vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a to responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

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 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I have been US Bank customer for more than 15 years. They abruptly made my online and mobile app inaccessible. They closed the account without giving me any notice. When I called them to re-establish access to my account, they transferred me to three different departments but did not give me any relevant information. All they said was a letter will be sent with information on the account and a cashier 's check for the remaining balance. I have a sizeable balance and getting a letter and a check in the mail is not the most secure way to handle funds.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
So XXXX  isn't reporting my payment history on my credit report and I paying

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 2024-02-21 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: MD

Complaint narrative:
I had a fraudulent activity on my account dated back since XX/XX/2023. This involves my XXXX XXXX XXXX credit card in which my account was charged {$17000.00}. Immediately I got the charges I alerted XXXX XXXX  and XXXX 's. I went to the police made a report XXXX XXXX XXXX XXXX. I went over to XXXX  on three occasions called a police trying to get a footage of the transactions. They refused to give it to us. I was on the line with XXXX  XXXX and XXXX XXXX  asking why dont they coordinate to resolve this matter. Meanwhile it is still showing on my credit report affecting negative as it is showing I have used 75 % of the total on the card. XXXX XXXX  refused to give a letter to remove it off my credit.

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Number of fraudulent chardes on my account that banks either has not credit me for or provide status on fraud claim.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with LVNV FUNDING LLC they did not provide me with the original contract as i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
I am on the XXXX plan. Aidvantage has my loan terms set to 10 years instead of 20 years. This is doubling my monthly payment. I emailed them through their help center asking for an explanation and how to get my terms set to 20 years. I did receive a response but it did not address the questions. The response just told me the monthly payment and due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX has failed to comply with my request to present some proof that I am the person liable for the items being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of Identity theft. However, I have never received any documentation to prove that their investigation is correct. FTC complaint is being attached to prove that I had made some necessary actions considering my rights. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

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 2024-02-22 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: CA

Complaint narrative:
I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

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 2024-02-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with 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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was charged {$95.00} for my annual membership fee on my XXXX XXXX XXXX card, but I also have a XXXX XXXX card. I'm supposed to receive a {$50.00} credit against my annual membership as I enrolled for the benefit, but I have not received it. I continue to have this problem every year with American Express and they never give me the {$50.00} credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that this payment was paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm upset because it's on my credit report, even though it's not mine. I strongly urge the company to remove it promptly.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I called Transunion and XXXX to dispute several unverified, fraudulent inquiries from my consumer Report they told me I had to file a Ftc report and I have to send it in the mail to them before they can do anything. I will attach a copy of the information I asked them to remove. 
Name Requested On XXXXXXXX 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 XXXXXX/XX/XXXX I want this information 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 non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit Bureau Dispute, Verification Procedure Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear Experian, Re : Account Name and Number RE : Formal Request for Verification Procedures FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] To Whom It May Concern : I received notice that you verified certain tradelines on my credit report from the following companies : XXXX XXXX & XXXX Account number XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this tradeline be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 

Supply your response within 15 days or delete the tradelines. 

Thank you for your time, 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
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to 605B, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Hi, I continue to have difficulty with returns made from PayPal Credit purchases. They are always intercepted by PayPal, applied as a balance and the original purchase remains on my PayPal credit account. This time its even worse. When the {$770.00} was returned to me I was assessed a fee of {$23.00}. This has been going on for years, but now with the fee as the new twist. 

The original purchase was XXXX XX/XX/XXXX and the refund date was XXXX XX/XX/XXXX. 

The item was returned and a refund issued due to fitment issues. I contacted the vendor and asked them to look into the refund method since the refund was not applied to the original purchase method. They stated its the standard procedure they always use for refunds. 

Given my extremely terrible past experiences dealing with issues that cross between PayPal and PayPal Credit, I have zero confidence that the regular customer service will be of any help and they will bounce me back and forth until Im angry, exhausted and having invested way too much time spent on the phone with no resolution at the end.

I think its unfair that I keep having to deal with these problems between PayPal and PayPal Credit and the absence of any streamlined practices to address these problems when they arise. Plus now theyre trying to in essence steal money from me.

Any help getting this issue the proper attention would be greatly appreciated and hopefully a solution for all the other customers experiencing this problem is discovered. I imagine Im not the only one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TFC Credit Corporation of California
State: CA

Complaint narrative:
I contacted TFC back in XXXX  sometime and was struggling to pay because of the pandemic. I called the company and they said i need to contact the school in order to have my payments and they said they were going to contact TFC and ive heard nothing since then. Ive called in XXXX  early and late in the year and did the same thing to me. They just gave up on me. I have never been able to recover from it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I've tried multiple times to make a payment towards my loans but each time I receive an email saying : " Payment Has Been Reversed From Account : Please be advised your financial institution returned your payment effective XX/XX/year>, in the amount of $ {$200.00}. 
The payment has been reversed from your account for the following reason and your account may now be delinquent : NO ACCOUNT / UNABLE TO LOCATE '' I have reached out to XXXX Bank, who doesn't see any issues with my account. I have been approved for Mohela 's Auto Debt and inputted my account information - I copied the routing number and account number DIRECTLY from XXXX, it is correct. 

I have a scheduled payment coming out XX/XX/year> but am afraid it's going to be " reversed '' again. 

Tried calling Mohela, got a " trainee '' who couldn't help, and transferred me to a " mentor '' I waited an hour on hold but had to get back to work. 

Because the payments are being " reversed '' I'm receiving late fees/interest payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation