vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Against Equifax for Violations of FCRA and FDCPA Dear Sir/Madam, I am writing to formally file a complaint against Equifax regarding their unlawful practices concerning my personal financial information. I believe that Equifax has engaged in activities that violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Graham-Leach-Bliley Act.

I have sent Equifax a notice requesting that they stop making reports on my personal finances. Despite this notice, they have failed to comply. The FCRA and the Graham-Leach-Bliley Act clearly state that consumers have the right to privacy, and I feel that my rights and liberties have been infringed upon by Equifaxs actions. My personal life and financial information should not be used for profit by a non-government agency, especially when I receive no benefit from such practices. 

I am particularly concerned about the following issues : 1. **Aggravated Identity Theft** : Equifax has purchased my private information from other corporations and subsequently sold this nonpublic information to other entities without my consent. I was not given any opportunity or notice to opt out of credit reporting, which constitutes a violation of my privacy rights. 

2. **Extortion and Coercion** : Equifax appears to be actively engaged in coercive practices by advertising nonpayment of debt as a means to influence payment. They have also made reports that are designed to disgrace and embarrass me as a consumer, which is a clear violation of the FDCPA and FCRA.

3. **False Reporting** : The reporting of false and inaccurate nonpublic information by Equifax has caused me severe distress, injuries, and damages. This practice seems to be a means for them to profit from the misuse of my stolen identifying information. 

I urge your offices to investigate Equifax for these violations and take appropriate action to protect consumers like myself from such unethical and unlawful practices. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely THE IS NO DEBT OWED ON THIS ACCOUNT THIS ACCOUNT SHOULD STILL REPORT AS A COLLECTION OR CHARGE OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of these banks have fraudulent check my credit without my permission 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

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 2024-12-29 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:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
XXXX  XXXX # XXXX XXXX XXXX XXXX On XX/XX/year> I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Credit Report Information Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear Sir/Madam, I am writing to formally dispute certain information that appears on my credit report. I have reviewed the report provided to me and believe that there is inaccurate or incomplete information listed. Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am exercising my right to dispute this item and request that your agency investigate the accuracy of the information.

The specific item ( s ) in question are : Target Account # XXXX I believe that this information is incorrect because it is outdated, showing a wrong balance. In accordance with the Fair Credit Reporting Act, you are required to conduct a reasonable investigation of the disputed information and provide me with the results within the required timeframe. Please ensure that the information is reviewed and, if necessary, corrected or removed from my credit report. 
Please notify me of the outcome of your investigation as soon as it is complete. Additionally, if the dispute is resolved in my favor, please update my credit file accordingly and send me an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I expect that you will act in accordance with the guidelines set forth by the Fair Credit Reporting Act and resolve this issue as soon as possible. Should you need any further information from me, please do not hesitate to contact me at the above-mentioned phone number or email address. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I opened my Ally Checking account XX/XX/year>. Almost immediately, I begin having online access issues and continuously got errors stating " You've been locked out of your account '' when trying to manage my online access. I have called ~10 times to speak with Ally Customer Support but no representative was able to resolve the issue ; in fact, they would say they do not see any error on their system ( their system did not acknowledge that I was getting locked out / getting error messages ).

One of the representatives acknowledged that the first " case '' was opened on XX/XX/year>. Since then, I have not been able to access my online account. In other words, for several weeks, I have not been able to know how much money I have on my account, what funds are going in and out, what bills have been paid, and my progress towards personal financial goals. 

This is a complete disaster and has caused incredible stress for the last several weeks. Ally Bank has not treated this issue with the severity it deserves, and has not provided any support or urgency to support my issue. I want to transfer ALL FUNDS out of Ally Bank and close the account 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 2024-12-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of these banks have fraudulent check my credit without my permission 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

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 2024-12-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of these banks have fraudulent check my credit without my permission 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have asked Equifax to please remove XXXX XXXX XXXX XXXX  unknown/unauthorized inquiries from my credit report. XXXX account belongs to my brother and Im only listed on the account just in case something happened to him, the the car would come to me. XXXX is my brother account and Im listed on there as a contact person, but its ruining my credit, and the XXXX XXXX that I never gave permission to run against my credit. Please remove these things immediately and provide an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Ive exhausted every option I have to use a gift card in and yet to been able to use a XXXX from this card. Its a {$25.00} gift card that is invalid in all places Ive shopped at, in-store and online.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$15000.00} Charged off

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion hasnt exercised due diligence in the handling of accounts via the accuracy, and timely reporting of account information. 
Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), Transunion is required to verify, through the physical verification of the original signed consumer contract, any and all accounts reported on a credit file. It is my understanding that failure to positively verify the legitimacy of an account with proper documentation means the account can not legally remain on 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 2024-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
HUNTER WARFIELD INC Reported a Collection on my credit report that I did not owe. 
I never received any written notice or any communication about such debt. I also never interacted or transacted with this lender. I have reached out and they continue to ask for personal information to try and collect information that they should have if I truly had this account. They refuse to remove this inaccurate debt record and I would like this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Charged off- XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need this accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I just recently enrolled into the OOPS overdraft protection program through Navy Federal Credit Union and its only been a few weeks and everyday I am being hit with a fee that this is coming up on my XXXX paycheck where I am overdraft {$500.00} or more leaving me with only {$200.00} out of my paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My CD account with Merrill ( Bank of America ) has been a nightmare. I opened a CD account with Merrill on XX/XX/year>. When I checked my CD on XX/XX/year>, I noticed that the CD balance was going down every day. When I asked about this, the bank advisor told me " it's a penalty ''. I was confused because I had no plans to close my CD, but the penalty had already been charged. I realized that Merrill CD was a fraudulent account and I immediately closed my CD account on XX/XX/year>. When I called Merrill on XX/XX/year> because I hadn't received a check for a week, the lady who answered the phone threatened me " where did your money come from '' and " we need to investigate ''. Merrill withheld my money for at least a week until I contacted the bank 's top director. After receiving the check, I asked the bank 's senior management several times via email. ( 1 ) Is it legal for you to withhold customers ' money for an " investigation '' without any evidence after I closed my CD account? ( 2 ) Why did you use my money regardless of whether it was dirty money or not, and then withheld my money for investigation after I closed my CD account? I never got a reasonable answer. It is terrible for a bank to arbitrarily withhold customers ' money without any evidence after the account is closed. So, I suggest that we need to be very careful when depositing money with Merrill ( Bank of America ).

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