vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
What Happened : I am requesting assistance in removing XXXX negative XXXX XXXX accounts from my credit report. These items are currently affecting XXXX of my XXXX credit reports, despite having already been removed from the third report. 

Dates & Details : I noticed that these XXXX XXXX XXXX accounts were reported negatively on my credit reports with TransUnion and XXXX. 
I filed disputes with both bureaus on XX/XX/XXXX and received responses stating the negative items would remain. 

Actions Taken : I successfully had the items removed from XXXX after a separate dispute on XX/XX/XXXX. 
Following the first dispute denial, I submitted additional disputes and requests for verification on XX/XX/XXXX, but my requests were again denied without sufficient explanation. 
I also attempted to work directly with XXXX XXXX for a goodwill adjustment but received no 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 non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
My initial loan was with the servicer XXXX and it was then transfered to Aidvantage without my consent. Which is a violation of the Family Educational Rights and Privacy Act 1974 which states, Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure.The Privacy Act provides protections to individuals with the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. They also violated 15 USC 6802 which states, Financial institutions must provide consumers with a notice that complies with section 6803 of this title. This notice must clearly and conspicuously inform the consumer that their information may be disclosed to a nonaffiliated third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: Experian Information Solutions Inc.
State: CA

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-29 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 recently reviewed my credit report and noticed an account needing accurate reporting. I have two late payments on an account that I was paid on time. The consumer report agency needs to report all information with complete accuracy. This account has not been late on payments, I have attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ), I am now requesting you investigate this account and update this payment to pay on time immediately. Thank you for your understanding and prompt action.

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 2024-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc.
State: NY

Complaint narrative:
I received a collection notice for an XXXX practice. It was not owed. No one at the practice could help me. No one could help me at Remex ( the collection agency ). 
I believe this is fraudulent billing. It is a small amount so many people probably just pay it. I think its systematic and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Home Depot Credit Services enjoined with Citi Cards closed 1 day after a purchase date and required that I pay a late fee plus a total of {$210.00} in interest charge. I immediately contacted my Home depot credit and entered the corrected balance payment, but as Home Depot Credit services excepted belated acknowledgement. The Citi Card section of their services refused to accept my compliance as term required as they interpreted. On XXXX XX/XX/year> Citi embarked a notice of payment, which I received on XX/XX/year>. Then on XX/XX/year> XXXX XXXX sent me a notice letter, I received on XX/XX/year> asking to or for me to submit to a phone contact. I am sure I am correct under XXXX XXXX ( XXXX ) and XXXX. XXXX ( XXXX ) as granted @ XXXX c ( XXXX ). Respectfully 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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 2024-10-29 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: MO

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-10-29 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: ALLIANT CREDIT UNION
State: NY

Complaint narrative:
My friend XXXX XXXX added me as an authorized user to his account. My credit was frozen indefinitely with XXXX, XXXX, and XXXX. Yet you reported a hard inquiry and debt for an account that was not mine and ruined my credit score. This information was incorrect and needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
So there was a charge off on my credit report I had. disputed this account multiple times. I didn't get any recourse. I. got in touch with the creditor at Wells Fargo. I was able to get in touch with the management the higher ups. Once I got in contact with them, they sent me the documents stating that if I make this settlement payment of {$5700.00}. they would zero out and remove. this account from the credit report that would make my credit go back into good standings. This is the only negative account that is on my credit report currently. It's like I do my part and then they dragged their feet with doing what they said they were going to do. All I'm saying is I have a XXXX  full of all proof and documentations that they stated that they were going to do things and. when it comes to this last thing that they are supposed to do, they have not done it. The account is not zeroed out. It has not been removed. It has not been updated nothing. So I am still currently waiting for them to do so.

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 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX around XXXX - XXXX I attempted to withdraw cash from an ATM at XXXX XXXX XXXX . The amount I attempted to withdraw was {$200.00}. There was also a {$3.00} processing fee which brought the full amount to {$200.00}. The ATM processed the withdrawal : however, The cash was never dispensed from the ATM. The ATM displayed a message that was along the lines of This machine has an error, please contact your bank. The ATM did not generate a receipt for me as well. 

I attempted to contact my bank, Truist, which in turn they told me to file a complaint when the pending charges of {$200.00}. Would officially post to my account. 

The {$200.00} officially post to my account on XX/XX/XXXX. When I saw that this was posted, I instantly called Truist and they put in a dispute for me for the banking error that happened with XXXX XXXX XXXX  ATM. Truist would gave me a credit for this issue on XX/XX/XXXX of {$200.00}. 

On XX/XX/XXXX. I checked my bank account with Truist and I saw that Truist had taken away the credit of {$200.00}. Confused by this, I gave Truist a call on XX/XX/XXXX and they informed me that my claim dispute was denied as they determined that the funds were given by the ATM. I informed them I never received the funds, hence why I called in the first place. They could not give me a reason as to what they saw determined that I got the funds or not from the ATM. I asked what my next course of action was and they told me to call XXXX XXXX XXXX  to get documents that this happened. 

I instantly called XXXX XXXX XXXX, explained the situation to them, and they informed me they could not give me any documents. Truist informed me that they would look into this again, but they said they can not make any promises. 

That was the last update on this situation.

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 2024-10-29 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-29 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX AND EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of charge off, inquiries and collection accounts from XXXX with a balance of {$300.00} account # XXXX, XXXX XXXX XXXX  XXXX with a balance of {$4500.00} account # XXXX, XXXX  account system with a balance of {$250.00}, XXXX XXXX XXXX with a balance of {$300.00} account # XXXX, XXXX XXXX XXXX with a balance of {$250.00}. inquiries- XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. 



These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XXXX I received a XXXX payment of {$1000.00} dollars On XXXX I received an email stating my account was restricted because of the XXXX payment I received on XXXX On XX/XX/year> I received an email stating my account was under investigation and the account would be closed in XXXX days and any owed money will be mailed to the address on file. 
I've called capital one multiple times and they can't not provide an update or a time frame. 
I believe i was a victim of a scam and don't believe my account should be closed but I also would like my money released to me if capital one is ending banking relationship with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
-- -Did not authorize the inquiries to be present on your report and you would like to have them removed -- -- below acct 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

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 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am experiencing online fraud. Someone transfered my money out from my BOA checking account total about {$1500.00}. I reported fraud to BOA. after investigation, BOA refused return my money.

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