vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-24 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: VA

Complaint narrative:
XXXX XXXX failed to report score along with bureaus accurately

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 2023-11-24 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: ID

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-24 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: ID

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
On XXXX XXXX, I got a notification from XXXX XXXX that my XXXX score has changed, when I double checked it through XXXXXXXX, it showed that Central Portfolio Control Inc has reported a medical bill to credit bureaus which has negatively affected my credit score immensely. I have not received any written notice, voicemail, or even an email regarding this bill. I was never given proof that this debt exists and I never had the opportunity to have this debt validated. I also never consented this company to have any information about me or my medical records. I have every right to be informed in writing and given ample time to look into this before such drastic action was taken against me. I have a very good credit history and this is the first derogatory mark in my record. This wouldn't have happened if Central Portfolio Control Inc has done their due diligence to inform me of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: VA

Complaint narrative:
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt, which shows on my report as " XXXX XXXX '', an collection account with a due of XXXX dollars. 

Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it on my TRANSUNION report. 

Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 
Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: NV

Complaint narrative:
There is an unauthorized account from XXXX XXXX XXXX and XXXX XXXX XXXX Ive never had service with either of these companies and on XX/XX/2023 they reported a collection account in my credit report. This account does not belong to me and is unauthorized. There are also unauthorized inquiries from XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX 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 explanation
Consumer complaint received 2023-11-24 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have no knowledge of this stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I asked specifically that I hear the calls that were supposed to be recorded when I was trying to get a modification on my mortgage. This was during the time that the government was bailing out the banks. They said that they would take care of that themselves. If any incriminating information was on the recordings, I often thought, why would the company tell on themselves? Furthermore, when I first sent in the complaint, one vice president sent me a letter and said that Wells Fargo " are unable to complete your request to share the recorded phone calls as it has been more than seven years since the last account activity. Documentation is retained for seven years ... ..such information could not be remitted to you without a subpoena from the courts. '' Then afterwards when I talked to another vice-president, she said she would hear them. She then gave me a summation of what the calls were for about two months. So I got two different responses talking to two different people. I would like a third party to be involved when listening to the tapes. I would also like to know if any of the recordings have been erased. I would have requested this long ago when I had an attorney, but I was unaware of the regulations and responsibilities that an organization like the CFPB could provide. Wells Fargo has shown a CONSISTENT PATTERN OF FRAUD, FINANCIAL ABUSE, AND EGREGIOUS CORPORATE BUSINESS DECISIONS TO TAKE ADVANTAGE OF WHOMEVER THEY COULD TO REAP PROFITS. I have been trying to get this matter handled since XXXX. When I filed complaint last year, I did not know about the lawsuit from the CFPB, I was told that something was going to be done on my behalf and nothing was! Even the CEO of Wells Fargo said after the fine was done that more money may be given for the mortgages. They do not want to pay me for the harm they have allowed me to suffer these past 13 years.

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 2023-11-24 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: GA

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 2023-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
I'm a member of the class action lawsuit Sweet vs. Cardona. On XX/XX/, I received notice that my loans would be forgiven and that I would receive more information regarding forgiveness in the coming months. On XX/XX/, I received a payment plan for the loans that are a part of the lawsuit and are set to be forgiven. On XX/XX/, I noticed that my loans were no longer in forbearance and that the loans showed they were in repayment. I emailed Aidvantage regarding this and never received an email back. Then on XX/XX/, I called Aidvantage to see what was going on, to which the Rep, XXXX, mentioned that they didn't know why this was happening and that the account would be placed on hold. On XX/XX/, the account still shows a payment date and that the forbearance is ending. I want to understand why the US government allows this company to continue to defraud people. And why I haven't received my relief, refund, and credit reconciliation, as the date for when the lawsuit terms should be fulfilled is quickly approaching. Do your job and protect defrauded borrowers who have suffered enough from this horrendous mishandling. This company is not fit to handle federal loans, and the government already knows this, but it continues to fail millions of borrowers daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
STATEMENT DATED XX/XX/20 FOR XXXX XXXX FOT THE AMOUNT OF {$230.00}. IT FROM A CREDIT CARD FROM XXXX WHOLE SALE STORE WHICH I NEVER NEW I HAD. OR OWN.? I ALLWAYS USED ANOTHER CC FROM BY BANK. NOT THE STORE BRAND CC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I was a victim of identity theft in XXXX of this year.I placed a security freeze on my credit report as a result. there was a fraudalent purchase made on my credit card on XX/XX/XXXX at XXXX. the purchase was made at the same time on XX/XX/XXXX I was present at work at that actual time.I called the credit card company and disputed the charges. the credit card company contacted me on XX/XX/XXXX to inform me that their investigation for the disputed charges was not in my favor and i will be rebilled for the charges on my credit card account.the credit card company did not ask for documents during their investigation until after XX/XX/XXXX when they denied my disputed charges. i provided documents to the credit card company and waiting to hear back regarding my documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-24 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: Credit Karma, LLC
State: VA

Complaint narrative:
credit karma failed to report score along with bureaus accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: VA

Complaint narrative:
XXXX XXXX  failed to report score along with bureaus accurately

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 2023-11-24 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: TX

Complaint narrative:
I ask Experian, XXXX XXXX, XXXX to take bankruptcy off my credit report and they decline to take it off. Also the private credit ( Experian, XXXX XXXX, XXXX ) reporting agencies are monetizing off my report. I very upset because my credit is effected, my family is suffering with this problem. I stress out and this has made me very depress ... On the United States Bankruptcy Court XXXXXXXX XXXX of Texas does not report information to credit reporting agencies...... So they took my information to monetizing...... .this violated Fair Credit Reporting Act 15 U.S.C 1681 c ( a ) 1 Experian XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-11-24 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 XXXX 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 2023-11-24 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: TX

Complaint narrative:
On XX/XX/XXXX I received my tax return from the IRS and on XX/XX/XXXX i got an email saying that my account was suspended and to send my ID so they could verify my identity. I did that, then a day or 2 later I get and email saying, thank you for sending your ID but we have permanently XXXX your account and will hold the funds for 180 days! No reason, no explanation just said a user agreement violation. I have sent them pictures of my ID, me holding my ID and proof that the deposit id from my tax refund. I get another email XX/XX/XXXX saying not to reach back out they will not answer any further questions. I have no idea what I did besides send some money to my nieces on Venmo to their accounts. I just want my money released. This has put me in a very very bad living situation financially. That money is all that i have. I have attached the same documents I sent to Venmo when they banned me! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This complaint is towards Equifax. 


Dispute was filed with Equifax XXXX Investigation completed XX/XX/XXXX Result : Instead of removing the false collection account from account they updated it to paid in full. This is not an acceptable outcome as this will cause irreparable harm if I am denied a lease due to reporting of having owed a previous landlord. and if this occurs I intent to pursue legal action against Equifax if this occurs. I never owed any balance nor made payment. The lease was paid in full and I have documentation of all payments. 


Reporting collection company : XXXX XXXX XXXX XXXX XXXX : Amount reported was {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Friday, XX/XX/XXXX, my husband and I went to a Chase Bank agency with the purpose of opening a business account, but we found ourselves with the limitation of not being able to do it because, being from XXXX with an approved TPS ( Temporal protection status granted by the Department of Homeland Security ) which has currently been renewed until XX/XX/XXXX, we currently find ourselves with an expired passport without being able to renew it given the particular circumstances of XXXX. It seems discriminatory to us not to be able to open an account in this Bank because not having a valid passport can not be used as primary identification ( according to Chase ), however we have a current driver 's license issued by the state of Florida as well as the permit of work ( EAD ) which is valid until XX/XX/XXXXXXXX  due to the automatic extension applied to these work permits issued with the approval of the TPS of the year XXXX. 
he United States government has accepted and recognized the expired passport of XXXX  in many immigration processes and we currently do not know of any law or sanction that prevents the opening of bank accounts for having this expired document. In fact, we understand that there should be no discrimination or different treatment for not being citizens or permanent residents of this country in processes like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was offered a promo to switch credit card ending in XXXX to XXXX XXXXXXXX XXXX and get XXXX miles After not getting the miles promo I contacted customer service and they said rep made a mistake and shouldnt have offered that promo Thats misleading thats breaking advertising laws and I want what I was promissed

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