vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2023, I submitted a formal letter addressing multiple inaccuracies and unfamiliar entries on my credit report. Despite the stipulated time frame of over 50 days passing, I have yet to receive any response or acknowledgment of my dispute.

As per Section 611 ( a ) of the regulation, failure to investigate these discrepancies within 30 days warrants the immediate removal of said items from my credit report. The prolonged delay in rectifying these errors is unacceptable, and I insist that these accounts be promptly deleted in accordance with the law.

Furthermore, it's important to note that my personal information may have been affected by the Equifax data breach, raising concerns about its security. This situation compounds the urgency of resolving these issues swiftly and accurately.

I urge your immediate attention to this matter and request the swift deletion of the erroneous entries from my credit report. Failure to address this concern promptly may compel me to pursue legal action due to the distress and inconvenience caused by this prolonged negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: CA

Complaint narrative:
I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: NV

Complaint narrative:
This is my formal complaint to EQUIFAX. I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the bureaus. They have advised me that they will conduct the investigation for the status on my accounts however, as I reviewed my recent report nothing has change, incorrect and inaccurate information are still reported. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
There is no way to confirm amount and date of future payment as the online website does not show them. I called and was told by supervisor that she could not even see the payment I did for the minimum amount due of {$240.00} on XX/XX/2023. She insisted that I did not make XXXX when I am sure I did. Either they deleted it and is hoping that I do not make another so that they can charge me a fee for a missed payment or it will post. People who do not want duplicate payments to hit are at risk of charges if they don't remember if they made the payment and have no way of confirming date and amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: TX

Complaint narrative:
Please see the attached response letter from XXXX XXXX XXXX and remove the account from my credit report. Experian is in violation of the FCRA due to inaccurate reporting. The company has stated that the account was closed from their offices on XX/XX/2023 due to unverifiable information. XXXX and XXXX have since removed this account. I am requesting that the following account be removed within 14 days, or I will be seeking litigation against Experian. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
MOHELA will not respond to secure messages. They will not complete their work. They will not put me in the correct kind of forbearance while they finish their work. For 4 months I have been trying to work with them and nothing. Finally they sent a bill, which is absolutely incorrect in every possible way. 

I need help making them do what they are supposed to do. I just need help, they won't help me... I keep reporting this to XXXX, they either can't or won't help, and now I'm really just getting tired of this situation. 

The answer can not be " Well call a CSR on the Phone '' no, sirree it can not be. I have neither the time, nor the inclination to sit on hours long holds only to either be disconnected or to be given incorrect information that can not then be referenced easily, later. 

I just need help and no one seems to care enough about my situation to assist including the DoEd and MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of XXXX, EXPERIAN AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-11-21 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX and Transunion reported that an open account was closed. My credit score was negatively affected by this false report and my score decreased by XXXX 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 explanation
Consumer complaint received 2023-11-30 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: NJ

Complaint narrative:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES 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

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 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NC

Complaint narrative:
I hope this letter reaches you in good health and spirit. The reason why Im writing is because I want to complain about when I call and talk to agents about my Discover credit card regarding the balance transfer what do I need to pay on top of the minimum payment to avoid interest they are not giving me the correct information. They are giving misleading, confusing and wrong information. Im really just calling to clarify to make sure so my payment I just made was {$150.00} the minimum payment {$130.00} plus {$20.00} of a purchase to avoid interest on this cycle of XXXX. I called to clarify one agent gave me the wrong information said I need to pay my full balance without paying attention to the details of my account so then I ask to speak to a supervisor told me that I needed to pay {$6000.00} and something but that is the balance transfer that is under no interest for a year with the promotion she also told me its hard to avoid interest on a credit card its always a chance you can get charged interest which that isnt true either. I got so frustrated I hung up the phone. I called back and requested to speak to a supervisor and she told me that in needed to pay the minimum payment plus the balance transfer fees and the transaction/purchases I made but I told her the fees were paid with the balance transfer which isnt due until a year from the balance transfer date to avoid interest. I believe the {$150.00} payment is correct but your agents and supervisors needs to be more aware of my questions and how balance transfer work with promotion plus transaction/purchases to avoid interest. I just wanted clarification and they confused the situation even though I believe I understand what Im doing and the very first agent that explained to me when I made my first payment of {$800.00} something right after the balance transfer explain to me correctly. The agents I spoke to that gave me different confusing information makes me not want to ever due the balance transfer again. I know my transactions/purchases have a promotion on the interest but I still want to avoid interest all together so I know I need to pay minimum payment plus anything purchases I made in that billing cycle and I just wanted to be reassured. Can you please clarify if Im doing it right and the payment I made for XXXX of {$150.00} is correct? I also want to complain that on XXXX my debt card with Discover was having technical issues I was not able to pay for my sons Birthday cake by XXXX XXXX certain time for a deposit on the cake for the specialty cake to be made and my sons Birthday was Monday XXXX and he turned XXXX. He was very disappointed. I been a customer for several years and I deserve great service. Hopefully going forward this will not happen again. Thank you very much for your time. Have a wonderful day and please continue to be safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Venmo froze my account and the contents of my wallet. I have given them the information they requested multiple times. They claim they suspended my account to protect me. My case number is XXXX XXXXXXXX All I want is for them to allow me to transfer out my wallet to my account at XXXX XXXX XXXXXXXX and then they can close my account. 

