vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX has submitted XXXX late payments on my loan account in error. We were denied us of our vehicle and service contract and the late payments were XXXX by there error on a breached contract. The late payments need to be deleted by XXXX XXXX or a lawsuit will be filed against the XXXX credit reporting agencies directly and they can fight it out with the bank in court amoungst yourselves. 

To note this case is not in litigation. Has NEVER been In

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 2024-09-15 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: MI

Complaint narrative:
XXXX XXXX XXXX has submitted XXXX late payments on my loan account in error. We were denied us of our vehicle and service contract and the late payments were XXXX by there error on a breached contract. The late payments need to be deleted by XXXX XXXX or a lawsuit will be filed against the XXXX credit reporting agencies directly and they can fight it out with the bank in court amoungst yourselves. 

To note this case is not in litigation. Has NEVER been In

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am so confused by the amount of inquiries I have acquired in my credit report without my permission. It pains me to think that these were pulled/reported without my permission.

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 2024-09-15 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: TX

Complaint narrative:
I am so confused by the amount of inquiries I have acquired in my credit report without my permission. It pains me to think that these were pulled/reported without my permission.

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 2024-09-15 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the Experian 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 the complaint. This fraudulent, inaccurate, and false information consists of a mobile account open on XX/XX/XXXX to XXXX, a XXXX XXXX account open on XX/XX/XXXX and an unknown line of credit for XXXX XXXX last reported on XX/XX/XXXX These accounts and other personal information that was used resulted in several fraudulent hard inquiries on my credit profile. I've attached a list of the fraudulent inquiries in questioned " I have went through all of my credit reports to identify the unknown activity. The aforementioned accounts, collections, and hard inquiries appearing were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results from the identity theft and fraud. I have attached a copy of the 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 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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried the automated line for Equifax and XXXX, and I was denied my credit report. I called Equifax and answered " none of the above '' on XXXX of the questions, and it said I was denied. I tried XXXX more times and was denied each time. Then, I called XXXX and it was the same. I called XXXX first, and they are sending me a credit report. I need to get all of the three credit reports to check my credit, since there was a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
After being late a few companies took over to collect debt from me and start to call harassing me about the money owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: AR

Complaint narrative:
Transunion shows duplicate loans for five of my student loans with XXXX. I have submitted a dispute request with Transunion. However, Transunion only allows me to dispute one loan at a time. At least that is how their dispute form appeared at the time I filed it. Which is simply mindboggling. I want all the duplicates to be dropped. This should be done with care as to not disrupt the original record.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried the automated line for XXXX and Transunion, and I was denied my credit report. I called XXXX and answered " none of the above '' on XXXX of the questions, and it said I was denied. I tried XXXX more times and was denied each time. Then, I called Transunion and it was the same. I called XXXX first, and they are sending me a credit report. I need to get all of the XXXX credit reports to check my credit, since there was a data breach.

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 2024-09-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My information was stolen. inaccurate information on my credit report. name and addresses wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I received phone calls from this company XXXX  debt recovery aka XXXX I had a phone call with this very scary lady on the phone a year ago it was early morning and she was very scary on the phone she had an aggressive voice and attacked me with her words I dont have her name And I received very scary emails with a list of regulation and rules to come after me for money that I assumed I paid at the time already when I rented and this situation had me very upset Im Not making stable income I had a lot of debt and they ruined my ability to rent a house due to a housing event issue on my credit also I tried calling them yesterday to resolve this and they wanted a lot of money Ive been suffering ever since they opened this and I dont know what to do anymore XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint narrative:
Complaint ag

ainst PayPal for Unfair Account Limitation and Withholding of Funds. I am filing this complaint against PayPal for unfairly and permanently limiting my account and withholding my funds of {$XXXX} for XXXX  days, despite my full compliance with their documentation requests. 

On XX/XX/year>, PayPal placed a temporary limitation on my account and requested documentation to explain the source of my funds, stating it was to " improve my PayPal experience. '' I provided extensive documentation regarding multiple transactions, including those from years back. Despite the effort required, I fully complied. 

However, immediately after submitting the information on XX/XX/year>, PayPals automated system returned a permanent limitation verdict within less than a minute, raising serious concerns about whether my submission was properly reviewed. I was informed that my funds would be held for XXXX  days, and that I could only withdraw the money after this period. 

I believe PayPal 's actions are not only unfair but also illegal for the following reasons : XXXX. No Violation of PayPals Acceptable Use Policy ( AUP ) : I have not violated the XXXX, and PayPal has not provided clear reasons for this permanent limitation.

2. Improper Review Process : The documentation I submitted was extensive, but PayPals system reviewed it in less than a minute, suggesting my submission was not properly evaluated. 

XXXX. Withholding of Funds : The 180-day hold is excessive, and I am concerned I may not be allowed to withdraw my money even after this period, as seen in other user complaints. This is unlawful withholding of funds.

Resolution Sought : I request either reinstatement of my account or immediate access to my funds total to {$XXXX}. I also ask PayPal to provide a clear explanation for their actions. 

