vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result 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 2024-12-09 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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

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 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I am writing to request validation of the debt you have contacted me about, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication dated [ insert date of the communication ], regarding an alleged debt.

Please provide me with the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A copy of the original contract or agreement that demonstrates my obligation to pay this debt.

4. A complete payment history of the debt, including any fees added.

5. Proof that you are licensed to collect debts in my state ( if applicable ).

Until I receive this information, I request that you cease all collection activities and refrain from reporting any negative information regarding this alleged debt to the credit bureaus. 

Please send your response to my address listed above. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
I have an apple card account with Goldman Sachs and I called to try to find why I am not able to pay extra on my card balance. I was told that the system doesn't allow me to pay extra. I also asked what my balance was because it is not clear. I have to go into my account details which tells me my credit limit, I can then subtract the available credit to come up with my balance. No where on the card details ( I access this on my cell phone ) does it clearly show my actual balance. I was speaking to a young woman who clearly stated that the system doesn't allow me to pay extra on the card, since it it interest free, I can only pay the autopay amount. 
I then asked why I have a credit balance of {$410.00} and she attempted to explain. I asked if that credit amount could be used to pay on my balance and was told no I can't do that, the system will not allow that. I asked to speak to a superivisor and was transfered to someone named XXXX ( ID XXXX ) who reiterated the same thing. I said this doesn't make sense because they are holding my money XXXX. He then told me if I didn't make my monthly payment they would deduct it from the $ XXXX ( would this mean a late fee ) I asked him if on the next autopay I paid off my balance what would happen to the {$410.00} and he stated that he didn't know. I have never experienced anything like this and was dumbfounded. How can they not let me use my money ( the credit ) I asked if they would send me a check and he wasn't sure. I asked him the name and contatc information of his supervisor and he said he didn't have one, that he sends his complaints to a team. I asked who was the head of the team and he said he didn't know. This is clearly not a way to do business especially since goldman sachs had already been fined for the same lack of transparency and poor business practices. My case number is XXXX I repeated it back to him so there was no mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: MA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
" To Whom It May Concern at Citi Bank, I am writing to express my concern and frustration that my account has been locked and is being held for 'review ' after depositing my IRS refund check. Despite having previously deposited larger IRS checks without issue, I feel unfairly targeted and discriminated against.

I have attempted to resolve this issue by contacting the Fraud Department, but unfortunately, I feel I am not receiving the assistance I need and am instead being given evasive responses. 

I request that you promptly review this matter, provide a clear explanation for the account lock, and restore access to my account. 

Account details : [ Checking account number XXXX ] I would appreciate it if you could also provide a formal investigation into this matter and take necessary steps to prevent similar incidents in the future. 

I will attach my PDF 2022 tax return below I look forward to a prompt resolution. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.

Complaint narrative:
Blockchain stole my funds over {$3000.00}. I sold XXXX for over {$1500.00} and was supposed to receive USD in return I have not received it. I contacted the customer support they said my funds are safe with then and a different department will contact me. It has been XXXX month and no one has contacted me, I have sent all the documents showing the transactions which they have confirmed. I have sent over XXXX emails and no one is answering me. Today I got another email stating that they suspended my account so the remaining funds over {$1500.00} in my account I do not have access to. So I have no other choice than to believe that they have stolen my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXXXXXX XXXX ACCT # XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX As outlined in 15 U.S.C. 1681, I believe the following provisions have been violated : Section 602 ( a ) : I have the right to privacy and confidentiality regarding my credit information, which has not been respected. Section 604 ( a ) ( 2 ) : Consumer reporting agencies are prohibited from furnishing an account without my written consent or instructions. This provision has not been followed in my case. Section 1681c ( a ) ( 5 ) : No consumer report should contain any adverse information that predates the report by more than seven years, which I believe applies to some of the information listed. Section 1681s-2 ( a ) ( 1 ) : A person shall not furnish inaccurate information to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. The information regarding XXXX Account # XXXX is false and should 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 non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I originally had federal student loans, but they were consolidated without my authorization. I was on an XXXX XXXX  ( XXXX ) plan, and I was informed that my loans would be forgiven after 20 years of payments. However, upon reviewing my finances, I discovered that I began repaying my student loans in 2005 with a total balance of {$44000.00}. Now, 20 years later, my balance is still {$29000.00}, despite having paid almost {$40000.00} over this period. 

At some point, it appears my federal loans were improperly converted into private loans without my knowledge or consent. This illegal action caused me to lose the protections and benefits of my federal loan, including the XXXX plan and its forgiveness timeline. Additionally, during the XXXX pandemic, I deferred my loans under the assumption that they were federal, meaning no interest should have accrued. However, I now see that interest was charged, further increasing my balance. 

This situation has significantly impacted me financially. I believe my federal loans were mishandled, and as a result, I am still paying on a balance that should have been forgiven. After 20 years of payments, I should no longer owe anything. I am seeking assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
15 USC 1692c ( c ) law states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. Debt was paid to delete, yet still remains on credit reports.

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 2024-12-09 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 strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-12-09 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: GA

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had the Care Credit Credit card since XXXX. I had a Bankruptcy back on XXXX which was a XXXX XXXX, which I paid at least half of it and it has been XXXX. Since then I have opened up accounts that I have no problem 100 % payments in all my credit cards and bills. I dont understand why in the world they will close an account that I have a history for at least XXXX years of payments 100 % with telling me that my Bankruptcy caused my account to be closed since your company sent the information to them they felt that they wanted to close it. This is very unfair because I have done what I need to do to make sure that I started Fresh after and this is totally unacceptable. I have already called them numerous times and they said the information came from XXXX XXXX so therefore they have the right to do this, but I can go ahead and reopen another account now. How on fair is that part all that work that I did went down the drain.

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 2024-12-09 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:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I checked my XXXX XXXX and Equifax credit report noticed inaccurate closed accounts information. I contacted the three major credit bureau 's and asked them to remove these closed accounts. XXXX XXXX  credit card with a balance of {$740.00}. XXXX that's reported on my XXXX that's not accurate with the XXXX XXXXXXXX account balance of {$720.00} on XXXX credit report also Equifax credit report since they're obviously inaccurate balances and dates reported on XXXX different closed accounts the second one is XXXX XXXX again with a balance of {$320.00} on my XXXX credit report but {$320.00} on my XXXX and {$320.00} on my Equifax credit report so also not accurate across all Three major credit bureaus. The XXXX closed account is XXXX XXXX credit card on my credit report shows a balance of {$670.00} on my XXXX credit report and {$600.00} on my Equifax credit report so there for that's not accurate as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I checked my Experian XXXX and XXXX credit report noticed inaccurate closed accounts information. I contacted the three major credit bureau 's and asked them to remove these closed accounts. XXXX XXXXXXXX credit card with a balance of {$740.00}. XXXX that's reported on my XXXX that's not accurate with the XXXX XXXXXXXX account balance of {$720.00} on Experian credit report also XXXX credit report since they're obviously inaccurate balances and dates reported on XXXX different closed accounts the second one is XXXX XXXX again with a balance of {$320.00} on my XXXX credit report but {$320.00} on my Experian and {$320.00} on my XXXX credit report so also not accurate across all Three major credit bureaus. The XXXX closed account is XXXX XXXXXXXX credit card on my credit report shows a balance of {$670.00} on my Experian credit report and {$600.00} on my XXXX credit report so there for that's not accurate as well.

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 2024-12-09 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: FL

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