Their support team is overseas and they are not responsive. I am so unhappy please help their email is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I opened a CD with US Bank with an opening balance of {$20000.00} in XX/XX/2023. I wanted to close the account because I am actively looking at homes and want the funds available to do what I need to do. The term was 19 months and while I understand that I am at fault for breaking the contract but I would never ever believe that a reputable bank like them would take money from my principal. I understand them taking back their interest payment but to take back all their interest payment plus nearly {$500.00} from my principal I believe it a a bit of an overkill and unethical business practice. They profited from my principal for 4 months and they still want to charge a usury fee this time is truly unfair and dishonest business practice by a bank. How can they get away with stealing from customers its almost loan sharking and I believe this is unacceptable behavior. Can you all please help me because this is not fair to customers and who can champion our cause and concerns if not CFPB.

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 2023-11-21 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: DC

Complaint narrative:
I opened a XXXX Believe credit card ( a secured credit card ) with my bank, XXXX. XXXX advertises this card as a way to build credit since it is a secured card. With my XX/XX/2023 XXXX XXXX update, I saw my score dropped by XXXX pts ( depends on which provider gives me this info but it is also through my TransUnion report ). The reason given for the drop is that I exceeded 100 % of the credit utilization, which is not possible. My TransUnion report lists the balance on the card as {$20.00}, again there are no " balances '' since it is secured I immediately filed a dispute with TransUnion but XXXX said there was no error and refused to adjust my score. I have filed a new dispute. 

I have also contacted XXXX, my bank, to ask why incorrect information is being reported to credit agencies. They got back to me saying they correctly reported everything and to speak with XXXX. 

I do not care whose fault it is. I just want the score fixed. There is no reason that a secured card should cause a XXXX XXXX to drop by XXXX 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 non-monetary relief
Consumer complaint received 2023-11-21 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: NJ

Complaint narrative:
I just want to complain since I could not figure out which experian credit report is to be answered. I received two Experian reports online. One came from XXXX ( XXXX ) and another was XXXX ( XXXX ). It looks that both of them want me to call them to delete the statement of military. However, they indicate different telephone numbers, I am not sure which one I should contact. Anyway, I wonder what kind of proof I will submit.

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 2023-11-21 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: VA

Complaint narrative:
As the authorized representative im acting on behalf of XXXX XXXX XXXX implementing my consumer/beneficiary full rights, protection and privacy, over the years i wasn't knowledgeable enough to properly perform on the duties to satisfy my contractual obligations but all has changed thanks to my XXXX and XXXX XXXX XXXX XXXX My discovery is that these Consumer Reporting Agencies are doing unfair practices blocking me from my rights to receive my XXXX given rights to credits for Personal, Family and household purposes, because of the negative things showing publicly to oppress me and lose public confidence, the opt-out disclosure was unconscionable because if i was fully aware i would have never agreed to disclose information pertaining to my experiences and transactions for any CRA to gather from any financial institution that im a party of and doing business with. Any late payments reporting showing my credit usage and payment history is not something I consent to nor would have agreed to if i was given full disclosure conspicuously. Therefore I need The CFPB to escalate this enforcement by blocking all payment history and credit usage from showing publicly on all CRA 'S. I expect this matter to be to my satisfaction in 10 days.

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 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/19, I received an email from Capital One asking me to verify my account for a Quicksilver Credit Card that I never submitted. I checked XXXX and the hard credit inquiry had shown up on my account as well. I called Capital One, and they told me the Quicksilver card application was marked as fraud. I also called XXXX and told them to remove the hard inquiry.

Company response to consumer: Closed with non-monetary relief