vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: CO

Complaint narrative:
XXXX is reporting that I have {$360000.00} to Experian. I called XXXX and they confirmed I have no loans with them. My loans being serviced by XXXX. My credit report now shows double my actual student loan balance.

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 2024-02-01 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: FL

Complaint narrative:
In XXXX XXXX specifically between XX/XX/XXXX and XX/XX/XXXX, I submitted identification documents to TransUnion via USPS mail and the Consumer Financial Protection Agency. Specifically, I submitted a copy of my social security card, drivers license, birth certificate and bank statement in order to correct my name, last 4 of SSN, address and to dispute the validity of accounts. 

However, I received a post card dated XXXX  advising the documents I submitted were illegible, unacceptable because the bank statement was too old and not acceptable as proof of identity. Therefore, I mailed an updated bank statement dated between XX/XX/XXXX and mid XX/XX/XXXX. 

On XX/XX/XXXX I contacted TransUnion consumer dispute department by phone at XXXX for an update regarding my request. I was advised by the representative that my file was a mixed file and it would have to be forwarded to the maintenance department. Specifically, there were at least 3 individuals with my exact name, the social indicated on the report was confirmed invalid upon review of my social security card. Unfortunately, due to the holiday, the maintenance department was unavailable and that the representative would notate my account and someone would contact me via phone or mail. 

As of today, XX/XX/XXXX I contacted TransUnion again at XXXX for an update and I was advised that they would have to forward the file to maintenance because none of the information has been corrected. Therefore, I was advised to contact TransUnion in 5 business days for an update. The representative also advised that my account is notated to confirm the issue. 

I have submitted all requested information via mail and online and yet, all of my information is still incorrect. I have also reached out to listed creditors who have been unable to validate and verify my personal information linked to the said accounts. However, I will deal with those disputes individually after my information is corrected. 

To validate my complaint I have attached several documents, including complaint correspondence and my most recent dispute results alongside 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 explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
Hello, I applied for a Truist Checking Account in XX/XX/XXXX. I was targeted for a promotion for {$300.00} usd for new customer. I followed all instructions, setup my direct deposit and everything. I never got my {$300.00} deposited in my account? I am very upset with this. Very misleading promotion. Promo code applied : 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 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AR

Complaint narrative:
After entering the wrong password, my online account was locked out. I was told they would not do anything for 48 hours. This is unacceptable and punishes the customer. Especially when you are trying to move your bills from one bank to another.

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 2024-02-02 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: CA

Complaint narrative:
There are student Loans on my report that are not 100 % accurate. These are continuing to report on my credit report in violation of the FCRA. I am being ignore as a consumer and now my report keeps showing this false information.

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 2024-02-01 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: NY

Complaint narrative:
I submitted a complaint about the communication to XXXX XXXX about reporting transaction history in violation of 16 CFR 313. They are also stating that I can not opt out of a unilateral contract that was only signed by one party which is me, which is also a violation of 16 CFR 313. I also understand they have my securities which was the application I submitted and that they are committing securities fraud according to the SEC Act 1934 which will be taken up in federal court if this isn't all rectified. I have also sent written instructions to their indenture trustee which is THE XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX. 

I also understand that the debt has already been discharged using either a 1099a or 1099c filed with the IRS. So either way there is fraud being committed.

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 2024-02-01 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: NY

Complaint narrative:
I submitted a complaint about the communication to XXXX XXXX about reporting transaction history in violation of 16 CFR 313. They are also stating that I can not opt out of a unilateral contract that was only signed by one party which is me, which is also a violation of 16 CFR 313. I also understand they have my securities which was the application I submitted and that they are committing securities fraud according to the SEC Act 1934 which will be taken up in federal court if this isn't all rectified. I have also sent written instructions to their indenture trustee which is THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX. 

I also understand that the debt has already been discharged using either a 1099a or 1099c filed with the IRS. So either way there is fraud being committed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I have stuff that Im attaching I have sent this to the debt collector already no response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I ordered a Product online, in the delivery instructions I put " I have a gated property call me to open the gate do not leave on street. Those instructions were not followed and they left the product on a busy main street and the product was stolen. Ive filled a police report and sent it to them but they are not removing the charge from my account. It was {$1900.00} basketball court that was just left on the busy street side walk outside of my property line and gate and I was never notified that the item was delivered.

