vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Possible Financial Inc
State: OH

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX, has violated my rights. 

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.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Back on XX/XX/XXXX, I submitted disputes to the XXXX credit bureaus as there was information on my credit report which I don't believe was accurate. I sent a letter to XXXX XXXX to XXXX XXXX  XXXX XXXX, PA XXXX. I sent a letter to XXXX to XXXX XXXX XXXX XXXX, GA XXXX. And I also sent a letter to Experian at XXXX XXXX XXXXXXXX XXXX, TX XXXX. 

Since then, I never received any responses or notices back. Because I never received any responses or notices back after almost 60 days, I sent them another round of disputes on XX/XX/XXXX asking for the same investigations and corrections to my credit report. Once again, I didn't receive any notices or responses. I have active credit monitoring, so I know if they have at least attempted to investigate accounts as I would be notified that accounts were under dispute or that disputes have been resolved. That didn't happen either. 

Here we are in XXXX, and I have yet to receive any letters from anyone, in regard to my disputes. Since I'm tired of waiting, and because I'm not going to send a third round only for the same thing to occur or rather in this case to once again not occur, I decided to let you know so maybe you could help me in obtaining investigation results for my disputes. That's not too much to ask for, is it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Self Financial Inc.
State: CA

Complaint narrative:
the company stole my collateral deposit that was given to them. Closed the account and never payed me back my deposit.instead self reported inaccurate, incomplete information to the credit bureaus. Self continues to report a false amount. Self is in violation of the FCRA by being a willing participant of knowingly reporting information that is not true. Please help in this matter CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I requested to pay via the new SAVE plan. Aidvantage is not following through on approval of my application. 

They sent me notice that they removed me from IDR for some reason. I am still trying to figure that one out. I did not request to leave IDR. I requested to sign up for SAVE. 

They charged my old payment amount to me in XXXX of XXXX, which I paid. 

I applied for SAVE on studentloans.gov and the application page says it has been approved by my servicer for just shy of {$510.00} per month, not the {$710.00} they charged me. 

In addition to this, they do not show any balance for the next month 's payment. Their website explains that this is due to the fact that I'm signed up for autopay. There is nowhere else on the website where I am able to view payment amounts due. 

I am trying to get a mortgage and need proof of the lower amount, which Aidvantage never sent to me. 

They never sent me the notice of the reduced payment amount, even though DoE is telling me they've approved it and should send me a notice. They still have {$710.00} autopay amount. 

I am attaching the notices which I did receive, along with screenshots from the official student aid website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: GA

Complaint narrative:
This debt from PNC Bank is not valid. I went in to the bank myself and asked to close the account. But are now saying I owe. The business and everything attached has been closed for awhile now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filed my side of argument with county clerk and the lawyers that sent me a judgement in in which I was asked to send my answer. I did and now they are saying I have no argument and for the judge to make me pay in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: IA

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint regarding the egregiously inadequate service I have experienced with Pentagon Federal Credit Union in regard to my car loan account. I am a 100 % XXXX XXXX XXXX veteran living with a XXXX XXXX XXXX, which notably includes memory issues. 

Despite my condition, I have diligently maintained my loan repayments, relying heavily on the regular statements sent by the credit union to remind me of my due payment dates. Unfortunately, I stopped receiving these crucial reminders in XX/XX/XXXX  and, due to my memory issues, this led to a lapse in my payments that persisted until XX/XX/. 

On XX/XX/, I received a distressing communication from the credit union threatening to repossess my car if the overdue amount was not settled in full by XX/XX/. Immediately upon receipt of this letter, I reached out to the credit union and spoke with a representative named XXXX XXXX. During this conversation, it became apparent that there was a serious failure in the credit unions system in maintaining consistent communication with me. XXXX XXXX initially claimed that statements had been sent via email, but could not substantiate this with dates and I found no such communications in my email history. Moreover, he stated that there had been attempts to reach me by phone, only to then find that no calls were logged until XX/XX/XXXX, and even then, it was unclear if any actual calls were made as I was only placed on an auto-dial list. 

I find myself in an extremely precarious and unfair situation where I am being held accountable for missed payments that I was not duly notified of. My reliance on these notifications is heightened given my medical condition, and I am now facing an unjust punishment due to a failure on the part of the credit union. 

I am reaching out to seek your urgent intervention to facilitate a resolution that recognizes the credit unions lapse in communication and affords me a fair opportunity to resume my regular payments without the undue burden of having to settle the full overdue amount within an unreasonably short timeframe. 

Thank you for your attention to this grave matter. I trust that with your assistance, a just and reasonable solution can be reached. I am willing to cooperate fully and provide any necessary documentation to support my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: IN

Complaint narrative:
I filed a dispute about a collections account that showed up on my credit history. I have received no communication from the original company about a balance due. 

My dispute was opened on XX/XX/13 at XXXX, and was closed on XX/XX/13 at XXXX. The details from the dispute results note that the collections item was either updated or deleted. However, neither happened. In the comparison tool provided on the website, the dispute appears exactly the same. There is no additional information or change of status. As the only information I have related to the account is a lack of communication regarding the balance due, I can not provide anything for an updated dispute through the credit agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: FL

Complaint narrative:
I tried to request a deletion to my negative accounts on my credit report its been 7 years, they havent processed it yet, one of the account been paid off they updated the account as paid less than full balanced wish is falls information. 

