vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: VA

Complaint narrative:
On XX/XX/24 I called ADP Wisely to dispute 4 charges that I didn't know where from. On XX/XX/24 they closed the case an said today they sent a letter that I never received. They will not tell me why. Just that they found it not to be in my favor an I can resend a complaint to open the dispute again via a XXXX XXXX when I get a letter. Now they will not help. I have transaction photo of the fraud. 
They don't care an I'm out $ XXXX. I need help. It will cost me {$1000.00} or more for a lawyer & may never get my {$200.00} back. I will never use them again & will let everyone know not to use this fraud friendly company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX and noticed somethings are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.

Online disputing : Equifax Dispute : According to XXXX XXXX XXXX XXXX, Equifax is supposed to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: GA

Complaint narrative:
I have contacted XXXX and LCI on numerous occasions over the 4 months regarding public records that are not mine. Each time, they claim that they researched public records and verified it as accurate. I informed them that the XXXX XXXX of Georgia verified with me that they could not verified any public records in my name or SSN. And XXXX has refused to remove from my credit report. Under the FCRA act, LCI is a part of XXXX and is in violation my rights as a consumer. I want them to freeze access to my public records. In violations of my rights.

According to 15 USC 1681s-2, 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 2024-05-24 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: IL

Complaint narrative:
Dear Consumer Reporting Agency, I am writing to request that you update my personal information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the privacy rights of consumers. 

I hereby request that all personally identifiable information be deleted from my credit report, except for the information regarding XXXX XXXX. Specifically, I request that the following information be deleted : All addresses, except for my current address : XXXX XXXX XXXX XXXX XXXX XXXX, as I can not receive mail or any correspondence at any other address. 
All phone numbers, except for my current phone number : XXXX. 
My social security number and date of birth, for privacy reasons. 
Additionally, please delete all information in the employer section, except for my current job at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As a federally protected consumer, I have a right to privacy and expect that my rights under the Fair Credit Reporting Act be respected. Failure to grant my request would be in direct violation of 15 USC 1681 and its subsections.

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 2024-05-24 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: IL

Complaint narrative:
Dear Consumer Reporting Agency, I am writing to request that you update my personal information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the privacy rights of consumers. 

I hereby request that all personally identifiable information be deleted from my credit report, except for the information regarding XXXX XXXX. Specifically, I request that the following information be deleted : All addresses, except for my current address : XXXX XXXX XXXX XXXX XXXX XXXX, as I can not receive mail or any correspondence at any other address. 
All phone numbers, except for my current phone number : XXXX. 
My social security number and date of birth, for privacy reasons. 
Additionally, please delete all information in the employer section, except for my current job at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As a federally protected consumer, I have a right to privacy and expect that my rights under the Fair Credit Reporting Act be respected. Failure to grant my request would be in direct violation of 15 USC 1681 and its subsections.

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 2024-05-24 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: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be 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 2024-05-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I had a CD invested with Truist that hit maturity on Saturday, XX/XX/24. Truist does not allow an individual to opt out of the auto-renew setting for CDs. I had requested this option when I first invested the funds, which is provided to Truist business accounts, but was notified that it is not possible to opt out of auto-renewal for CDs. I received a notice dated XX/XX/24 in the mail prior to the maturity date that confirmed the maturity date and listed a phone number to call for assistance. On Monday, XX/XX/24, the first business day following the maturity date, I logged into my account and noticed the renewal rate for the CD was 0.01 %. A rate that is well below the market rate for CDs and is lower than most savings accounts. I was unsuccessful in finding a way to select a different interest rate option or a way to close the CD and pull the funds back into my Truist checking account. Therefore, I called the number for Truist listed on the notice I had received and requested to have my money pulled out of the CD since it was the 2nd day of the 10-calendar day grace period. The customer service representative tried to help me, but informed me that Truist 's policy did not allow her, the customer service rep at the line listed for providing assistance with CDs, to close the account and transfer the money to my Truist checking account. She informed me the only way for me to close the CD account was to go to a bank location during the grace period. I asked if there was a way for me to be transferred to someone else who has the authorization to close the account over the phone as it would be very difficult for me to get into a Truist bank within the remaining days in the grace period and she informed me that it wasn't possible and that I could only close a CD by going to a bank location.

I had to request to leave work early to go into my local bank location that same day after the call ( Monday, XX/XX/24 ) to request to close the CD and transfer the funds back to my Truist checking account. When I made this request, the banker tried to sell me on a promotional CD at a higher rate, which was not made available earlier to my final request to close the account. I declined and informed him to close the CD.

Truist 's policy on CDs disadvantages individuals and seems to be an attempt to lock up funds in auto-renewing, extremely low interest CDs. Truist 's policies to not allow opting out of auto-renewal when investing in a CD and preventing an individual from closing a CD account during the grace period without physically going into a bank location are predatory practices.

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 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXXXXXX XXXX I filed a bankruptcy with one entity on the application It was made clear on the application that any entity not listed on the application would not be a part of the application. Thus it would be necessary to pay all other creditors not listed, I tried to pay my account with JP Morgan Chase ending in XXXX. Only to be told that they are refusing payment because of the application, that the account was being Charged Off and I didn't have to pay and they refused to accept payment for the account that was XXXX percent on time and not in arrears. I tried repeatedly to find someone to accept payment but was turned down, they then closed the account, falsely reporting it to credit bureaus as deliquescent which is not true. There was as NO reason to close the account, because I offered to pay outside of the application. This false reporting has caused plenty of damage. All conversations with them are recorded and I wish a correction to all credit bureaus asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On TransUnion the date last active is ( XX/XX/XXXX ) and on XXXX its ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX ; Account Number 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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CAPITAL ONE XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. Please see attached file for these items I am complaining. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My account is pending closure which is fine, i have absolutely no access to my funds I am 3 months lregnant to no cash access and citibank is withholding my funds up to 60 days i have no money to live off of and they di not seem to care about this issue i needs funds to be release

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 2024-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of credit reporting by your agency regarding Account Number XXXX, as per the records of XXXX. I emailed several times and called and have received no assistance. According to the information provided to me, Hunter Warfield XXXX Inc. has reported this account as being in collections. This claim is surprising and concerning, as I have no knowledge of this debt, nor have I received any prior communication from your company concerning such an obligation. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the original contract bearing my wet signature as proof of my consent to the alleged debt. This is to verify that the debt is indeed mine and that your records are accurate. Please mail this documentation to the following address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Furthermore, pursuant to the Fair Credit Reporting Act ( FCRA ), I insist that you cease reporting this account to all credit bureaus until a thorough investigation is completed. It is imperative that my credit report reflects accurate information, and I trust that your company will take immediate action to rectify any errors in your reporting practices. 

Should this dispute not be resolved promptly, I reserve the right to seek legal counsel to ensure the protection of my rights under federal laws including the FDCPA and FCRA. 

Please acknowledge receipt of this letter and inform me of the steps you are taking to investigate and resolve this dispute. I expect all communications to be in writing and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation