vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: CT

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: CT

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This address does not belong to me I have requested that It be removed from my 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 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On XX/XX/XXXX I got a text message from Bank of America saying that they had approved the credit request in my name and they had sent a card over to me in 14 days. I called Bank of America because I did not apply for a card with them. They said that my social security number had been used on XX/XX/XXXX to open a card with XXXX which they said was some kind of XXXX XXXX XXXX. I informed them that the credit card was not applied by me and they said they were going to cancel the card as attempted fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: College Ave Student Loan Servicing, LLC
State: CA

Complaint narrative:
My now-deceased child was the borrower on Loan numbers XXXX and XXXX ( the " Loan '' ). I was the co-signer. 

XXXX was a passenger in a car when she was XXXX on XX/XX/2023. 
The loan was in forbearance at the time of XXXX 's death, the combined balance was {$20000.00} and no payment was due. For this reason, I had no obligation to pay either. 

When I contacted College Ave on XX/XX/2023 to inform them of her death, they offered to discharge the loan, without any payment, provided that I submitted a death certificate. I did so on XX/XX/2023. 

College Avenue reported to credit agencies that I did not pay the loan. They reported Legally paid in full for less than the full balance, '' to credit agencies, resulting in an approximately XXXX point drop in my credit score, even though I had no obligation to pay, and they offered to discharge XXXX 's debt. This is akin to a bankruptcy reporting, and appears to remain on credit reports for 6 years or more. Other creditors reported " Paid, Closed / Never Late '' or Paid Satisfactorily, and those reportings had no negative effect on my credit score. 

On XX/XX/2023, I spoke with the supervisor of College Ave 's credit reporting team. He acknowledged that College Ave had made an error, apologized profusely and promised that there would be a manual fix submitted to my credit so that it would show " paid satisfactorily '' and have no negative effect on my credit score. He said that it would update on the credit reporting agencies in a couple of days. 

College Ave has not corrected its errors and the result has been that my credit score has remained at the lowered level, creditors have reacted negatively by reducing or eliminating credit available and other negative credit results have occurred. 

I have disputed this reporting through the credit agency systems, and College Ave has verified the erroneous reporting. College Ave told the credit agencies that the reporting was accurate. As such, the credit agencies refused to update the credit reports and the damage was compounded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: TX

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  : # XXXX, US DEPT OF EDUCATION : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
My wife and I have XXXX  credit cards through Barclays and for the last 2 months we have sent check payments via USPS 12-15 days before the due date, but yet the didn't post the payments until after the due date, charged us a late fee, and even shut off our cards. After talking with them over the phone and explaining that we had mailed the checks with plenty of time for them to get there before the due date, they took off the late charges, and tried to get us to let them take their payments directly from our bank account. We have never had a late credit card payment before, and our credit score is in the high 700 's, but has come down from XXXX due to Barclays stalling our payments in order to place a late fee on our last 2 payments. 12-15 days in the mail should be plenty of time to get our mail and is plenty of time for all our other credit payments. Barclays is the only one we are having a problem with and it seems to me that they are deliberately delaying our payments in order to do away with paper payments and take money out of our bank account. They also tried to XXXX us out of our reward points from XXXX credit when they were XXXX and switched to Barclays and they were supposed to honor the accrued rewards from XXXX. We had to fight to get the rewards before they would apply them. When XXXX made the switch, Barclays automatically gave us a Travel Rewards card when we were supposed to get the option between that card and the Essential Rewards card which pays rewards for medicine and groceries that was much more useful for us. We had to fight to get our optional card. Not happy at all with the way Barclays is treating us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Sent out a letter to companies asking to verify the debt that they think that i owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery associates XXXX on my credit report. I contacted them to tell them i wanted to pay my credit card off which was {$510.00}. I asked them could it be deleted off my credit report as if it was never there and not just reflect paid in full and they said yes. They sent me a letter stating that if I paid the full balance off they would remove it from my credit report from all three bureau 's. They told me that I had to wait XXXX days from the last payment made, Which I made the last payments on XX/XX/XXXX. Today is XX/XX/XXXX and it is still on my credit report. I have the letter From the email that I will attach. I have called portfolio recovery associates And they stated that they put in the Request for the trade line to be deleted from all three bureau 's. I waited XXXX weeks to see if it would be removed and it is still there.. I contacted experian and they stated that they have not received a request to remove that trade line..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX I traded futures with Crypto.com and their XXXX XXXX. I asked to wire my balance {$400000.00} to my bank. They informed me that I had to prepay 20 % capital gains tax. They would pay the additional 5 %. XX/XX/XXXX I wired {$66000.00}. I was then told to wire {$24000.00} Gas tax ( Refundable ) to remove my money from the XXXX. They said I was suspected of money laundering, and I had to deposit an additional 50 % ( {$200000.00} ). I sent it on XX/XX/XXXX. I was told the bank in XXXX XXXX would wire my money in 15 to 30 days. When I asked if they could speed it up, they offered to go for me for an additional {$30000.00} plus expenses. I balked. They said that I would have to go to XXXX XXXX in person and sign anti laundering documents and then my money would be wired to my bank. They owe me {$620000.00}. 
I have reached out twice since to no avail. 
I am XXXX XXXX XXXX and have never been involved in money laundering. On XX/XX/XXXX, I had a XXXX. Chances are 25 % I could have another one. If you are having a XXXX, you have XXXX hours to get medical attention to reverse the aftereffects. I am not willing to take a 12 hour flight to a country where I can't speak or read the language or chance another XXXX out of the USA. I asked for assistance besides traveling, so far nothing. Please help me. 
Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Veros Credit, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I bought XXXX XXXX XXXX From them everything seemed good until I was about to install a CD player came to find out there was a second layer of Dashboard I started looking further and realized there was a sheet of plastic glued on the Dashboard I took it off and the complete dash was broken I reached out to the sales rep he said we will fix it and then to reach out to service manager. I called him he goes I told the sales manager that do not sell the truck like this no one will like it let me call you back I said OKAY and they never called back I went to the dealership and try to get my truck fixed the manager cursed me out and threaten me. 

