vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax XXXX XXXX and experience to take the block off of my account because I cant see it and they wont its been like that for maybe about XXXX months now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC
State: TX

Complaint narrative:
BMG Money has an open account on my credit report, the loan is closed which its still reporting late payments and open, Ive contacted this company numerous times and the credit bureau to delete this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX Has ran my credit numerous times, according to the fair act you should be only reporting accurate information. I contacted this company numerous times the rep was rude they hung up in my face numerous times

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX Has ran my credit numerous times, according to the fair act you should be only reporting accurate information. I contacted this company numerous times the rep was rude they hung up in my face numerous times

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im sending proof showing the fraudulent account with XXXX XXXX Collections for {$37000.00} and XXXX XXXX XXXX this is being reported by a third party was reported to the identity theft.gov.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im sending proof showing the fraudulent account with XXXX XXXX Collections for {$37000.00} and XXXX XXXX XXXX this is being reported by a third party was reported to the identity theft.gov.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have private loans in good standing with Navient that were obtained through XXXX XXXX XXXX as part of their high pressure sales tactics, misleading sales tactics, and deceitful practices and where my degree that was obtained with these funds, was eventually make null and void by the government roughly around 2015, when they closed XXXX. My federal loans are in process of being dismissed as part of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX  involving XXXX XXXX XXXX and XXXX, and these private loans should be forgiven with them, as it is not my fault the government invalidated the degree the private loans were used to obtain. Since the government took my degree from me, the government needs to compensate me fairly by dismissing all costs related to that degree, and that included private loans disbursed to XXXX. These loans are an undue burden and act as a unfair punishment, as I continue to uphold my end of the agreement by making my payments faihtfully, but those on the other end, have not, by taking the degree obtained by the loans for those payments and making it worthless and no longer useful for improving my life circumstances and finances. While I agreed to these loans in order to obtain my degree, when I fulfilled my obligations to obtain that degree, later both XXXX and the US Government determined I should no longer have a valid degree, at took it away from me, through no fault of my own. I have been diligently making these private loan payments since, despite the extreme struggle to do so that they represent. Just as the government is supposed to fairly compensate you if they take your land, the government should also compensate those of us whose degree they invalidated and took away.

I've attached to this complaint a copy of my letter from the Dept of Education on my Federal loans being discharged due to the " XXXX XXXX XXXX '' lawsuit, for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have disputed and called Experian several times speaking with agents and supervisor just simply trying to update my person information making them aware that I have been a victim of identity theft for some time now and these people are still able to bypass and verify my identity with old information. The company told me that they COULD NOT and WOULD NOT update all my personal 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
I did not overdraft my account by my own means. They charged me a paper statement fee which made my account go into the negative and they continuously charged me overdraft fees I am very upset by this because I made sure I had enough in my account to complete my transaction. They did not list one of my transactions until two days later and this business I purchased from does not add additional fees later so there is no reason why the transaction shouldnt have been immediately available. They charged me all the way to XXXX from a XXXX dollar overdraft caused by their mistake. Nobody ever called they just sent me letters THAT I DIDNT SEE. They reported me to XXXX XXXX  without even contacting me which is very disturbing how I couldnt receive one single phone call to resolve this. I am a XXXX XXXX who was persuaded to open an account with this bank and I was NOT told information about paper fee statements etc. Im very upset how this was dragged out

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
In XXXX my information was exposed & I was receiving alerts for credit I didnt apply for. In XXXX, XXXX, XXXX & XXXX Ive reached out to all XXXX credit bureaus as well as creditors to get information deleted. They have not properly assisted me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Palmar, Inc.
State: GA

Complaint narrative:
In XXXX my information was exposed & I was receiving alerts for credit I didnt apply for. In XXXX, XXXX, XXXX & XXXX Ive reached out to all XXXX credit bureaus as well as creditors to get information deleted. They have not properly assisted me with this matter.

