX  customer service number and kept being put on hold leading to them just hanging up the phone on me. XXXX XXXX XXXX operates extremely inefficiently and does not do good business.

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 2024-04-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: IL

Complaint narrative:
I reached out to kick off XX/XX/2024, spoke with that XXXX ask them if they can remove the account because you're reporting that the account is open in the account is not open and she said that they couldn't do to certain laws and rules and regulations was up to them to report the accuracy and I told her that is not accurate, and your study reporting You just reported XX/XX/2024 on this account Are you reporting on a closed account and not to mention that you can't get in touch with these people You can only get in touch with them through email The phone number is not correct You can't speak to a lot person and the address sends mail back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: MO

Complaint narrative:
I am writing in response to your recent communication regarding my submitted CFPB Complaint concerning unauthorized hard inquiries appearing on my credit report. 

I am concerned about the thoroughness of your review process, as my original complaint ( ID : XXXX ) included all necessary documents such as my identification, full name, and proof of address. Despite this, it seems there may have been oversights in the examination of these details, prompting me to reiterate them within this letter for your reference. Enclosed are the details and documents that you are asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: MO

Complaint narrative:
I am writing in response to your recent communication regarding my submitted CFPB Complaint concerning unauthorized hard inquiries appearing on my credit report. 

I am concerned about the thoroughness of your review process, as my original complaint ( ID : XXXX ) included all necessary documents such as my identification, full name, and proof of address. Despite this, it seems there may have been oversights in the examination of these details, prompting me to reiterate them within this letter for your reference. Enclosed are the details and documents that you are asking 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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have a closed account with capital one I paid of the amount with the collection company I would pay the full amount as long as its updated with with paid in full on my credit they agree when I called back 30 days later the collection company and capital told me there is nothing I can do to go dispute it my self and this is with a record agreement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Credit Bamk has started adding extortionate rates for paper statements wach month. For a XXXX 's account it's {$2.00} XXXX, while a XXXX XXXX account is {$1.00} XXXX. There's no way these rates represent any approximation of the cost of printing and mailing statements.

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 2024-04-18 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to XXXX  % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within XXXX  days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than XXXX days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I received an email from a collections agency called Aldous & Associates that there was a debt outstanding of {$130.00} from a debt I owed from XXXX XXXX. On XX/XX/2023 there was a collection item listed by Aldous & Associates from XXXX XXXX as the original creditor. I never gave XXXX XXXX my social security number or my date of birth. I am perplexed on how the collection agency obtained my personal information to report a collection item on my credit report. My claim is that the Aldus & Associates illegally obtained my personal information through identity theft to report an item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
After reviewing my TransUnion, XXXX and XXXX credit reports, I have identified some inaccurate late payments that needs reporting and correction through your company. Please see attachments below.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
After reviewing my XXXX, Experian and XXXX credit reports, I have identified some inaccurate late payments that needs reporting and correction through your company. Please see attachments below.

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