1 XXXX XXXXXXXX XXXX XXXX been charged off 2 - XXXX XXXX XXXX been paid 3 - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to request a deletion to my negative accounts on my credit report its been 7 years, they havent processed it yet, one of the account been paid off they updated the account as paid less than full balanced wish is falls information. 

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My identity has been stolen and someone is using my information to apply for 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 2023-09-18 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:
My identity has been stolen and someone is using my information to apply for 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 explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: GA

Complaint narrative:
This debt from XXXX XXXX  is not valid. I went in to the bank myself and asked to close the account. But are now saying I owe. The business and everything attached has been closed for awhile now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: Synovus Bank
State: AR

Complaint narrative:
unsure about the dates, but I have been talking to all 3 of the Bureau XXXX, XXXX, and XXXX constantly for the last several time about this. And trying to depute it online about this. And no reply! Now have all 3 BureaXXXX freeze, because different companies running my credit without my approval or they will tell me that it's a soft pull. and when I check my credit report, It pull my score down to XXXX to XXXX points. So now I have all 3 of my Credit Bureau freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/23 a check was deposited written from XXXX XXXX in the amount of {$9000.00} check number XXXX. 
Chase location XXXX XXXX XXXX XXXX. XXXX XXXX MO. The funds were on hold until Friday XX/XX/23. At that time when I attempted to make a withdrawal, I was informed the account was flagged and no funds could be released. After contacting Chase customer service department speaking with multiple representatives, & Supervisors I was told that XXXX XXXX signature needed to be present. 
I gave Chase Supervisors at least 3 different numbers for XXXX XXXX and I was told that none of the three were verifiable so they could not release the funds. The other option I was given was to contact XXXX XXXX to have the check recalled and they said they couldnt recall the check. So the funds are still on hold, and the accounts is now closed again after I was told that that had enough information to release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NY

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 non-monetary relief
Consumer complaint received 2023-09-18 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: MD

Complaint narrative:
Experian and XXXX failed to conduct a reasonable investigation and in a timely manner when i disputed the information. 
1. Date of Last Activity according to XXXX is XX/XX/XXXX and according to Experian is XX/XX/XXXX furnishing inaccurate, unauthorized and incorrect information. 
2. Date Opened according to XXXX was XX/XX/XXXX and according to Experian XX/XX/XXXX again furnishing inaccurate, unauthorized and incorrect information. 
3.Account Charged off as bad debt Dispute resolved ; reported by grantor whereas Account was in dispute- now resolved - reported by subscriber.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Auto Finance sent me a 1099c Cancelation of Debt form to file with the IRS but have recently placed my account in delinquent status. If the debt was discharged and and a cancellation of debt form was sent to me, then I should no longer be liable for any balance of the account. My credit score dropped over XXXX points for Capital One incorrectly reporting this information to the credit bureaus. I have tried to solve this issue with Capital One, but the agents do not seem to know about anything that I am speaking about. If I still have to pay taxes on the debt to the IRS for the cancellation of the debt, the debt should show as canceled and no balance should be shown. I was sent the 1099c Copy B on XX/XX/2023 but this delinquency was reported on XXXX XXXX. I will upload a copy of the 1099C form that I was sent, and I want this to be resolved and the balance to be XXXX out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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:
The following accounts ; XXXX XXXX  XXXX, XXXX XXXX XXXX, EXPERIAN 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 are hindering me from getting a new car and a mortgage for a house because my credit report has compromised. The above accounts and inquiries are fraudulent and I want those accounts removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Contacted Agency to notify of fraudulent activity. I asked for information about the account and they had nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: AZ

Complaint narrative:
I sent Transunion a dispute on XX/XX/2023 in regards of inquiries but have yet to get a response in regards to the documents because these items were not done by 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 2023-09-18 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: MO

Complaint narrative:
I called the fraud department at Transunion and explain that I had noticed some unauthorized inquires on my report or someone applied for something in my name. 

From XXXX XX/XX/23 XXXX  XXXX XX/XX/23 XXXX XXXX  XX/XX/23 XXXX XXXX XX/XX/23

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Early XXXX, I began to look into my credit in order to boost my score. I have life changes occurring that I now realize how much credit matters over cash. 

XX/XX/XXXXXXXX  I noticed MULTIPLE inquires not authorized or recognizable to me. Below are the inquires to reference to. After placing a call directly to the credit bureau involved I was told I needed to fill out a paper and they would mail it to me after I requested multiple times that he helped and did it for me. 

Because these are unauthorized and I tried getting them removed from my report my request was not honored I need a payout based on FCRA consumer laws etc. 

BRCLYSBANKDE XX/XX/XXXXXXXX  via XXXX. 

BRCLYSBANKDE XX/XX/XXXXXXXX  via XXXX. 

Pursuant to 15 USC 1681n I XXXX XXXX, the consumer is entitled to {$1000.00} PER violation.

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