vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I applied for a rental property ( XXXX ) through XXXX. On XX/XX/XXXX, I received a letter from XXXX & EXPERIAN RENT BUREAU stating, I was denied due to SEVERE charge-offs and MINOR late payments. I requested a copy of my report from XXXX and found that I only have XXXX charge-offs and didn't know how this was so SEVERE, a consumer can't rent a property. It seems like these company are OVER exaggerating the items on consumers reports leading to denials and damage. After Further examination of the report, I found they have more inaccurate information on the report leading to the property management questioning my credibility and credit worthiness for renting a property. For my Personal information, they have the address of an apartment I don't live at as my current address. For the lease term of that apartment complex, they have me living there, Begin : XX/XX/XXXX, End : XX/XX/XXXX ( I did not ). For the payment history it shows I ONLY paid XXXX months of rent, but my lease ended XXXX XXXX? This stuff is not alone inaccurate but doesn't even make sense ( UNETHICAL ). I do not have any collection on my credit reports for rental properties but on my tenant report a collection is on there with a XXXX-balance showing I OWE NOTHNG. This is further damaging to consumers reports. 

XXXX XXXX XXXX XXXX also stated " Our office has requested that this item be removed from your credit by sending an electronic Universal Data Form to the credit bureaus. ''

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 2023-12-19 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: LA

Complaint narrative:
On XX/XX/XXXX I did an instant transfer from my Venmo account to my bank account. The transfer was never put into my account. The amount of the transfer was {$110.00}. I contacted Venmo by phone several times and they gave me several transaction ids. I contacted my bank multiple times to give them the codes. XXXX accounting specialists at the bank searched for the funds and they were never received by my bank. I then emailed Venmo several times and they said there was nothing else they could do. Then the last XXXX emails I didnt get any response. I am out the {$110.00} during the XXXX holidays. This has put me behind and caused other issues with my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2023-12-19 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: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Payments are being reversed every month and interest is being charged on the full balance. 
XX/XX/2023 : {$300.00} paid and reversed XX/XX/2023 : {$220.00} paid and reversed XX/XX/2023 : {$500.00} paid and reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was offering tennis lessons and was sent a fraudulent check from a scammer claiming to to want to take lessons for his kids. He then sent me a fake check of XXXX digitally through email which I deposited to my Wells Fargo Debit account. He then said he needed to send money to his driver to take his kids to the tennis lessons. I then sent XXXX to the driver to supposedly pay for the tennis lessons. After a few days the money from the original check was withdrawn by Wells Fargo and I was left with a loss of XXXX. I called Wells Fargo and they said that they are not responsible for depositing fake money into my account. Even if I ended up sending money it was because they deposited fake money into my account.

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 2023-12-19 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: NC

Complaint narrative:
I am a victim of identity theft and I have notice some unauthorized accounts and inquiries on my credit file that I demand to be blocked and removed immediately. I am providing all requests supporting documents to support my claim. 
TRANSUNION : : XXXX XXXX ; {$1700.00} XXXX ; ( XXXX ) XXXX XXXX ; ( {$160.00} ), ( XXXX ) XXXX XXXX ( {$200.00} ) XXXX XXXX ) XXXX XXXX ( {$19000.00} ) ; ( XXXX ) XXXX  XXXX ( {$13000.00} ) ; ( XXXX ) INQUIRES : 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 non-monetary relief
Consumer complaint received 2023-12-19 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 2023-12-19 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
The company store I originally applied for the loan with has XXXX XXXX, Ga at Titlebucks. Theyve switch several employees consistently. They informed about a rollback payment option that would help me pay my renewal without the risk of getting my vehicle picked up. The new round of employees are now starting that there is no rollback option and that they have no idea what Im talking about. The practices that this company has been doing is absolutely ridiculous. They are stating that I am 55 days late but the corporate office is only stating that I am 31 days late. This is what doesnt make sense. I paid the rollback renewal for XXXX and should be paying XXXX but they are refusing to acknowledge that. Along with charging fees that I was unaware of and making me renew the loan each time I do a renewal payment. I have XXXX kids and this loan has made it harder for my family overtime. Ive paid over XXXX XXXX dollars including the XXXX I paid in XXXX to receive my vehicle back. Pawn fees, etc were never informed to me when originally applying for the loan. The lady pushed a higher loan on me then applied for also. This has been a difficult situation to go through and its making things harder for my family to survive. They also have another loan in my name that I didnt take out that they keep contacting me about. Company has put me in default since my initial complaint and working against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: NC

Complaint narrative:
I am a victim of identity theft and I have notice some unauthorized accounts and inquiries on my credit file that I demand to be blocked and removed immediately. I am providing all requests supporting documents to support my claim. 
TRANSUNION : : 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 non-monetary relief
Consumer complaint received 2023-12-19 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: IL

Complaint narrative:
I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2023-12-19 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: NY

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
I have a title loan with Title Max in XXXX Arizona the branch is on XXXX XXXX and XXXX XXXX. First, they gave me a loan that was 3 times more than the legal interest rate cap of 36 % violating the financial rights of consumers and I did not even realize it until I started paying it off. I have to be late this month with my payment because I had a death in my family, and I had to pay for cremation costs and more. I called down to the branch and spoke with XXXX, he told me there was nothing he could do and that I am in jeopardy of getting my vehicle repossessed. They are doing unlawful activities and not treating their costumers well. I want to make this complaint because they need to give me a grace period and I will make two payments on the XXXX of XXXX to catch up. I have never done business with a company that had no consideration like this and out to burn people for their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: IL

Complaint narrative:
Kindly adjust my credit report and swiftly eliminate the public record currently shown. I've provided the essential documents to back up my request. I appreciate your immediate action on this issue.

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 2023-12-19 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: IL

Complaint narrative:
Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Allegiant visa signature card received an application for pre-approved credit. The property was taken and I got nothing in return. Bank of America has opened an account ( # XXXX ) in my name without my consent and denied credit, which is identity theft, restraint of trade, Misappropriation of funds and unjust enrichment. Furthermore, banks can't use credit reports based on privacy rights. I demand the bank to discharge credits to the United States Treasury for my redemption. 
Interest and money are due to me. Set off discharge dollar per dollar of application preset in honor and good faith.

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 2023-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I opened a new credit card and was never sent a bill. I attempted to call and request the bill before the due date, which was never sent to me, I called the day of the Due date and made a payment through the phone, and they intentionally applied the payment the next business day to pay the late fee after confirming if it would be applied the day of. Currently, they are charging me late bill after another and still refusing to send me a bill statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: PA

Complaint narrative:
I have federal student loans with Edfinancial, and since the Federal Pause was lifted, my monthly payment increased by {$60.00}. When I called in XX/XX/XXXXXXXX  to ask why my payments had increased, the customer service agent told me I was enrolled in an Income Contingent Repayment Plan. I have NEVER signed up for an Incoment Contingent Repayment Plan. I have been on a Standard Repayment Plan since I graduated in XXXX, and it is of NO financial benefit to me to be in any other plan. The customer service rep. even confirmed that it is not beneficial to be on an Income Contingent plan. I asked if she could correct this issue, and she told me that it would take approximately 2 pay cycle to correct because they are behind. She even confirmed this is an error. It has now been two full pay cycles and the error has not been corrected. I have tried numerous times to contact Edfinancial via Email, and by phone for a status update but I can not get through. The emails have not received a reply and customers can not get past the automated phone tree. The phone line asks for your social security number, and then date of birth, and then the menu repeats and asks you to re-enter both SSN and DOB. 


I have escalated this to my Congressional Representative and they shared I am not the only person in their district with this issue, and they shared this is widespread. How is this business allowed to operate with these massive errors?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I've consistently paid on time for this account, and it's disheartening to face issues for something I haven't done. Please rectify my account urgently and remove any incorrect information that's causing me undue stress.

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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX, I applied for a new residence, to my knowledge the company was legit, well it was when I was reaching out for the status updates and they had no knowledge of who I was. So I told them I had proof of it, came to check my account and noticed their was an XXXX XXXX for {$500.00}, I never XXXX paid anything, I was sent a link to pay deposit of {$500.00}, come to realize the link was not a part of the company and I was scammed, I reached out to chase immediately after I seen the pending transaction settled, I called and let them know and they have NOT refunded me my money and closed my case stating it was a money order which is was not. I have no idea how a link sent an XXXX XXXX but i did NOT authorize any XXXX  payments, I would not XXXX XXXX, XXXX XXXX  or XXXX any corporation, it doesnt even make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: PA

Complaint narrative:
I XXXX XXXX currently have some Fruad accounts on my credit reports.

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 2023-12-19 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: TX

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 2023-12-19 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: GA

Complaint narrative:
I sent Equifax Information Services LLC notifications that the payment history on my credit report is being recorded inaccurately on XXXX separate occasions. Equifax can see that the payment history is wrong and therefore needs to delete the account from my file immediately. I have sent Equifax XXXX copies of the report that came directly from their website. They are continuously reporting this account as verified and updated by the data furnisher. I have attached a copy of the credit report from Equifax 's website and it shows that the payment history is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: FL

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts 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 2023-12-19 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:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts 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 explanation
Consumer complaint received 2023-12-19 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