vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: LEXISNEXIS
State: KS

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am submitting a complaint regarding this FRAUDULENT Bankruptcies and for assistance to REMOVE them from my credit report immediately. These bankruptcies are hurting my credit score so bad. They are not mine! Attached you will also find my ID, and Proof of Address with my most recent bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention an issue on my credit report that requires immediate correction. Upon reviewing my credit report, I noticed the presence of late payments that I believe have been inaccurately reported. I kindly request your assistance in promptly addressing and rectifying this matter. 

I understand the importance of accurate credit reporting, and I value the integrity of the information contained in my credit file. However, I believe there may be errors in the reporting of late payments that are affecting my creditworthiness. To assist you in resolving this matter, I have enclosed copies of relevant documentation, including proof of timely payments during the periods in question. 

XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself oXXXX XXXX XXXX XXXX XXXX customer service representative XXXX 

I respectfully request that you conduct a thorough investigation into the reported late payments and take the necessary steps to either remove or correct them on my credit report. I am confident that, upon review, you will find that the reported late payments are inaccurate and do not reflect my payment history accurately. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate information be corrected promptly. I trust that you will handle this matter with the diligence and attention it requires. I kindly request that you keep me informed of the progress and any actions taken to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: GA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX  : Information Referral AND IRS form XXXX  : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-03 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
submitted a complaint previously. My concern is with the deceptive practices of these agencies without regard to " doing that which ought to be done ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Moore Law Group
State: CA

Complaint narrative:
This account is under investigation for identity theft XXXX XXXX has been notified and is in procession of all legal documents. This is the second time I have been victimized by the Moore Law Group.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello, So I recently opened a Venture one credit card with Capital One in my name ( XXXX XXXX XXXX. After a few weeks, I ended up earning over XXXX points that I would like to transfer into my travel loyalty program at XXXX XXXX. I have tried several times to use their convert rewards feature in the app to complete the transaction but havent been successful. I have made so many calls to Capital one to verify my number and resolve the issue but they havent been helpful. Please help me get this resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: Nelnet, Inc.
State: TX

Complaint narrative:
I want these student loan accounts removed under law that pass the statue date of 7 years which is illegal and by law under the Family Educational Right and Privacy Act of XXXX these should not be reporting on my reports. My other loans has been removed due to these laws and theses need removed as well. I will also seek damages as this has caused stress on me. The other law is the schools these loans came from has been closed and their accreditation has been revoked so that's another penalty that I ' am seeking damages for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: GA

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I DID NOT CONSENT TO, AUTHORIZE NOR XXXX FROM 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 2024-01-03 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: TX

Complaint narrative:
I DID NOT CONSENT TO, AUTHORIZE NOR BENEIT FROM LISTED ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XX/XX/XXXX. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any PROOF of validation to me. 


Best Regards, 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 2024-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I found a new derogatory remark for collections on my credit report from XXXX XXXX XXXX  for the amount of {$780.00}. I contacted the company on or around XX/XX/XXXX to attempt to gain information about the debt since the company they stated I owed money, XXXX, had already been paid off completely when I canceled my service in XX/XX/XXXX. They refused to give me any information and kept stating I can pay or there was nothing else to talk about. Approximately 45 days later I received a letter from them that had a copy of a bill from XXXX showing that I owed the amount but no additional information showing proof that the amount hadn't been paid, a statement of reason for charges, or anything. I tried to contact the XXXX  again and they told me the same thing pay or no reason to discuss any further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
The week of XX/XX/ I received a Target RedCard in the mail with a credit limit of {$500.00}. I do not shop at Target, and never applied for the store credit card. I called a number I found in the letter accompanying the card, and spoke to the fraud department at Target to have the card canceled and report the incident. They canceled the card and said I will be receiving information about my case in the mail, but I have not received that information yet. They also recommended I report the incident to the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Great day In continuation towards XX/XX/ notification from Penny Mac Financial, I have attached RESPA/TILA letters of requests. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: MA

Complaint narrative:
I had moved in XX/XX/XXXX and called Experian to change my address on my credit report to the new address. Not only did they fail to do so the first time after they said it was done. I called again explaining it was not changed and the same thing happened again. I called a third time and let them know this is my third time calling, I was told it was correctly done this time and I did see an update online but when I checked my credit report I was not able to check it. 

I was waiting for my address to updated so I can apply for credit for a {$2000.00} pre approval credit card and was denied and was told that it was due to no address being reported on my credit report. I also was trying to obtain business funding and couldn't 've done so until it was put back on my credit report. 

This has been since maybe XXXX or XX/XX/XXXX and have spent months calling them complaining about this, I was finally told that the representative deleted my correct address from ( 1 ) of the two locations where my address is supposed to be placed. The one they deleted, is the one that allows myself and lenders to check my credit report. 

They kept telling me that I would have to mail proof of identity using license and proof of address, I did so multiple times and kept getting responses saying that they dont believe the dispute was coming from me. I was also told to file the documents online which hasnt worked for months and they were made aware as well. This was all ridiculous since Id have to waste time and money on something that was an employees mistake. They gave me NO resolutions on the phone to fix their mistake even after speaking to a manager. This has caused me a huge inconvenience and wouldve been HORRIBLE had i been trying to get a mortgage. 

I havent been able to check my report or apply for anything for over 4 months. Im attaching proof of letters i sent them showing proof of delivery and signature as well as their repsonse saying they dont believe its me. I need them to place my address on my credit report. 

XXXX XXXX XXXX, XXXX, MA, XXXX D.O.B. XX/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 explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I deposited a check for my husbands annuity pay that was paid out to him from the XXXX XXXX, the bank said the check was fraud even though they received the funds, it has been over a year and they still have yet to release any funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-03 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: GA

Complaint narrative:
Review the attached documents. I ask the bureau to commence an inquiry into these accounts, as I am never late with payments, yet they are inaccurately marked as such.

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 2024-01-03 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: OR

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im begging you please remove this to the 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 non-monetary relief
Consumer complaint received 2024-01-03 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: GA

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a substantial amount of points with CapitalOne in their rewards program ( over XXXX points currently ). I always pay on time. Their system has an IT issue that has been happening for months now XXXX XXXX XXXX XXXX ) that prevents access for myself and to other consumers to our points. 

The customer service team literally told me they didn't know when or if I'd be able to ever access my points again and that one day, maybe, my phone number would be allowed, or it might not, and they didn't know why or if or when it would ever work to allow me access to my points. 

It's unacceptable that CapitalOne act with such capriciousness with the rewards they marketed and promoted ; I would not have used their product if I knew that I would not have access to the points I've earned through their program. They are unjustly and unfairly withholding promised and financially meaningful services with XXXX regard for resolving in a timely manner my access to said points. I have credit cards with a few other providers and none have this issue. 

Especially given the time sensitive nature of booking travel with the points, this has caused not only wasted hours on the phone but missed opportunities to book travel that is no longer available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
I pulled my credit report. I seen an unauthorized debt/collections of {$1200.00}. Reached out to ALLIED COLLECTION SERV to dispute. I let them know the debt didn't belong to me and ask for it to be remove. I've sent the dispute to creditor and bureau. The result came back verified. I filed a report with XXXX XXXX XXXX with case number XXXX because I am a victim of identity theft.

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 2024-01-03 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: IN

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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