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 2024-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I took out a 35 % annual loan with One Main Financial to help my son out of a jam. If I'm not mistaken, it was in the summer XXXX. 

The loan was refinanced from payments going from mid XXXX to where it currently is at {$430.00} a month. 

I've kept my payments ON TIME for 36 months straight!!! ( see attached payment list ) I encountered a setback in XX/XX/XXXX when my car went in for major repairs. 

I called and explained everything to " XXXX '' ; the office manager at XXXX XXXX XXXX. 
XXXX, Illinois XXXX ( XXXX ) XXXX I gave her a projected timeline where i can get back on tract payment-wise. 
( see attached text message for conformation. ) Nevertheless ... ... ... this manager proceeded to call my number repeatedly SEVERAL TIMES EACH DAY!!!!! From XXXX til today XX/XX/XXXX... she has 40 calls logged on my call list!!! ( see attached call list ) I refuse to do any business with this office!!! 

This is a concentrated effort to harass me! 
There is no reason for this outrageous behavior! 

I am always on time with my PAYMENTS! 

I expected to receive a cordial understanding after looking at my pay records. 

And furthermore, if my payments began in XXXX ; notice the list of payments began in XXXX! Not to mention the " creative bookeeping in the interest column ''. 
( see attached pay listing ) It would seem ... .. this loan would be payed off by now? 

I would appreciate your help in bringing justice to this office unrelenting brutal harassment tactics!!! The office manager thinks she is ABOVE THE LAW!

In conclusion, my phone is also my business phone so my clients can see these calls coming in hour after hour!! 

i have suffered lack of sleep, eating, and bowel irregularities for the last month dealing with the stress she has inflicted. 

I will also be contacting the main office for ONE MAIN FINANCIAL in XXXX, Indiana where XXXX XXXX is CEO. 

I'm sure he may not be aware that one of his XXXX branches behaves this way. 
... ..after all ... ... SHES A MANAGER! ..... someone has to control this woman 's antics. 


thank you in advance CFPB for your prompt assistance with this. I'm currently 2 payments behind at XXXX each plus late fees. 
of course, I fully intend to make some arrangements to catch up and pay this loan off honorably as I always do. 

but ..... I no longer want to work from this office!... 

I normally pay online anyway ... ..and ... hope they can find the error in payments made so far? ... .Something seems real off there. 

thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
this is only reporting on XXXX and not other reports. I didn't owe them any money this account was paid in full and shouldn't in collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: SC

Complaint narrative:
I received a call from EdFinancial about a debt they say was obtained in 2014 at XXXX XXXX. I explained to them that I did not attend XXXX in 2014 and that I did attend for a semester way before 2014 and I did not apply for a loan and I never received anything since attending there that I owed them. So the lady I spoke to said that she would send the fraud forms but instead I received XXXX 60 day past due notices. I called them today XXXX and asked them where are the fraud papers they said that it would take 43 days. I said by the time I receive them I will be in default for a debt that isn't mine and that I am not paying. I think they have deceived me into paying instead of allowing me to dispute it. My other loans are under the Borrowers Defense application so why is this one not. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX was reviewing my monthly bill from Home Depot and noticed transactions I did not make or authorized. I had a card in my possession. According to Home Depot investigation the orders were placed online and picked at the store. So far, Home Depot did not provide any information of what the location of the store or any receipts of these unauthorized purchases. At that time my balance on the card was close to max of {$5000.00} so this XXXX was put over my credit limit without any authorization also. Home Depot released goods without any ID verification as I never lost my California DL. I consider that Home Depot Citi/Card failed to protect my rights as a consumer since they are refusing to remove dept from my balance and increased credit debt over the allowed limit without any request. I did what I could to protect myself by filing the police report, fraud report with FTC, and requesting to conduct two separate investigations by Citi Bank. Last investigation was completed by Security Operations on XXXX with the same outcome. Right now, the interest and fees are piling up on my account. Please help to resolve the issue as it is hard to fight against such big company like Home Depot/Citi Card .

