vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 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: GA

Complaint narrative:
I have 4 unauthorized hard inquiries on my equifax report. I have sent letters for them to verify and have them removed and equifax failed to do so. I called all 3 companies and they said to call equifax. My credit was frozen XX/XX/XXXX and again on XX/XX/XXXX and these inquiries occurred when my credit was frozen which is a fcra violation XXXX XXXX on XX/XX/XXXX and service loan on XX/XX/XXXX as well are unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: 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 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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am TIRED! The XXXX credit bureaus are still practicing bias on XXXX consumers regard their credit scores. For over 2 years, i have worked hard to build my credit which all score were close to 660-680. for months, i did not use my credit cards and my credit use dropped under XXXX percent. because of inflation and const of consumer products have gone up. I had no choice to use my credit cards, they DROPPED MY SCORE SIGNIFICANTLY! decreasing from 10-35 points! during A SOCIAL ECONOMIC CRISIS. However, when I paid my balance off in less than 30 days, I only get points of 1-10 points BACK! I am a XXXX woman of XXXX, who has worked diligently to at least build a fair credit rating. The bureaus make it difficult to build a decent credit rating and penalize consumers for increasing card use when prices for products, including gas has significantly gone up! I am trying my best to build my credit, and now my credit score was deducted another 5 points for a new credit card ( hard credit pull ) ... are they serious? We are trying to survive and just live! consumer have no choice but to rely on credit cards for their basic essentials. However, I pay off my credit cards only to get a couple of points back. How are they deducting points from consumers in an economic crisis? I want my scores restored, please

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 2024-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
This company is charging XXXX % and have paid {$2500.00} thus far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I opened A 3 month saving account with 4 % interest rate for the 3 months and at the end of 3 months was not given my 4 % interest I was given less than 1 % interest

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 2024-02-09 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: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this 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 non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I noticed that my most recent credit report contains [ a late payment/payments ] reported on [ XXXX ] for my Loan account. Two credit bureau reported this. I submitted proof I did not pay late. They are still claiming it's my fault due to processing error on thier end. One of thier staff gave me extension.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: NY

Complaint narrative:
I am a victim of identity theft. there are inquires reporting on my consumer report that I did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SinglePoint GI
State: FL

Complaint narrative:
General revenue corporation called my phone and I couldnt answer at work they left a voicemail. Then proceeded to call my husband. I did not give them permission to contact my husband or inform him about any debts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: EdFinancial Services
State: IA

Complaint narrative:
In XX/XX/year>, I noticed that my bank account showed my funds being pulled for auto withdrawal to my Edfinancial account. However, my Edfinancial account says that I have yet to pay them. I called regarding this in XXXX, and they said they would submit it to the financial department for resolution. However, it still needs to be resolved. 
Then, I called again in XXXX and was told the same thing. It was never updated, and I never received a follow-up phone call. 
Next, on XX/XX/XXXX, I spoke to a customer service person named XXXX. She also submitted it to the financial department as an emergency. It still needs to be updated and followed up. 
Then, on XX/XX/XXXX, I took off work to resolve this problem. I spoke to a woman named XXXX, who was talking to " someone who could fix it, '' and was disconnected. She never called back. I then called back and spoke to XXXX, who told me it was submitted as " an emergency '' and did not move anything forward. Then I called back and talked to a woman named XXXX XXXX, who kept me on the phone to try to get it resolved with the financial department. She said the " emergency '' was put forth on XX/XX/XXXX and can take 7-10 business days. She stated she would take my issue to the financial department and call me back. She did call me back and said the following : " I did get word that the error has been corrected, and they were able to search those down and apply them to your account ; allow it to 24 to 48 hours to show it's reflected, and I will also leave notes on your account... and I will keep an eye on your account.. .. '' Unfortunately, it has not been updated and does not reflect my payments. 
Then, on XX/XX/XXXX, I called again on my way to work and spoke with who I believe was named XXXX, who also said it would take 24-48 hours. And now, it is Friday, XX/XX/XXXX, and my account still needs to be updated to show my payments. 
I am at a loss as to what to do. I have requested to speak to the financial department that all customer service reps refer to and need to request aid from. However, I am told that it is impossible. I have asked to speak to a supervisor and was told it is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I called Citi Bank Card Customer Service to report a change of address. Their representative, XXXX, wanted to speak with the primary card holder, but that person is deceased, so XXXX immediately transferred my call to the Estate Department. XXXX, at this department, immediately canceled the card and said that I could apply for a card in my name. She transferred me to another person who took the information for another card. I was subsequently denied a new card in my name for no apparent reason. 