XXXX XXXX who financed my car is there XXXX company registered in different state but mailing XXXX XXXX XXXX is XXXX XXXX. I asked the Loan officer who was funding the loan not to do it as i found the mechanical problem but they still went ahead and did it..As this was an inhouse deal so they know what they where doing this is Fraud and Scam with the Consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: MI

Complaint narrative:
I am writing to dispute hard inquiries that appear on my credit report, which I firmly believe are unauthorized and inaccurate. Upon reviewing my credit report, I noticed these unauthorized inquiries : 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 non-monetary relief
Consumer complaint received 2023-12-13 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: IL

Complaint narrative:
I am writing to you again to dispute the accuracy of certain accounts on my credit report. In my previous communication, I raised concerns regarding the inclusion of accounts associated with XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX. I am disappointed to note that these inaccuracies persist on my credit report, and I am compelled to initiate a second round of dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Details of the disputed accounts are as follows : XXXX XXXX Last reported : XX/XX/XXXX Amount : {$56.00} Worst payment status : XXXX days late Last payment : XX/XX/XXXXXXXX XXXX  Payment status : No Info XXXX XXXXXXXX XXXX XXXX Last reported : XX/XX/XXXX Reported balance : {$2100.00} Highest balance : {$2500.00} Worst payment status : XXXX days late Last payment : XX/XX/XXXX Payment status : Current XXXX XXXX Last reported XXXX XX/XX/XXXX Reported balance : {$110.00} Highest balance : {$240.00} Worst payment status : XXXX days late Last payment : XX/XX/XXXX Payment status : Current XXXX XXXX Last reported : XX/XX/XXXX Reported balance : {$720.00} Highest balance : {$720.00} Last payment : XX/XX/XXXX Payment status : Current I dispute the accuracy of these accounts as they are not associated with my financial transactions. The continued reporting of these inaccuracies not only damages my credit standing but also violates my rights under the FCRA. 

As outlined in the FCRA, I request that a thorough reinvestigation be conducted into these disputed accounts, including verification of their legitimacy and accuracy. The FCRA mandates the prompt removal of inaccuracies from my credit report. 

I have attached supporting documentation, including evidence of my non-involvement with these accounts, for your reference during the investigation process. 

Per the FCRA guidelines, I expect written notification of the results of your investigation within the 30-day timeframe. Failure to rectify these inaccuracies within the stipulated time may compel me to pursue legal action to ensure the correction of my credit report. 

I appreciate your immediate attention to this matter. It is my expectation that a fair and comprehensive investigation will be conducted in adherence to the FCRA regulations. 

Thank you for your prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My recent experience with PNC : I've had this credit card with them since XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), have multiple accounts with them and a lot of money in and out of there - business and personal accounts, checking, personal loan, etc. 

They cancelled it without warning - I only found out because it was declined at a store. I had a {$1000.00} limit on the card and a balance of {$0.00}. The credit report indicates it was closed XXXX XXXX XXXX. I called yesterday and was told they couldn't tell me why it was cancelled but it was likely due to inactivity. I last used and paid off the balance in XX/XX/XXXX and have not used it since. It's currently XX/XX/XXXX and I haven't received a letter. I've made multiple calls, my complaint was sent to escalation ( with a 24-48 call-back guaranteed ) on XX/XX/XXXX and was called back within hours saying they would not reopen the account. 

There is no record of a document being provided to me in my account history and now I have no access to past statements to verify their records are correct.

Company response to consumer: Closed with explanation