vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 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: MI

Complaint narrative:
Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account Name : 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 explanation
Consumer complaint received 2024-06-30 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: MI

Complaint narrative:
Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account XXXX : XXXX Account 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 2024-06-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: UT

Complaint narrative:
I have been contracted with Beyond Finance ( statement says fees paid to XXXX ) since about XXXX XXXX  to settle my debts of about $ XXXX. I have paid $ XXXX They have only settled XXXX credit card for a small amount of about {$600.00} and paid {$700.00} on another card with a remaining balance of {$2800.00}. ( Only $ XXXX ) and charging almost $ XXXX to Avant ON TOP of the Byond Finance settlement fees.

This seems like a lot of money to pay them with very little resolution to my debts. When I have tried to talk with them, it sounds like they say I am not paying enough to settle my debts, but the amounts withdrawn for fees is a lot!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: MIDFIRST BANK
State: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-06-30 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: MI

Complaint narrative:
Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account XXXX : XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: MI

Complaint narrative:
Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account XXXX : XXXX Account 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 2024-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: MI

Complaint narrative:
Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: MI

Complaint narrative:
Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: MI

Complaint narrative:
Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account Name : 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 explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent money to XXXX XXXX in XXXX through SENDWAVE. I received email from them that the money will be transferred to the recipient as soon as possible. After XXXX minutes I called them to ask about the delay and they told me they are experiencing technical problems. I requested to cancel the transaction. 
After XXXX hours the transaction was not cancelled. I called them and gave them XXXX hours from the time I did the transaction but they refused. After XXXX hours the transaction was not cancelled. I called again. 3 days after, the money was taken from my account yet the recipient has not received the money till date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I filed for a loan discharge due to school misconduct after filing a complaint with Navient before against The XXXX XXXX in which Navient provided me with a school misconduct application in connection with documentation provided following the The XXXX XXXX XXXX XXXX XXXX Department ) found that The XXXX XXXX and its parent company, XXXX XXXX XXXX ( XXXX ), made pervasive and substantial misrepresentations to prospective students about post graduation employment rates, salaries, and career services during that time. That application was submitted XX/XX/XXXX with all information regarding the case for the school misconduct was included in my application. On XX/XX/XXXX I received that my application was denied with no detailed explanation. I sent an email requesting an explanation for why my application was denied on XX/XX/XXXX and have heard nothing back in a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: MI

Complaint narrative:
Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account Name : 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 2024-06-30 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: MI

Complaint narrative:
Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: MI

Complaint narrative:
Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account Name : 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 explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: GA

Complaint narrative:
Self Financial closed my account last year due to payment returned. Since then they have still been reporting to my credit report as late payments messing up my credit score. I explained that if my account is closed then they shouldnt be still reporting every month about late payments. It has affected my credit score and is hindering me when applying for anything because its showing as late instead of closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Always pays my account in an situation but this company don't know that happen with my person whe they close my account without explication, i filling racism and discrimination over my person got excelent pay years old with they and they take decision of close to me. I need remove all to me credit rigth now because that cause poorto me reputation when they take decision of threat and racism, discrimination because I'm 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 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My Aunt which has be living with us passed away on XX/XX/year> and was the account owner I was on the checking account so I when to bank to closed I was told to submit a form and death certificate which I did and and have it notarized. 
I been checking to see if account was closed every month and was told if could take 3 to 6 to close? 
They been charging a service fee for the last four months. 
No spouse or children 's. 
We are they only family. 
The bank is Bank of America XXXX XXXX NJ 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 monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX, XXXX sold my sensitive non-public information to Portfolio Recovery Associates , LLC without my consent or knowledge. Since that day, PRA, LLC has been falsely reporting to the major credit bureaus that I owe their company an amount of debt of {$380.00}. Which is not true. PRA, LLC secretively bought my non-public sensitive information and started a new contract with my information stating i have done business with them that the {$380.00} is a debt i owe to them directly. I have never agreed to have my personal information sold to PRA, LLC, I was never giving the option of opted out of having my non-public information sold. My consumer rights have been violated for the past XXXX years, i have reached out to PRA, LLC multiple times in the past to stop the false claims that i have done business without or to show me proof of a contractual agreement with my signature of consent. PRA, LLC has failed to provide me with the simple yet vital information and has only sent automated letters that has not addressed my concerns at all. As of XX/XX/2024 on the letters from PRA, LLC, stat that PRA, LLC is NOT attempting to collect a debt however they are still reporting that a debt is due to them to the major credit bureaus which has been hindering my life and abilities for have a decent livelihood with decline credit increases, loan rejections and lowering my overall credit score to be eligible to move into a safer neighborhood.. I say all of this to say, i am requesting Portfolio Recovery Associates , llc to immediately delete my information from their database and delete the trade line of debt collection that is falsely being reported to the credit bureaus ' so i can try to recovery from the damages that Portfolio Recovery has caused since buying my non-public information without my consent, for a debt they are not even trying to collect anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15usc1681 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of furnishers of information to provide accurate information. 


XXXX XXXX {$290.00} XXXX Status Closed Credit Limit {$0.00} High Balance {$290.00} Payment Amount {$0.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late 30 : 0 | 60 : 0 | 90 : 0 Payment Status Charged off as bad debt Past Due {$0.00} XXXXXXXX XXXX  {$560.00} Account # XXXX Status Original Creditor XXXX XXXX XXXX XXXX XXXX  Creditor Type Collection services High Balance {$560.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXXXXXX XXXX XXXX {$230.00} Account # XXXX Status Original Creditor XXXX XXXX Creditor Type Collection services High Balance {$230.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: MI

Complaint narrative:
Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account Name : 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 explanation
Consumer complaint received 2024-06-30 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: LEXISNEXIS
State: NC

Complaint narrative:
I have been a victim of identity theft. Lexis Nexis is reporting a bankruptcy on my credit that does not belong to me. I have disputed the item with Lexis and filed various complaints. Lexis has hired XXXXXXXX XXXX XXXXXXXX to represent them in this matter. XXXX lawyer sent me a copy of what XXXX is showing ( see attached ) and has represented to me that the XXXX report is the original data supplied to Lexis. There are major issues that need to be resolved. In addition, attached is a screenshot of what information is being reported by each bureau based on the information provided by Lexis. ( see attached ) 1. Look at the XXXX  document, the full social security number is not listed, Thus how can this item be attributed to me without a full social security number. 
XXXX. Look at the XXXX document and under status it is blank. However under the XXXX bureaus the status is filed. Which is it? We will never know because it was not properly verified, if it was it would report the same across the board. 
XXXX. The XXXX  document, XXXX and XXXX report the date of filing as XX/XX/year>. However, XXXX shows the filing date as XX/XX/year>. Which is it? We will never know because it was not properly verified, if it was it would report the same across the board. 
XXXX. XXXX and the XXXX document shows the XXXX XXXX XXXX XXXX XXXX  for the XXXX XXXXXXXX XXXX XXXX XXXX However, XXXX shows the Court as Federal and XXXX shows the court as XXXXXXXX XXXX XXXXXXXX. Which is it? We will never know because it was not properly verified, if it was it would report the same across the board. 
XXXX. Under reference/case number the XXXX  document shows XXXX, XXXX shows XXXX, XXXX shows XXXX and XXXX shows XXXX. Which is it? We will never know because it was not properly verified, if it was it would report the same across the board.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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 cunsumer 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.

Company response to consumer: Closed with non-monetary relief