On XX/XX/XXXX I called Citi 's Customer Service to verify what was needed to redeem the points accrued on the closed credit card. XXXX, in the Probate Department, advised that I had year to redeem the points. On the same day I wrote to Citi 's Thank You Service Center, providing a Death Certificate and mailed the letter on XX/XX/XXXX. 

On XX/XX/XXXX I received a letter from Citibank, NA Customer Service stating that they, " are unable to approve this request because we did not receive the necessary information within one year of the cardmember 's passing ''. 

The points accrued on the account total {$380.00}. I have been an authorized user of this card since XXXX. My name is on the card. And, I earned the accrued points.

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 2024-02-09 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: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this 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 2024-02-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN 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

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 2024-02-09 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: NY

Complaint narrative:
I am a victim of identity theft there is an a account on my consumer report that does not belong to me

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 2024-02-09 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: EQUIFAX, INC.
State: OR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Mom passed away in XXXX. Dad has XXXX and is bedridden. I have POA but have be denied access to the account. We need the money to pay caregivers for my fathers care. My attorney thought it was solved. Wrote a {$25000.00} check to deposit into a trusted bank and they returned it. When I call or go there I can never see the same person, so I have to go through the whole problem over and over again. I have taken documents over and over and they have lost them and sent them to the wrong place. That I was told by an employee. I call and ask for an employee to call me, but no call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2023 I used my personal PayPal account to pay for an online order for goods from merchant XXXX. The total amount for this purchase transaction was {$150.00}. The merchant provided an estimated delivery date of XX/XX/2023. By XX/XX/XXXX, the order had been assigned a tracking number but had not been delivered. The order status on XXXX showed a XXXX waybill number, but the tracking results did not reflect that the order had actually been shipped. I rasised a dispute for the transaction with the merchant, and received an e-mail response promising a full refund within 6 days. By XX/XX/XXXX the refund had not been issued, so I contacted XXXX customer service via chat. Unfortunately cutomer service did not issue the refund as promised, so I then filed a claim through my PayPal account. On XX/XX/XXXX, I still had not received this order from XXXX. Nevertheless, PayPal thinks the order was delivered, and denied my claim without any explanation. I did not receive any documentation from the merchant or from PayPal when my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
From what I understand, FCRA 605B says wrong accounts should be taken off credit reports. Please check the accounts in the documents. They're reported wrong on my credit report. I'm upset and feeling sick about it. Can you 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
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
I received mail and phone calls from XXXX XXXX XXXX. I called then XXXX and a person only identified themselves as XXXX. He said they are a credit reporting company and I owed {$120.00} some odd dollars. I advised that I cancelled he said verbal cancellations are not allowed and I have to pay. 

I told him the front desk accepted my cancellation, he didnt care, and then just simply hung up on me! Their tactics are despicable! At no time did they or XXXX XXXX ever report any positive payments I made, and now they threaten my good credit so they can get paid? This is abusive and misleading to other creditors. They are using my credit report and score as a weapon against me to illicit a payment that is not even owed! They should be banned from reporting anything to the credit report, and should be penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: DC

Complaint narrative:
I received credit card from XXXX XXXX XXXX, and never received the card at first. when I finally received it I used the card and set it to auto pay. Once I checked my report I seen my score dropped and that XXXX reported a late payment on my report ( they broke my privacy laws and did not have my consent to report that ). Which by 15 USC 1666b which is considered a billing error, this is violating my consumer law rights. They also know of my situation and said they put request to have it removed 3 times and nothing has transpired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: DC

Complaint narrative:
I received credit card from XXXX  XXXX XXXX, and never received the card at first. when I finally received it I used the card and set it to auto pay. Once I checked my report I seen my score dropped and that XXXX reported a late payment on my report ( they broke my privacy laws and did not have my consent to report that ). Which by 15 USC 1666b which is considered a billing error, this is violating my consumer law rights. They also know of my situation and said they put request to have it removed 3 times and nothing has transpired.

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 2024-02-09 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: DC

Complaint narrative:
I received credit card from XXXX  XXXX XXXX, and never received the card at first. when I finally received it I used the card and set it to auto pay. Once I checked my report I seen my score dropped and that XXXX reported a late payment on my report ( they broke my privacy laws and did not have my consent to report that ). Which by 15 USC 1666b which is considered a billing error, this is violating my consumer law rights. They also know of my situation and said they put request to have it removed 3 times and nothing has transpired.

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