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 2024-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
My name is XXXX XXXX and I have an auto insurance policy ( XXXX ) with USAA. 
On XX/XX/XXXXXXXX  I filed a vandalism claim ( XXXX ) and XXXX XXXX XXXX XXXX supplied the photos regarding damage and entire car paint job, and by XXXXXXXX XXXX a check was issued, but never received after ( 2 ) weeks had past. 
On XXXX another check issued via XXXXXXXX, but never received nor a slip from XXXX, in which the owner from XXXX XXXX has been waiting over ( XXXX ) more weeks, in which the adjuster, XXXX did nothing to track the XXXX  check. 
On XX/XX/XXXX another check was issued and on XX/XX/XXXXXXXX  I received email stating check cancelled due to one of three choices 1 ) check issues in error 2 ) contained an error 3 ) request to be issued payment to another payee. 
On XX/XX/XXXXXXXX XXXX XXXX issued another check to me via XXXX. This has been going on for over ( 1 ) month. These so called issued checks that never reaches it's destination is getting old. 
On XX/XX/XXXX I contacted USAA and I was told the XXXX package was delivered on XX/XX/XXXX at XXXX and signed by a XXXX XXXX 
Security at this location XXXX XXXX XXXX XXXX, New York XXXX stated that there is no security by the name of XXXX working here. 
The repair shop is not happy, I lost ( 1 ) month payment for car parking without a car to park, and created inconveniences and bad relationship with the repair shop. 
USAA should be held accountable for their ghost checks that has never been received to date. ( Amt. {$10000.00} ) I read that USAA had settled to pay 15 mil to US CFPB for unfair business practices, etc. 
ACTION REQUESTED : To have USSA pay the amount due for repairs and paint job to me or XXXX XXXX. 
I paid USAA ( 6 ) months payment on XX/XX/XXXX, thereafter automatic monthly payments. My payments are spot on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I purchased my car through XXXX. The vehicle was financed through them via Bridgecrest / XXXXXXXX XXXX 

I was able to pay off the loan this month. I generated a payoff quote amount of about {$5000.00}. I submitted payment through the Bridgecrest site as I did with all my payments. 10, then 15, then 20 days go by, and about 7 calls to Bridecrest. The money was never deducted or presented to my bank ( XXXX ) for payment. I have proof of this. 

They say they have closed my account. They will do nothing to help me and keep giving me the runaround. I call and ask to speak to a manager and am told to wait on hold. They disconnect me every time. I have called maybe 8 times and spent at least 7 hours on the phone with them. 

Today, I XXXX this XXXX and XXXX to find that this is a scheme/tactic that Brdigecrest engages in on a regular basis to extort more money from you. Apparently, the next thing they do is file a lien against you and charge you more money. 

All I want to do is pay off my loan on the agreed-upon amount. I am getting nowhere. 

I have called customer service, XXXX, and as well as their corporate office. XXXX response. 

I want to pay off the loan today and be free of them and make sure other people know what they do. 

Thank you.

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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I disputed an account on my credit report that does not belong to me. Transunion denied my dispute. I then requested Transunion provide me with proof of verification of the debt, namely, my wet ink signature as well as any and all information Transunion used to attempt to verify the debt. I have not received any of the information I requested, and Transunion is continuing to furnish an account on my credit report that unequivocally does not belong to me.

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 2024-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridge IT, Inc.
State: GA

Complaint narrative:
I am writing to express my extreme dissatisfaction with Brigit 's Credit Builder loan service and the significant negative impact it has had on my credit score.

**Account Closure Request Ignored : ** In XX/XX/2023, I explicitly requested through email and via website request to close my Brigit Credit Builder account. Despite this clear request, Brigit continued to debit payments from my account for several months beyond my request. I requested again in XXXX of XXXX  and was told that my request wasn't received but that it would be closed. As of XXXX, I was still being emailed about late payments and penalized.

**Unaddressed Missed Payments and Credit Score Drop : ** Due to this continued unauthorized activity, late payments were reported to credit bureaus, resulting in a **staggering drop of XXXX points** in my credit score. This substantial damage is completely unacceptable and directly contradicts the purpose of building credit through your service. 

**Unsatisfactory Customer Service : ** As if the situation wasn't bad enough, when I contacted Brigit 's customer service to address the issue, I was met with a **rude and dismissive response. ** The representative refused to remove the late payments, claiming they had no record of my account closure request. This lack of empathy and accountability is deeply concerning and adds insult to injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation