vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: DISCOVER BANK
State: TX

Complaint narrative:
I have some credit card accounts that are fraudulent I submitted a FTC report and identification and letter asking that these accounts be removed Discover # XXXX. XXXX XXXX XXXX XXXX # XXXX amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: OK

Complaint narrative:
I am activating my right to privacy this collection was sold and my information was shared without my permission Iam also activating my right to recession when social security number was used so I can rescend transactions. Please delete I attached pictures of all accounts to be deleted and evidence of the consumer law lists

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 2024-08-08 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: NY

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want 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 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have been a Capital One credit card holder since XXXX of XXXX, and now managing 2 card accounts with the company since XXXX A now XXXX XXXX XXXX ( was an upgrade offered by Capital one for being an exceptional member ) and a Spark Business Credit card. Throughout this period, I consistently made timely payments and maintained a good standing on my accounts. However, between XX/XX/XXXX and today, I have encountered significant personal hardships. I loss my job and shortly after my mother became very ill with stage XXXX XXXX  XXXX, XXXX XXXX in XX/XX/XXXX. These life changing events severely impacted my financial situation. As a result, I was unable to make payments on my credit cards which caused me to fall more than 120 days behind on my accounts. Upon contacting Capital One to discuss my situation and seek assistance, I was informed that I was not eligible for a payment plan for my Spark Business credit card. This decision left me with no feasible options to rectify my account status and my card is now permanently restricted. When I requested a copy of the terms and conditions I had originally signed, which would include any clauses about account restrictions, Capital One was unable to provide them and also advised that I could reference the general terms on the website. I do not recall signing any agreement stating that my card would be permanently restricted if I fell more than 120 days behind on payments. This lack of transparency has been deeply concerning and has left me feeling unjustly treated. The permanent restriction of my credit card account has significantly affected my financial stability and credit score. As someone who has diligently managed their account and only fell behind due to unavoidable hardships, I find Capital One 's handling of this situation to be both unfair and detrimental. I have made several payments toward the restoration of my account to be denied the removal of the restriction. I have been told my only option is to close this account which would leave my credit in poor condition once I am back on my feet. This is very unethical and I believe they should have more empathy toward someone who has been an impeccable member to the contribution of their companies growth.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2024-08-08 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:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-08 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: NJ

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-08-08 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: NJ

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On or around XX/XX/year>, a credit inquiry from XXXX XXXX  was fraudulently posted to my credit report. I did not apply for any credit product from XXXX XXXX. Similarly, on or around XX/XX/year>, another unauthorized inquiry from XXXX XXXX, Delaware, appeared on my report. Earlier, on or around XX/XX/year>, XXXX XXXX was responsible for a similar fraudulent inquiry. Additionally, on XX/XX/year>, another unauthorized inquiry from XXXX XXXX  was recorded. Further back, on or around XX/XX/year>, a fraudulent inquiry and account from XXXX XXXX XXXX XXXX were added to my credit report, resulting in negative reporting and adversely affecting my credit. I did not authorize any of these inquiries or the opening of these accounts. They are fraudulent and need to be deleted 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 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-08 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX Account # XXXX This is a fraudulent account. Please Delete Immediately XXXX XXXX XXXX Account # XXXX This is a fraudulent account. Please Delete Immediately XXXX XXXX XXXX  Account # XXXX This is a fraudulent account. Please Delete Immediately XXXXXXXX XXXX XXXX Balance : {$140.00} This is a fraudulent account. Please Delete immediately Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

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 2024-08-08 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: NY

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
This is my final attempt to get your company to follow your duties under the law before I seek damages to the fullest extent. I have notified you on 3 separate occasions regarding this fraudulent debt yet you continued to report it without proper validation. I have submitted an Identity Theft affidavit and you still continue to report this debt as both valid and meeting FCRA requirements. This was not a request to delete this fraudulent information, it was a demand. I DO NOT OWE THIS DEBT! Your fraudulent reporting is severely damaging my credit and reputation to the extent that it is now affecting my business. I intend to escalate this matter to a court of law if this final attempt to rectify is again met on deaf ears and rest assured this is not an idle threat. I will seek damages to the fullest extent of the law PER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-08-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
My account with Marcus Goldman Sachs was frozen. I opened a high yield savings account with them a week ago, and had a large sum of money transferred into my account from XXXX XXXX XXXX XXXX. I tried to log in this morning and their app told me I had been locked out of my account. I called their customer service number and was asked a bunch of questions to identify who I am. I was then told I was being transferred to another person who told me they couldnt authenticate me and my account was frozen. I gave them all my information that I have. I then said I wanted to talk to someone higher than the person I was talking to, and was told she was the supervisor and there was nobody else I could talk to. I was told it would take 3-7 business days to send my information to the verification department to be verified. I was also told that they couldnt verify me because they couldnt send me a code via text message. I thought that was strange because they sent me a code via text messaging when I started my account. I asked if they could call me at the number they have on file to verify me and was told no. So for now I have a lot of money in Marcus Goldman Sachs and I cant get access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-08-09 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: AR

Complaint narrative:
The XXXX sent an email to everyone last week stating that new student debt relief will be available this fall for XXXX categories of folks. We are required to notify our servicer if we want to opt out by XX/XX/XXXX. I have called my servicer Mohela XXXX times and spoken to at least XXXX people. I have been unable to opt out. I belong in XXXX of those categories of people who will have interest forgiven. However, I am also XXXX year from XXXX  forgiveness. The student debt relief that is based on the proposed rule published in the Federal Register in XXXX is taxable. XXXX is not. Because I am so close to XXXX forgiveness and I have XXXX XXXX loans and I grew up poor, my interest that is slated to be forgiven is substantial. I want to opt out of all taxable forgiveness and pursue the XXXX forgiveness - the promise of which I relied on when I pursued a XXXX XXXX. Mohela has no idea what is going on. They don't even know what I am talking about when I say " new student debt relief '' or " Biden 's new forgiveness plan '' or the " email XXXX sent out last week '' or when I describe in detail what the proposed rule says, when it was published, and when it is supposed to be finalized. I have even spoken to XXXX supervisors about it, if I remember correctly. I have spent over an hour on the phone with them. It is imperative that Mohela immediately train their customer service representatives and supervisors and that the opt out process be notification. I should not be required to train Mohela 's people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
WAKEFIELD & ASSOCIATES INC. XXXX XXXX XXXX XXXX has placed this debt on my credit and I have never acquired services from them nor have I ever heard of them. This needs to be removed from mt credit reports and there is no validated proof this belongs to me. I have been a victim of identity theft and have placed credit locks for all three bureaus because of this. I would kindly ask that this be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 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 2024-08-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Several companies that I don't know are using my prediction

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