vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates, XXXX XXXX and XXXX XXXX. I'm now requesting you to investigate and provide verifiable proof with records showing that I made late payments. If this information can not be verified, I demand these payments to be updated to be paid 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 non-monetary relief
Consumer complaint received 2024-04-20 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following creditors, XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions. 15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.

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 2024-04-20 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following creditors, XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions. 15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.

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 2024-04-20 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: MA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
AARGON AGENCY INC put a record on my credit history with for previously disputed medical bill which was paid by my insurance. I also never received a intemized statement. This company is acting in bad faith and against consumer protection laws.

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 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: TN

Complaint narrative:
I deposited money into my Charles Swab account and a couple days later they locked me out and told me to go to the bank I went to the bank and they couldn't help me they told me to call the money management department and when I called them they told me my money was moved to a safe deposit and I would have to verify my identity and I went through that process and told I passed it and I should be getting my money back uploaded to my card but It never did. It's been a whole year and nothing has came up no one called me. The person that I was talking to on the phone from the money management department told me not to go back to the bank and that everything would be solved. This was a very frustrating experience and I just don't understand why they held my money and never gave it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: IN

Complaint narrative:
I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the fair credit act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these accounts or authorize these accounts. In accordance with the Fair Credit reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. One more thing according to 15 USC 1681s-2, A persons shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These accounts are listed below. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
fraudulent account opened in my name after being hacked in XXXX and again in XXXX a paypal credit card THAT IS NOT MINE AND THEY WILL NOT REMOVE IT. Causing my credit limits to be reduced causing my debit to credit limits to increase dramatically

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I reported XXXX XXXX on my XXXX  card that charged me about XXXX in deferred interest because they closed it then asked for information which you the CFPB mustve briefly looked over they only provided information on XXXX remaining as I saved their XXXX  to you along with adding interest by large amounts every day. My XXXX XXXX card also does not show how I got to that amount they just threw in some random months to make it look legitimate yet that does not show how I got total balance and theyre charging me interest on that amount Ive reported it over and over they finally responded and you guys didnt check the pages it shows nothing how I got these balances XXXX  only showed I owed XXXX but then skipped ahead and showed right when closed early XXXX XXXX XXXX in deferred interest since that time I have paid well over XXXX to them which is noted and no one has done anything to XXXX same thing Im attaching their files they sent you to show it made no sense and didnt add up and to closing my accounts for risky behavior they explain reason why I was risky payments on time low balance to utilization etc they are a scam

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 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
on XX/XX/24 i purchased a XXXX credit card at a XXXX XXXX store. I put {$100.00} cash on the card. when i went to use it, it kept saying there was a problem with the card. i contacted the customer service number and they told me there was a security issue. they refused to give me the address of the company or refund the money that was on the card. The people I spoke with had a heavy accent and wanted personal information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I asked XXXX representatives how to consolidate my personal undregraduate/graduate loans- which are held by XXXX  after consolidating in XXXX - into a direct consolidation so that my old loans could qualify for PSLF. Currently, the Dept. of Ed does not know I have been paying loans for over 25 years because I have a private servicer. I asked XXXX on more than one occasion if I can consolidate a private loan and I was told yes and to apply for consolidation through the StudentAid.gov which I did on XX/XX/XXXX. My account indicates that that request is processing but I was told by XXXX to contact Aidvantage, which processes consolidations. I spoke with a representative at Aidvantage on XX/XX/XXXX and she told me that the application was cancelled because they do not consolidate private loans. If I don't consolidate my {$47000.00} undergrad/grad loans before XX/XX/XXXX, I'm afraid that they will never be considered for PSLF even though I have been working for a non-profit for 25 years and making payments on these loans for longer than that. I'm sending in a complaint because I don't know who to contact or trust. Do my loans qualify for PSLF, or not? I'm running out of time and I need some clarity in order to make an informed financial plan as I start to pay off my sons ' college loans this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: OR

Complaint narrative:
In 2023, I applied for a credit card to see how much I would be approved for a balance transfer. They asked me to link the debt account in order to see how much I would be approved for. I asked for {$50000.00} to get 0 % APR on a HELOC. I was approved for only {$2000.00} so I decided to just never use the card. Eventually I see that my bill is past due. I had no idea that the approval process, which was so quick and seemingly necessary, was the actual balance transfer agreement. I was also being charged a monthly amount that I don't remember ever agreeing to. Why is it {$40.00} per month when I have 0 % APR? Who chose {$40.00}? What timeline is that? I believe the act of approval and the actual transfer happening at the same time is wrong and misleading. I should be able to see the approval amount BEFORE agreeing to the transfer. What a scam. This is predatory. After contacting them they just said that I agreed to all of this and to call the credit companies. I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
ACCT # XXXX XXXX BANK Verification demand letter was sent out to all XXXX credit companies. TransUnion responded back verified without any additional information,

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 2024-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Account Name : CAPITAL ONE # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX, has violated my rights. 


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.In accordance with the Fair Credit Reporting act. 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 XXXX XXXX XXXX Accounting # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: MI

Complaint narrative:
UNAUTHORIZED FRAUDULENT INQUIRES. 
TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRES : 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 2024-04-20 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: MI

Complaint narrative:
UNAUTHORIZED FRAUDULENT INQUIRES. 
XXXX UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MO

Complaint narrative:
It has been over a month now in which I received a statement from MOHELA, stating that my XXXX payments between XXXX and XXXX qualify forTEPSLF. But they will not update my account or my qualifying payments. I have sent multiple emails asking for updates and the only updates I receive are the ones with current payments. I am currently at XXXX qualifying payments yet. They will not add the XXXX qualifying payments from XXXX to XXXX in which MOHELA even states that I qualify for. Please see the attached email from MOHELA Verifying the payments from XXXX to XXXX. The company will be shutting down for the next XXXX months in which they will not be adding any qualifying payments. I have been asking MOHELA to update these payments before the shutdown so that Im not paying almost {$400.00} a month while they are shut down when they have known and plenty of time to qualify me for public student loan forgiveness. I have been paying on these loans for over XXXX  years so theres an absolutely no reason why they can not update my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: PNC Bank N.A.
State: TX

Complaint narrative:
I am writing to express my concern regarding an ongoing issue with PNC not reporting my credit card activities to the credit bureaus. Despite my repeated attempts to resolve this matter over the past year, the problem persists, causing me significant inconvenience. 

I have contacted PNC multiple times to address this issue. Each interaction has directed me alternately between calling customer service and visiting a branch, with each channel redirecting me back to the other. This runaround culminated in an instruction to send a detailed snail mail to their disputes center, which included copies of all three of my credit reports, my account information, and a signed letter detailing the issue. 

I was assured weeks later that the issue had been resolved. However, upon checking my reports, I discovered that the correction had not been made. This ongoing issue has been a source of considerable frustration for me and I am seeking a definitive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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 recently reviewed a copy of my credit and noticed I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
Ive been trying to have XXXX XXXX XXXX  update and correct report and DELETE late payments.I even submitted a complaint through cfpb my contract with XXXX  lenders began XXXX XXXX but I have false payments and transactions reporting on my credit reports dating back from XXXX XXXX. Pursuant to FCRA F section 1681s-2 ( a ) you must delete any incorrect information being reported on my report. I have included a photo of my contract with XXXX XXXX XXXX as evidence of this inaccurate report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My home was burglarized and someone XXXX know stole my drivers license, social security card, birth certificate and financial documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have a XXXX XXXX from Synchrony Bank. When you spend money at XXXX, the card benefits you by giving you 4 % back in XXXX XXXX, which you can then apply to your XXXX XXXX bill. I have been using the card since XX/XX/XXXX and only put my XXXX XXXX charges on this card. I have never received any XXXX Dollars, which is stated as a benefit of this card. I spent an hour with XXXX XXXX, and they sent me to XXXX in XXXX. The associate told me there was an error, and they fixed it. It is not XX/XX/XXXX, and I still do not have XXXX Dollars. I contacted Synchrony Bank again and was told that " their system is down. '' I am filing a complaint because I would like these XXXX Dollars, as advertised as a benefit of the card membership ; I have contacted now XXXX different times ( XXXX and twice Synchrony ) and have had XXXX resolution.

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