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : FCRA Violation Misuse of Credit Report Dear Equifax, I am writing to formally address a serious concern regarding the misuse of my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

I discovered on my credit report that your company closed my revolving positive credit card account that I've had for over a year, and it is in good standing 's nobody gave you the right, or written consent to close that account. That account is not closed on my XXXX, or XXXX report. Clearly this is misusing of my credit report which is a violation of the Fair Credit Reporting Act. This incident has caused me significant distress and may negatively impact my creditworthiness. 

Under the FCRA, I have the right to dispute any inaccurate or unauthorized information reported on my credit file. I kindly ask that you fix, and restore my account at your earliest convenience. I request a copy of any documentation that supports the access to my credit report. 

Please confirm receipt of this letter and provide me with updates regarding your investigation. I expect a response as required by the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely CFPB PLEASE MAKE EQUIFAX FIX MY ACCOUNT AND CREDIT SCORE CLEARLY Misuse OF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I made a wire transfer at the branch located at the XXXX store on XX/XX/2024 to my XXXX account. Wire transfer was completed prior to XXXX XXXX XXXX As per the bank policy, the wire should have reached the XXXX Bank account on the same day since the wire was initiated prior to XXXX XXXX. There was a pending payment to IRS at the XXXX bank due on XX/XX/XXXX. To my dismay, Citizens bank did not complete the wire transfer until Monday XX/XX/XXXX. This caused the IRS payment to be returned from the XXXX bank account due to insufficient funds. IRS charged me {$XXXX} for dishonored check. In addition, IRS also charged me {$XXXX} for interest and {$XXXX} for failure to pay in the month of XXXX. There are multiple factors that are being overlooked by the bank including ( 1 ) Wire was initiated at the XXXX branch by the instructions provided by the customer representative at the branch. ( 2 ) The transaction was done at XXXXXXXX XXXX XXXX  which is well within the cut off for wires which is XXXXXXXX XXXX. ( XXXX ) What is the reason for flagging the wire for review when there are enough funds in the account? What additional review is being done by the bank? There is no transparency on this additional review and is making it up to cover the system failure ( 4 ) I am a XXXX customer and have enough funds in the account ( 5 ) This was a system error and bank is trying to cover it up. I have proof saying that it is a system error

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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:
I did not consent to, or authorize nor benefit from any of the following accounts and information. XXXX and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also 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 explanation
Consumer complaint received 2024-09-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX has submitted XXXX late payments on my loan account in error. We were denied us of our vehicle and service contract and the late payments were XXXX by there error on a breached contract. The late payments need to be deleted by XXXX XXXX or a lawsuit will be filed against the XXXX credit reporting agencies directly and they can fight it out with the bank in court amoungst yourselves. 

To note this case is not in litigation. Has NEVER been In

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MO

Complaint narrative:
On XXXX separate occasions I have sent by mail letters of correspondence to the company requesting full disclosure of the debt information. On both occasions I received no responses. Dates of mailing were XX/XX/year> and XX/XX/year>. Letters included the signed request for disclosure and copies of my drivers license and a proof of my current mailing 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 2024-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
Fay Servicing XXXX appears on all three XXXX XXXX. It claims it was open on XX/XX/year> XXXX # XXXX. I did not apply for any loan with this company and have never had any contact with this company. I do not recognize Fay Servicing XXXX as it is reported on my XXXX credit reports generated dated XXXX XXXX. 
I am requesting that the fraudulent account be removed from each of my consumer credit reports and that all collections activities related to this account cease pursuant to my right within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
My XXXX loan was XXXX under the XXXX XXXX forgiveness plan. This was approved on XX/XX/year>. I have the documents from XXXX as proof. When XXXX had the loan is showed a XXXX balance. Somehow my paperwork was transferred to Aidvantage and they say I now have a loan balance of approximately {$XXXX}. I have called Aidvantage countless times and have uploaded online the XXXX forgiveness letter at least twice to them directly through my account link. We have had conference calls with Aidvantage, XXXX and myself on them. XXXX has advised Aidvantage  that my loan was forgiven and there are no active loans in my name on their database. XXXX has also sent the documents to Aidvantage. I have been working over a year on this issue, and I get told that a special desk at Aidvantage is working on it and to check back in a few weeks. My nonexistent loan balance keeps going up and my credit rating is being affected by this, along with my health. I do not know who or where to go with this now. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX application was approved. I contacted Navient to request a refund of all payments made on the fraudulent loans and was told that I am not able to get a refund without an explanation to why I wasn't entitled to a refund. I requested a written letter from Navient to explain why XXXX XXXX XXXX will not issue a refund and have not received that written correspondence yet. 

I've been paying Navient on these fraudulent law school loans since XXXX. I paid Navient over {$120000.00} ( majority is interest only payments ) from XXXX. Based on Navient 's approval of the School Misconduct Discharge application, I am entitled to a full refund of payments made under the Holder Rule. I want file a complaint with CFPB to get assistance with getting a refund issued to me from Navient on money 's owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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