vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX 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 ) Sectio
n 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 XXXX 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 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 2024-09-21 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: LEXISNEXIS
State: FL

Complaint narrative:
XXXX 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 XXXX 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 explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I am writing to formally dispute the actions taken by XXXX XXXX regarding the unjust restriction of my business account without a proper or legal explanation. I have maintained a business checking account with XXXX XXXX for over two years in good standing, and the recent restrictions have significantly disrupted my business operations. 

According to the Electronic Funds Transfer Act ( EFTA ) and other relevant consumer protection regulations, financial institutions are required to provide clear and timely communication to account holders regarding any restrictions, including the reasons for such actions. XXXX XXXX has not complied with these legal obligations, leaving me without access to my account and providing no explanation despite my repeated requests. 

During my communication with their representatives, I expressed that I felt disrespected and unfairly treated, as the account restrictions seemed arbitrary and without merit. The failure to provide transparency and support has placed my business at risk of severe financial loss, including the potential foreclosure of investment properties and an inability to meet essential business obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: MI

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts do not recognize are continued here. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
XXXX XXXX on-line for {$1000.00}, in office loan XX/XX/XXXX for {$640.00}. I spoke with them in XX/XX/XXXX to ask my total cost, which I was told {$3900.00} I ask why and I was told because of my credit I have a XXXX interest rate which I had no knowledge it was that high. I wasn't informed when filling out my application or I wouldn't have accepted that. The lady at the office even helped me lie on the application so I could be approved by putting stuff on there I didn't own for collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NJ

Complaint narrative:
When my daughter moved out of the apartment complex ( XXXX XXXX XXXX in XXXX XXXX, we paid what was due according to the move out statement, less {$300.00} cleaning fee, which we were disputing. We never received any response to our letter describing the dispute, and the check was cashed by the apartment complex in XX/XX/XXXX. In XX/XX/XXXX, we received a call from a debt collector stating that we owed money for bounced checks. We had no idea of what this was about and requested information, which we were told that they do not have to supply that to us, that their " client provided me with all the proof I need ''. We eventually did get proof from the debt collector, which was for the full amount of the move out statement, even though we paid everything with the exception of the {$300.00} which we had disputed more than XXXX  years prior. Once we sent proof back to the debt collector, we did not receive a response from them. Next thing we know, {$300.00} is appearing on my credit reports as a collection. We then sent a letter to the apartment complex and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am currently an Identity Theft victim, and froze the three credit reporting agency accounts in XX/XX/XXXX - these accounts also have fraud alerts on them that i placed. My experian credit monitoring account was hijacked my someone who opened a fraudulent digitial checking account and they changed all my login credentials on Sunday XX/XX/XXXX. It took 24 hours for me to reach the checking department on the phone and they said they would close this unauthorized checking account- they still have not sent me the email confirmation of this account being closed or sent me a mailed letter. It took two days of calling to reach someone in the membership dept to get help recovering my credit monitoring account : they helped me set up new user name & password but did not put my phone number back on my account- the account still has someone else 's number. I have called them 32 times about this and there is no option to reach a human being. I emailed them also about 15 times and they only responded twice with copy & pasted " help '' instructions pulled from their website. They haven't bothered to read what my issue is, or call me, or respond to me with any sense of urgency to protect my sensitive personal data. I have filed a police report for the fraud that happened with experian on XX/XX/XXXX and so i am able to extended the security alerts for another seven years. They exposed me to an account breach and someone gained access to my personal information, Experian is not addressing this or following the law. This is abusive practice of a credit reporting agency to treat consumers like garbage and offering no protection for the personal data they maintain And how they are treating me, who is already an Identity theft victim, is absolutely disgusting

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-09-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NATIONAL DEBT RELIEF LLC
State: OR

Complaint narrative:
The company is National Debt Relief. 

The issue they posed to me was that they would have me approve settlement offers and then change the details they provided me immediately after I signed. This happened on multiple occurrences. When I contacted the company to retract my offers due to changing details after I approve they essentially said they could not and it was my fault for accepting the agreements. This, to me, seems highly illegal and is essentially tricking their customers to accept legally binding offers and changing the details of said offers after the customer agrees. The details they changed were the balances on my debt and National Debt Relief charges a 25 % fee of the balance. I choose to accept settlements offers based on the settlement plus the 25 % balance fee. This means that, after changing the fee, the total I pay changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: FL

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft, which has led to multiple fraudulent accounts and an unauthorized inquiry appearing on my credit report. These accounts and the inquiry were added without my knowledge or consent, and I am requesting immediate action to address them. 

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 I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent accounts and the unauthorized inquiry to restore the accuracy of 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 2024-09-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I had deposited a cashiers check at the Citi bank atm for about {$4500.00} for a family member that closed their account with XXXX bank and just wanted the cash so she can pay her bills XX/XX/year>2024. I was able to withdraw the money and XXXX, deposit and withdraw money in and out for 2 months. I had access to my account no problem. I did not receive no phone calls or emails nor letters within the mail from Citi bank about any fraud alerts. Up until recently XX/XX/XXXX my cards chip wasnt working only sometimes so I decided to get a new card at the closest Citibank branch near me. They were able to order me a new card and I was still allowed to access my account and make withdrawals and deposits. XX/XX/year>2024 I had went back to the same branch to see if I could receive a temporary card because I had no way to pay my bills. This is when I was told my account was flagged and undergoing an investigation for fraud because I deposited a check that was over {$2500.00} and didnt deposit it at the teller, I had no idea of this. They had previously sent me a letter regarding this, though I never received one. I am now being told I have to wait 30-60 days to receive the money that is owed to me in my account after their investigation even though my life savings are in there. I am a XXXX year old woman who has been on her own since XXXX years old. Ive worked very hard for everything Ive saved up. I am also a XXXX XXXX who supports their self and I have no access to my money to pay my bills which leads me to turn to friends and family members for loans that I have no way of paying back until 30-60 days.

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 2024-09-21 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:
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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hard inquiry I don't recognize. 
CAPITAL ONE Inquiry : XXXX XXXX, 2024 CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX, VA XXXX ( XXXX ) XXXX Hard inquiry I don't recognize CAPITAL ONE BANK USA XXXX XXXX XXXX. XXXX, 2024 CAPITAL ONE BANK USA XXXX Capital One XXXX XXXX, VA XXXX Alert Type : Inquiry - New Inquiry Found On : XX/XX/year> Inquiry Date XX/XX/year> XXXX CARDS XXXX Phone ( XXXX ) XXXX Business XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I contacted the comenity bank about the interest charges and fees despite paying in full. I also submit vast amount of evidence requested for my claim on a dispute and they never responded nor sent a letter requesting for more evidence. Customer service assured id also get benefits and statement credit upon approval and months later never received anything. Very deceptive practices and even having no way of receiving any notifications or notice of changes. The supervisor i spoke to said they dont know and nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The credit bureaus are all reporting different inaccurate information that is hurting my credit report. There are several companies that are reporting a profit and loss write off but still reporting a balance. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. 
On all the accounts listed there are several things inaccurate : Last activity date, Charged off with a balance and the payment history is wrong showing I have a new charge off versus the correct date he accounts were charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The credit bureaus are all reporting different inaccurate information that is hurting my credit report. There are several companies that are reporting a profit and loss write off but still reporting a balance. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. 
On all the accounts listed there are several things inaccurate : Last activity date, Charged off with a balance and the payment history is wrong showing I have a new charge off versus the correct date he accounts were 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 2024-09-21 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: MD

Complaint narrative:
( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Loans account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an secured Loan at XXXX XXXX XXXX XXXX XXXXXXXX opened at at on XX/XX/XXXX Account number ( XXXX ) an secured loan Opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an credit card Opened at XXXX on XX/XX/XXXX Account number ( XXXX ). An revolving account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ). An Collection Opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an installment account opened at XXXX XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief