vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-11-10 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: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
This correspondence is in regard to the application submitted on XX/XX/ to CONTINENTAL FINANCE / CELTIC BANK, reference number/ application number XXXX by I XXXX XXXX XXXX XXXX Attorney in Fact FOR XXXX XXXX XXXX XXXX Which an adverse action letter was received on XX/XX/ via email. 

Please see the following attachments : 1, OFFER REJECTION NOTICE 2. CAF NOTICE, POWER OF ATTORNEY, FEE SCHEDULE 3.PASSPORT CARD

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Was emergency bill that insurance paid most and I paid the balance over 4 years ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
XX/XX/23 Insubmitted a request via Mohela site to get a refund of my payments made during the COVID pause. 

XX/XX/23 Mohela confirmed the refund request would be processed and could take 60 days for me to receive my money. 

Its been well past that, even if XXXX business days. The payment balance was adjusted to my overall balance by XXXX, so Ive been paying interest on money ( since XXXX ) on money I have yet to receive back. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Three Fraud charges from XXXX XXXX were reported. Two of them dated XX/XX/23 for {$150.00} ( reference # XXXX ) and {$100.00} ( reference # XXXX ) and XXXX dated XX/XX/23 for {$250.00} ( reference # XXXX ) was reported. 
Fraud Claim repeated denied by synchrony bank and I was told I authorized, participated in or benefited from fraud. I did not. These are not my charges. Three times I have contacted synchrony bank to explain that these are fraud charges and three times they were denied.

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
On XX/XX/2023 I was a victim of identity theft. The thief used my information to open a credit card with Apple Card/GS. They used the card to make purchases in the amount of {$3600.00}. None of these charges were legitimate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Im rewriting to express my frustration and disappointment regarding the recent denial of my credit card application. Despite having high income ( XXXX ) having good credit score XXXX and a good customer for over XXXX  years and meetings all the necessary requirements, I was denied credit! The decision seem unjustified and I think it is due to my race. I would appreciate a prompt review of this issue with Navy Federal Credit Union. On top of that no reason was provided as required by fair credit act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: NC

Complaint narrative:
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries has been submitted without my consent or knowledge. This is in fact proof of me being a victim of identity theft/fraud. These inquires need to be Removed immediately from all credit reporting agencies. Ive reach out to ever merchant listed above and i hav not got any response so i am reaching out to reportfraud.ftc.gov to provide this report from CFPB to have this fraud issue handled 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
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: TX

Complaint narrative:
Debt collection has been calling me continuously 2 times a day for the past couple of months even though informed them not to contact me. Because I didnt answer they proceeded to report the debt to my credit that was already there since XXXX. Now I have two different collection agencies on my credit trying to collect the same debt. One collection debt was opened on XX/XX/XXXX and the other was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
During the height of the pandemic I received multiple calls every week for months about this debt. I did not know that the laws of my state at the time and that the statute of limitations were changing from 6 years to 3 years. I had reached out to the company in XXXX of XXXX I reached out to the company to inquire about the debt. Since then this company has updated my payment history on each reporting agency. They've added that I made a payment on XX/XX/XXXX. This is a violation of my rights. I believe the company is attempting to reage the account and extend the time it stays on my report. I have asked for verification of debt and have received copies and letters with an address that I have no record of. I moved to my current address in late XXXX. The address on the letter from the original creditor does not match my current address. 

This company provided a letter from the original creditor dated in XXXX which I never received and it was not mailed to my address. Besides calling me constantly in an attempt to restart the statute of limitations on this debt, this company has provided inaccurate information on my report and is updating my report every month as an open account with a past due balance. A collection is already past due. I never made a payment and it is reporting as a payment was made or scheduled. I want Portfolio Recovery to be investigated for their practices, provide when was I contacted initially about the debt. I am required to have an accurate reporting and the update every month has caused new employment opportunities. 

This account has passed the XXXX in my state of NY which is 3 years. According to the records on file the original creditor sold the debt to Portfolio Recovery sometime between late XXXX to early XXXX. This account is passed XXXX. 

Please remove from my records for inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I require my complete credit report from Chex Systems because some of the accounts currently listed with them should not be included.

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 2023-11-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a CD online on XX/XX/23 with Citibank and selected for {$65000.00} to be transferred from my checking account to fund the CD. A few days later, I noticed that the funds were not transferred so I called customer service. I was told that the funds would be automatically transferred within the next 2 days. As of yesterday, it was not transferred, and the system did not allow me to move the funds online. I went to a branch to inquire, and the teller processed the transfer and provided a receipt. I confirmed that the funds were deposited in my CD account as I was able to view the balance online. Today, I logged in and the funds are missing. I called customer service and all I heard was that the funds were withdrawn, and the system is not showing a deposit to the CD account. I have a receipt from the branch, and no one seems to be able to figure out what's going on. Please assist.

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 2023-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
3 years ago I went to One Main Financial to get a loan. I was approved and my loan totaled {$8000.00} plus the interest and taxes it was explained to me that I would be paying back {$13000.00}. Well, that wasn't the truth unknown to me. 
After 3 years of paying on this loan I thought I was done paying on it. I got my bill for the month and it continued to show that I still owed the full {$13000.00} which made no since to me. I contacted One Main and asked them why I still owed so much. I was not given a straight forward answer at all. I was told that my interest accrued daily for 30 days because I only paid my loan once a month. At this point I had already paid over {$17000.00} on this loan. 
In XXXX I informed One Main I could no longer afford the loan payments because I am on a fixed income and {$480.00} a month was too much. I also informed them that at their earliest convenience they could come pick up the car listed on the loan. The car is still at my home. 
On XX/XX/2023 a police office showed up at my home and I was served papers. I had been notified I was being sued by One Main for a total of {$19000.00}. This total is the loan balance plus court fees. 
What I did not know is that at the time of signing for my loan the interest rate was 35.74 % the finance charges were {$15000.00} leaving us me owing them {$29000.00} that is a difference of {$21000.00} dollars. If I had known this was what I was being charged I never would have signed for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: TN

Complaint narrative:
I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I XXXX XXXX, have noticed unauthorized transactions listed on my consumer report. I would like to have these inquires removed because they are inaccurate reporting and are affecting me and my personal reputation. Here are a list of companies and dates of unauthorized hard inquiries that are on my consumer report, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-10 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: TN

Complaint narrative:
I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I purchased a XXXX through a XXXXXXXX XXXX. And wire transfer the money through my bank account ( chase Bank ) once I called to confirm the order with the company, I ordered from they stopped answering so I contacted the bank the second day and they claimed that they can't stop the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-10 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: TX

Complaint narrative:
I have sent in dispute letters they say accounts are verified but can not/ will not give me the proper Method of verification as the law states.

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