Company response to consumer: Untimely response
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Dealing with an error of chase causing my business account to be closed. The result of a check being issued. After major financial setbacks and receiving the check I was unable to cash it because it did not have my name on it. The chase manager was unhelpful and not able to show compassion or offer any assistance. Besides the obvious explanation. I have been unable to reach the office and representative supposed to be assisting me or answering any questions I will now be seeking legal action as well this has been a big set back with my business banking and financial stability

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB Has ran my credit numerous times, according to the fair act you should be only reporting accurate information. I contacted this company numerous times the rep was rude they hung up in my face numerous times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I lost my Wells Fargo debit card and I some one use it and do transactions of total {$9500.00} and i did file claim with the bank and they are saying I did authorize XXXX out of XXXX transactions whichs I didnt and I called the merchant also they didnt give me any information they were trying to collect information from me like my driver license and pictures I dont even have account with them the merchant name XXXX XXXX Also I had another fraud transaction on XXXX of my credit card I guess some one hacked my phone I had my card stored on 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I'm sending this complaint today asking for assistance regarding my credit file Multiple letters were sent to EXPERIAN requesting to remove the disputed Items from my credit report as well as remove the Items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: CO

Complaint narrative:
XXXX XXXX is reporting inaccurate information about a closed account to Equifax and XXXX. The account should no longer be included on my credit report. They are reporting the accounts first date of delinquency as XXXX XXXX. The account was opened in XXXX XXXX for a period of XXXX  months. How is it possible that date of first delinquency is reported XXXX months after the account was meant to close? It seems that they are deliberately providing false information to the credit reporting agencies so that this account remains on my credit report, even though more than XXXX  years have passed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
According to FCRA 605B, we got ta take off wrong stuff from my credit report. Can you look at the papers? Some accounts listed aren't right. They need to go ASAP.

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 2024-04-11 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: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to XXXX its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols..

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GCFS, INC.
State: CA

Complaint narrative:
I am writing this complaint to resolve the issue of my funds being garnished and taken out of my account without my authorization. Money has been taken out of my account on XXXX separate occasions. The first was for {$1500.00} and the second one was for another {$1500.00} totaling in {$3000.00} being taken from my account. I called the debt collector XXXX XXXX in XXXX and let them know I was a victim of identity theft and that my information was used in taking out multiple loans through out the USA. I informed them I have a police report filed and filed a complaint with the ftc as well. Also, I advised there is a current freeze on all XXXX  of my credit reporting files due to this identity theft. When I spoke with them on the phone they were uninterested in helping me resolve this issue and their sole concern was how to collect the debt. They never asked me to send any of the records XXXX showing where it was due to identity theft. I was never provided any verification of the debt which breaks the Fair Debt Collection Practices Act.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Heritage Financial Group, Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX RE : XXXX XXXX XXXX and IRS cancellation of debt 1099C Heritage Acceptance is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by Heritage Acceptance account number # XXXX was received from IRS. Heritage Acceptance is inaccurate reporting income a certificate of indebtedness to my consumer report. I also revoke or rescind any security interest that I previously willfully given to Heritage Acceptance. I also rescind any written, non written, verbal or/ and, nonverbal signature to share, transfer, sell or assign to non affiliated or CRAs my personal identifying information. I also revoke or rescind my signature on all written agreements. I have attached my personal identifying information such driver 's license and utilities bill. XXXX XXXX XXXX XXXX # last XXXX digits # XXXX XXXX XXXX XXXX XXXX KY XXXX I am not a XXXX  party or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX ( California ) Branch of Bank of America has blocked their schedule for appointments and they have refused two times to help me and I went to do urgent name change request as my account they opened and did mistake and this branch is refusing people as walk in. They can not refuse helping me and I am very upset about the mistreatment done with me two times and how can I make appointment if they have blocked the time or their is nothing available for several months and any day nothing is there looks like they can blocked it. People like me Why we need to go another city branch if I belong to this city and its the only branch in city.

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-04-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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