vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year> I tried to make a purchase at Dillards and was told card declined. I called Dillards Wells Fargo ) on XX/XX/year> and was told that XXXX XXXX  now service my Dillard 's card then I called XXXX XXXX  and was told that my payment is late. I stated that I sent the payment to Dillards ( Wells Fargo ) that was received on XX/XX/year>. XXXX XXXX  stated that my payment is due on XX/XX/year>. I said I will request refund from Wells Fargo ; and I do not understand why during their transition that the banks did plan that Initial payment from consumers would be sent to the correct service provider. I called Wells Fargo who source customer service out to the XXXX ( very frustrating ) told me there is nothing could be done. I continue calling others numbers at Wells Fargo until someone told me that my money will be returned the way I sent the money which was electronically. Again, Wells Fargo received my money on XX/XX/year> verified by my bank and as of today my money has not been returned. XXXX XXXX  is waiting to be paid and will charge me late fees because Wells Fargo is holding my money when there is no longer an account but they get to earn interest.

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 monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of 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 explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I reached out to verify this debt per my right in the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ), which was sent XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: TX

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
was a part of the XXXX XXXX XXXX and I have made a dozen efforts to have the incorrect items removed from my XXXX credit report. The last effort was made in XX/XX/year>, as I sent a letter with legal documents, along with copies of documents to verify my identity. As of today, XX/XX/year>, a XXXX representative informed me that my CFPB report and other legal documents were not sufficient. They are essentially refusing to honor my documents to remove unauthorized documents for a data breach that their reporting agency exposed me to unknowingly. XXXX and XXXX has already removed the unauthorized information ; thus, XXXX must adhere to the law, removing the FCRA Errors, so that my credit reports are parallel. Below is the incorrect account that must be deleted immediately : CREDIT CORP SOLUTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
I am filing this complaint to ensure that the credit bureaus conduct a thorough investigation and promptly remove fraudulent accounts that were opened in my name without my consent. These accounts, confirmed as fraudulent under FTC Report XXXX XXXX, continue to be inaccurately reported on my credit file, despite my repeated requests for their deletion. 

I have formally notified the credit bureaus ( Equifax, XXXX, and XXXX ) and provided the necessary documentation, but they have not fulfilled their obligation to remove these accounts as required by the Fair Credit Reporting Act ( FCRA ). Given the known issues with credit bureaus often disregarding disputes unless sent via certified mail, I am filing this CFPB complaint to ensure a fair and lawful resolution. 

Fraudulent Accounts : XXXX XXXX XXXX, Account Number : XXXX, Balance Owed : {$290.00} XXXX Consumer, Account Number : XXXX, Balance Owed : {$23000.00} XXXX XXXX XXXX, Account Number : XXXX, Balance Owed : {$6400.00} XXXX  XXXX XXXX, Account Number : XXXX, Balance Owed : {$2900.00} I am requesting CFPBs intervention to ensure that the credit bureaus comply with FCRA guidelines and remove these fraudulent accounts from my credit report, safeguarding my creditworthiness and financial integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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 am filing this complaint to ensure that the credit bureaus conduct a thorough investigation and promptly remove fraudulent accounts that were opened in my name without my consent. These accounts, confirmed as fraudulent under FTC Report XXXX XXXX, continue to be inaccurately reported on my credit file, despite my repeated requests for their deletion. 

I have formally notified the credit bureaus ( XXXX, Experian, and XXXX ) and provided the necessary documentation, but they have not fulfilled their obligation to remove these accounts as required by the Fair Credit Reporting Act ( FCRA ). Given the known issues with credit bureaus often disregarding disputes unless sent via certified mail, I am filing this CFPB complaint to ensure a fair and lawful resolution. 

Fraudulent Accounts : XXXX  XXXX XXXX, Account Number : XXXX, Balance Owed : {$290.00} XXXX XXXX, Account Number : XXXX, Balance Owed : {$23000.00} XXXX XXXX XXXX, Account Number : XXXX, Balance Owed : {$6400.00} XXXX  XXXX XXXX, Account Number : XXXX, Balance Owed : {$2900.00} I am requesting CFPBs intervention to ensure that the credit bureaus comply with FCRA guidelines and remove these fraudulent accounts from my credit report, safeguarding my creditworthiness and financial integrity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
my bank account with capital one has been frozen since XX/XX/XXXX, they froze it for a reason they still won't share with me. they sent me a check for my checking account but still won't send me my check for my savings, that has over {$23000.00} in it. They have not let me get any access to my money and it has almost been a month. They keep saying they don't know when they'll have it by. It is absurd! That is my hard-earned money from my job and I need it NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: PA

