vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: NV

Complaint narrative:
I ended my service after a five year commitment in XX/XX/XXXX. When I called XXXX to discontinue the service, I was put through a series of high pressured sales tactics for a good half hour as it was not made easy by several employees of XXXX in their billing department. I kept saying no to what they offered - a lower monthly subscription- but they would not oblige. Finally I was told I had to put in writing for my discontinuation of service to a given email. After all that, it was not good enough as I continued to receive monthly statements and phone calls from a phone calling center every day. I have now been passed to two debt collection services- XXXX XXXX XXXX XXXX XXXX - which did not respond to my letter dated XX/XX/XXXX and now FBCS. I dispute the amount I owe of {$380.00} as I continue to fight XXXX and what did to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITICARDS/CITIBANK sent me a promotional offer for a credit card. 
I have applied because the promotional offerred said it was going to be a soft inquiry when I was applying. 
My credit score is great close to XXXX and they still denied me for any credit limit. 
Now I noticed a hard inquiry on my credit that it is going to stay until XXXX  and this is not right. 
Why would you send a credit offer to me if the company can not approve my credit and why would the company lie about the inquiry they are going to put in my shoulders.

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 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX they stolen {$360.00} they never refund it to me any time I dispute a transaction with customer they always mess with Lock my debit card take money whenever they want today I dispute a transaction on XX/XX/XXXX for {$2.00} another transaction for {$23.00} still pending with out my knowledge they Lock my debit card I'm about to pay for my groceries l real can't they stole to much from me I'm leaving pay check to check please do something enough it's enough. Sincerely. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11 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: FL

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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
Consumer complaint received 2024-01-11 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: GA

Complaint narrative:
Greetings, To all consumer reporting agencies, please see opt out letters in attachments regarding Experian, 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 2024-01-11 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: NY

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.

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 consumer 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 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 2024-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
On XX/XX/XXXX, after several weeks of trying to get through to a my loan servicer, MOHELA, to request a refund of payments made during the Covid Forbearance, I was given inaccurate information regarding my payments made during the Covid Forbearance. I had been calling to request a refund of those payments, which per the CARES Act, I am eligible to receive a refund of. The XXXX MOHELA incorrectly told me that the payments I made would be counted as " Paid Ahead '' and be applied to my future student loan payments, this was inaccurate. I had requested a refund of the payments I made on XX/XX/XXXX of XXXX during the XXXX forbearance, this request was not properly sent for processing. Now for several months I have had to sit on hold with MOHELA for hours on end to be told that my request is being submitted, then when I follow up we find out it was submitted incorrectly or to the wrong department at MOHELA. This has happened on numerous occasions. I feel that my request is not being submitted properly and that the inaccurate and misleading information I received is preventing me from receiving the refund of the loan payments made during Covid forbearance. MOHELA needs to ensure that my request is honored and sent to the XXXX. of XXXX, they are the servicer who mishandled my request and gave me inaccurate information regarding the payments made during the forbearance. I am having great difficulty getting through to anyone at MOHELA and or the XXXX. of XXXX that can resolve this issue, this is no fault of mine. Neither MOHELA or the XXXX XXXX XXXX are properly staffed to provide borrowers with adequate service in a timely matter. MOHELA has made no effort to correct this mistake by contacting the XXXX. of XXXX directly and/or having it corrected via special channels. Each entity has referred me back to the other on XXXX occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: FL

Complaint narrative:
Great evening, Seeking assistance regarding removing all addresses, phone numbers, charge offs, closed accounts. Ive attempted prior by mail and this portal, yet the 30 days has just occurred, and the bureaus have yet to respond. Would be greatly appreciated upon satisfaction results. 

Please see attachments. 

Thanks in advance

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 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was discriminated against because of my credit report, incorrect and misleading reporting 15 USC 6802,15 USC 6803, 15 USC 6804 and 15 USC 6805 sharing, unverified information, causing me denial of credit. Title 15 subsection 1611, the not faults and denial of my own personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NY

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks. 

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 2024-01-11 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: SC

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXX U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5000.00} U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} 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 2024-01-11 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: SC

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXX U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5000.00} U S DEPT OF ED/XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF ED/XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$5100.00} U S DEPT OF EDXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: MI

Complaint narrative:
A charge off is considered a certificate of indebtness which means it is income and must be removed. 

This is also violation of my privacy under the Privacy Act of 1974

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 2024-01-11 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: WI

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 2024-01-11 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: TX

Complaint narrative:
XXXX sent me a promotional offer for a credit card. 
I have applied because the promotional offerred said it was going to be a soft inquiry when I was applying. 
My credit score is great close to XXXX and they still denied me for any credit limit. 
Now I noticed a hard inquiry on my credit that it is going to stay until XXXX and this is not right. 
Why would you send a credit offer to me if the company can not approve my credit and why would the company lie about the inquiry they are going to put in my shoulders.

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 2024-01-11 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: NY

Complaint narrative:
I have recently examined my consumer report and observed several instances of late payments on an account for which I have never been overdue. 

Consumer reporting agencies play a crucial role and are obligated to accurately report consumer information to the best of their ability. 

I have consistently made on-time payments for the account XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. 

I request a thorough investigation into this matter and urge you to furnish evidence, such as statements, demonstrating the alleged late payments. 

If substantiating proof can not be provided, I insist that these payments be corrected to reflect their accurate status as XXXX XXXX, ' as I have ALWAYS maintained timely payments. 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 2024-01-11 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I try getting my credit report but since I have never used it is not letting 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 2024-01-11 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/23, Apple/Goldman Sachs froze my credit card and savings account without any warning. I have made multiple calls and requests for information but have been stonewalled at every turn. So I am reaching out to the US government for help in understanding why this blockade is happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am entitled to a fair and accurate credit report under the Fair Credit Reporting Act ( FCRA ). However, it is disheartening to note that only XXXX of the fraudulent accounts has been deleted, leaving the others intact and continuing to wreak havoc on my creditworthiness. The incomplete resolution of this dispute is a direct violation of my rights as a consumer. It is evident that there has been a failure in the investigation, as all the disputed accounts are relatively fraudulent in nature. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
Please provide a detailed explanation of the investigation process, including the criteria used to determine the deletion of XXXX account while others remain unresolved. Transparency in this matter is of utmost importance, and I anticipate your full cooperation in rectifying these discrepancies.

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