vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-21 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: LA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-21 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: LA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-21 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: MS

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
After several intense recruiting calls from thXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) I enrolled into their XXXX XXXX XXXX XXXX XXXX in 2006, taking out many federal and private loans to attend this school. I have since suffered a great deal of financial harm, emotional and mental damage, and professional difficulty as a result of their misrepresentation of their hiring rates, graduation/completion rate, and abusive and confusing lending practices. I am a member of the XXXX XXXX XXXXXXXX, so my federal loans for this predatory college have been forgiven, however, despite many calls to Navient 's private loan department over the years, they refuse to give me a discharge despite several lawsuits and several rounds of loan forgiveness for The XXXX XXXXXXXX XXXX XXXX XXXXXXXX . I ask that the CFPB review my case, as I feel I took out these loans for a college that was predatory in their approach in recruitment and financing and completely misrespresented the value of their degree ( which is essentially worthless, barring me from an opportunity to pursue a XXXX XXXX in my field of study ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
I have been making extra Principal payments every month by mail, in addition to the payment automatically made each month via my checking account to Mr Cooper. Along with the Payment and payment slip I have had a note with each payment that the check is to be applied to Principal Amount of the debt only. Instead of applying the extra payment to Principal only, Mr Cooper has applied the payment to Future Interest/ Future Payments, that quite frankly will not exist ( I am paying them off entirely in XX/XX/2024 and have stated so in phone and written correspondence for the past year. The latest shenanigans by this predatory Bank has been to apply extra principal into a unapplied Suspense account to unknown purpose. It's as if they don't want me to pay off the account or something and are using my money for nefarious purpose I can not fathom. I have enclosed the latest statement with their application and my notes on the statement itself. I want Mr Cooper after applying the $ XXXX payment I made in May to send me a pay-off letter ( after applying the " Future '' payments, and all of the money they have withheld in suspense and other mysterious accounts that they are earning interest on to my debt ) on the first business day in XXXX with exactly what my pay-off is as of XX/XX/2024. Upon receipt of said payoff letter I will send in a final payment and be done with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: PA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bright Capital Inc
State: NC

Complaint narrative:
T

he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. I recently reviewed my consumer report and noticed an incorrect late payment record on my BRIGHTCAPITA XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
My Venmo account was closed on XX/XX/year>. I was told that I had broken the agreement and I needed to provide the correct documentation to proceed. I provided all of the info and then they told me that I had violated a user agreement. I requested to see what exactly I had violated and they refused to disclose the information. I just want my money out of there so I never have to use Venmo again. I have to wait 180 days to get it back so I am starting documentation now to make sure I receive it at the 180 day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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:
After examining my credit report, I observed inaccuracies in the listed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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:
After examining my credit report, I observed inaccuracies in the 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 explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I attempted to purchase a washer and dryer from XXXX online in XXXX of 2024. Long story short, the dryer delivered did not work, so I refused delivery. The dryer was taken back with the understanding that a new dryer would be delivered. The new dryer was never delivered and I was told days later that the washer and dryer should have been returned together. At this point I told them to come get the washer, which had not been used, and to cancel the entire order. They came and took the washer the next day. In XXXX of 2024 I get a report that I have a bill 30 days delinquent from XXXX, which is the company that provides financing for XXXX. I explained this to them and was given the run around despite every operator confirming that my account did indeed show that the items had been returned/refused. They also did not seem to understand that they needed to report this error to the credit agencies as this had caused my credit score to drop XXXX points. So I lodged a complaint with the XXXX  on or around XX/XX/year>. This prompted XXXX XXXX an Executive Case Manager | Executive Escalations Support Group | eCommerce | XXXX XXXX XXXX to contact me promising to fix the issue as he could see that the items had indeed been returned/refused. 
Today, XX/XX/XXXX, I received an email asking me to confirm that I no longer had the items. After 15 days, that is the email response I get? Meanwhile, my credit score continues to drop and there has been no mention or attempt to mitigate the issue with the credit reporting agencies. I did open a dispute with the credit reporting agencies but have heard nothing back as of now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly 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 2024-05-21 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:
The payment history for account XXXX is absolutely inaccurate. I contacted the creditor to inquire about the payment history, and they informed me that the credit reporting agencies are not correctly furnishing the information that the company is providing. Please explain how you first reported this account 120 days late in XX/XX/XXXX, after you reported that it was in collection XX/XX/XXXX? You are also reporting 120 days late XXXX XXXX XXXX which is not possible. Due to your obvious gross misconduct and false reporting, I demand that reporting of this account is ceased until further investigation is completed. XXXX has deleted this account. This is a fair warning before I am obligated to move forward with legal action due to the clear errors on my consumer report. I have attached my credit report to show the many inaccuracies and inconsistencies between the 3 bureaus.

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 2024-05-21 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: MA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXXXXXX XXXX XXXXXXXX

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 2024-05-21 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: MA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
In good faith, I submitted an application for the XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Got denied an extension of my credit via online response. 
Attempted to rectify a reconsideration on XX/XX/XXXX to receive valuable consideration for my negotiable instrument ( security ) that American Express retained. 
I then applied for the Platinum Card and on XX/XX/XXXX I submitted certified letter USPS mail to Investor Relations making them aware of American Express ' prospectus that relates to a firm offer of credit and XXXX is the offer made to investors. Once I submitted an application and it's securitized, I became an investor according to American Express prospectus. The application is a receivable that it securitized and transferred into the Master Trust and Issuance Trust. In doing so, American Express Bank funds receivables and loans through asset securitization. Through this process, the application ensures enough value to prepay my deposit security accounts.

I know no company wants to participate in fraudulent dealings, hence I requested American Express to do what they said they would for me as an investor. I did not receive any benefit for value given. I requested both securities back via traceable mail if cards were not being issued. 

For reference : XXXX XXXX XXXX Emailed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am the executor of a XXXX account for my grandson with Truist Bank. XXXX XXXX and XXXX XXXX is the account holders. My grandson XXXX XXXX XXXX XXXX. Starting in XXXX of this year my identity was stolen, I have numerous issues with my accounts being hacked and fraudelent charges being made on my account. I place a complaint against XXXX XXXX and now the same issue is happening with Truist. I filed the XXXX dispute in XX/XX/year> and the funds were refunded. The operator that handled the dispute with Truist advices me that she would put a flag on the vendor and any charges attempting to be made from that point would be flagged. Well that was the biggest lie I have been told. The entire check was taken again this month. As of now his account in over {$500.00} in the negative. I shut down the debit card and charges are continuing to go through. When does it end. Now they have denied my refund against being defrauded and this is government funds. Not a paycheck. this is a XXXX account used to care for a XXXX child. Now id you file a dispute with an official bank not a prepaid bank and they refund your money once and then the same charges are made again against the same account wouldn't that be a RED FLAG send out a notification or a call stating hey are you making these charges. But not one red flag or call and they allowed this to happen not only take the entire XXXX check but continue to allow charges to got through until the account is over {$500.00} in the negative. I am appalled at these banks that allow fraudulent activity over and over and over on the same account and not once try to intervene. i need this money back to care for this child and i feel the bank should have caught this a second time around. Please Help!!!!!

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