Complaint narrative:
I am reaching out regarding several concerns with my credit report, such as incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and inaccuracies in reporting. I need your help in resolving these issues to ensure my financial stability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am reaching out regarding several concerns with my credit report, such as incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and inaccuracies in reporting. I need your help in resolving these issues to ensure my financial stability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: MOHELA
State: OR

Complaint narrative:
Loan History and Transition : My federal student loans were serviced by XXXX and XXXX from XXXX to XXXX, and I have been in the IBR plan since XXXX. In XX/XX/XXXX, I consolidated my loans and applied for the SAVE plan, per Department of Education recommendations. During this online application, I was advised to transfer my consolidated loans to Mohela, at which time they were placed into forbearance as part of this transition. 

Failed Processing of IBR Requests : In XX/XX/XXXX, after receiving notice that I owed {$3000.00} by XX/XX/XXXX, I attempted to re-enter IBR, as the SAVE plan was delayed. Since the online system was initially closed for IBR applications, I submitted a paper application on XX/XX/XXXX. After receiving no response, I received a delinquency notice stating I owed an additional {$3000.00} by XX/XX/XXXX. When the online IBR application reopened in late XXXX, I submitted an electronic IBR request, only to subsequently receive another notice that I had missed my XXXX payment. 

Lack of Response and Escalating Charges : Since early XXXX, I have made repeated attempts to communicate with Mohela regarding the status of my IBR application, including two certified letters. Despite clearly meeting the income requirements for a {$0.00} payment due to my low income ( I currently receive Medicaid and Oregon SNAP benefits ), Mohela has neither processed my IBR request nor corrected my balance, leading to inaccurate charges and delinquency notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: Diverse Funding Associates LLC
State: GA

Complaint narrative:
I was attempting to buy a property and checked my credit report and realized I had damages on my report. According to the 15 U.S.C 1681 law there should not be any damages on my report, it's a defamation to my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Exact details below. 2 charges for hotel were supposed to be in dispute. Barclays only put one in dispute and the hotel rebilled. We reached out to hotel which quickly reversed 2 charges, so things were fine until Barclays rebilled and sent letter. Numerous phone calls to Barclays always resulted in " this will be fixed sorry '' and so forth and nothing ever gets done. 6 phone calls, hours of going through phone prompts and repeating things to agents and it always ends in wait a few days. We are missing a XXXX credit and spent XXXX worth of time to not get it fixed and now more time to file this. Aside from I could be earning interest on the XXXX XX/XX/year> {$55.00} XXXX XXXX Rewards Points XXXX XXXX XXXX XXXX XX/XX/year> - {$55.00} XXXX XXXX Rewards Points REBILL - XXXX  XXXX XX/XX/year> {$55.00} XXXX XXXX Rewards Points CREDIT - XXXX  XXXX XX/XX/year> - {$55.00} XXXX  XXXX XXXX XX/XX/year> {$55.00} XXXX XXXX Rewards Points XXXX  XXXX XXXX XX/XX/year> {$55.00} XXXX XXXX Rewards Points XXXX  XXXX XXXX XX/XX/year> - {$55.00} XXXX XXXX Rewards Points

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 monetary relief
Consumer complaint received 2024-10-25 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt was placed in a bankruptcy and LVNV placed on he debt on my credit report as if I still owe the debt. The debt to is now passed the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, the Creditor cant produce the original contract WITH MY SIGNATURE, has not supplied insurance claim, payment history, proof that debt belongs to me. They sold my personal information to a collection agency without my approval or consent. IDENTITY THEFT. 
I do not recognize how this account is reporting on my credit report. I dont recognize the account number, account status, or charge-off. Everything being reported DOES NOT MEET THE FCRA Laws. 15 USC 1692 ( g ), validation of debts.

It has been more than 30days, so they are NOT IN COMPLIANCE. According to FCRA laws, this account must be removed/deleted. 

Please delete this account from my credit 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, the Creditor cant produce the original contract WITH MY SIGNATURE, has not supplied insurance claim, payment history, proof that debt belongs to me. They sold my personal information to a collection agency without my approval or consent. IDENTITY THEFT. 
I do not recognize how this account is reporting on my credit report. I dont recognize the account number, account status, or charge-off. Everything being reported DOES NOT MEET THE FCRA Laws. 15 USC 1692 ( g ), validation of debts.

It has been more than 30days, so they are NOT IN COMPLIANCE. According to FCRA laws, this account must be removed/deleted. 

Please delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The following accounts are involved : Accounts : XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$570.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$940.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$370.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$30000.00} XXXX XXXX  XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date XXXX XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Auto Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief