vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
XX/XX/XXXX - No Change XX/XX/XXXX - No Change XX/XX/XXXX - No Change XX/XX/XXXX - DROP XXXX XXXX ( REASON listed NONE ) Not only is there no reason for the drop if anything all balances decreased, and age of accounts got greater which should have increased scores. When I pressed Transunion their line was my mortgage hadn't reported!!!! What a joke! Trust me if I didn't pay my mortgage, the mortgage company would be letting the credit bureaus know about it so just proves this is all made up. Also, when they did report on XX/XX/XXXX showing everything was good that balance along with other loan balances all decreased while age of accounts got lower and Transunion gives me XXXX XXXX  back of the XXXX, they reduced my score for NO REASON. THIS STINKS OF INCOMPENTECY or worse CORRUPTION!!!!!! Is TransUnion affiliated with the banks now in a scheme to line everyone 's pockets. 

XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX increase XXXX XXXX  : This is a flat-out INSULT. Transunion drops my credit score by XXXX POINTS with no explanation and then only increases it by XXXX XXXX. 

CFPB needs to do its job! This stinks of corruption and cooperation with financial instituations and a system designed to line the pockets of everyone at the expense of the consumer. THESE CREDIT RATING SYSTEMS ARE GARABAGE AND MADE UP!!!!!!! 

I guess I want to know where the corruption starts and ends. Clearly the banks and insurance agencies are corrupt. So now the credit bureaus are part of the scam too? I mean I guess I shouldn't be surprised they were all in on the financial crash of XXXX when it came to rating mortgages.

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 2024-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I just received this card once I got my new car. It is a card with XXXX. Every time time I try to log in to my account I have been having issues. When I tried to register my account it gave me an issue and i had to call customer service. When I was on the phone I was finally able to register my account. I made a payment. I signed up for paperless statements and to receive emails. I got an email with my confirmation of my payment. Now I am trying to log into my account for the past XXXX days and I am not able to get into it. It also is showing online my phone number is not on my account and only my email is. I called up and spoke with a representative and they told me the website is down try later. I, have now spoken with another person and they have informed me everything is working fine they are not sure what is going on with my account. She stated she sees my phone number and that when I made the payment they are not able to send it as an email but through the mail. She gave me my confirmation and I also have received withdraw information from my bank. This is ridiculous this is my first month with this credit card And it has been such an issue. I have read online many people have complaints about this same exact bank from XXXX years ago. Online it shows my account is not found.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/2023 I arrived at the XXXX XXXX XXXX in XXXX. The desk clerk informed me that I might get a better rate online. I thought that I was on the XXXX 's website so I entered my credit card number to view the proposed rate which turned out to be XXXX  off from my original valid reservation. I left the site before completing the reservation. Soon both reservations appeared on my credit card. I immediately called the number on the fraudulent reservation and spoke to XXXX who said, " We have your credit card information and we are going to use it. '' When I asked he told me that XXXX was the site I was on, but I only have his word for that. The XXXX has not responded to my request for further information. Please note that the fraudulent reservation still has the box showing which says, " Agree and book this room for US {$500.00}. '' The fraudulent reservation appears on my credit card statement as XXXX XXXX XXXX XXXX. The genuine reservation, which I paid, says XXXX XXXX XXXXXXXX XXXX. I immediately filed a dispute with PNC by phone and they assured me that I wouldn't have to pay it. When PNC contacted me by phone for further information they assured me at that time also that I wouldn't have to pay it. However now PNC says that I do have to pay it, and furthermore that they would not waive the finance charges incurred while I attempt to find out more about this fraudulent company and take action against it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was informed about a negative report on my credit history for a late payment from an institution that I have no knowledge of. I never received any bills., statements or delinquency letters from this institution. I have no knowledge who that is.

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 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Apelles, LLC
State: KS

Complaint narrative:
On XX/XX/2024, I received a collection notice from Apelles LLC to collect a debt allegedly owed to XXXX XXXX XXXX XXXX. I have disputed this balance with XXXX for the past several years as it is the result of credit card fraud. Apelles LLC is attempting to collect a debt that is not owed because it is the result of identity theft. To ensure that Apelles can not claim that I did not dispute the debt in a timely manner, this complaint will serve as proof of that correspondence and proof of documentation provided to support the dispute. I formally request that if Apelles LLC is unable to provide certified proof that they OWN this debt, they cease and desist all communications and collection attempts. I have no contact nor contract with Apelles LLC. If Apelles LLC does own the debt, they are required to provide documentation as required by federal law to prove that I owe the debt due to my reporting of identity theft.

Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account via USPS CERTIFIED MAIL : 1. Application records or screen prints of Internet/phone applications 2. All stat
ements 3. All payment/charge slips 4. Investigators summary 5. Delivery addresses of purchases made with the card/account 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and individual charges 8. Any other documents or records associated with the account Please send me a letter via USPS CERTIFIED MAIL detailing the actions you have taken to : 1. Notify the original creditor that the debt is the result of identity theft ; 2. Stop collection proceedings against me ; 3. Cease reporting this information to the credit reporting agencies ; 4. Provide me with the information I am requesting ; and 5. Take all actions required of you as a furnisher of information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 2024-02-12 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2024-02-12 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: FL

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 XXXX party. They in fact did not come from a XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/2023 LVNV Funding LLC {$560.00} LVNV FUNDING LLC THIS INSTITUTION IS REPORTING NEGATIVELY ON MY CREDIT REPORT! I DO NOT OWE THEM, I HAVE NEVER SIGHNED ANY AGREEMENT, PROPOSAL, OR CONTRACT WITH THIS INSTITUTION! I AM DEMANDING THAT THEY EITHER SHOW ME AN ORIGINAL CONTRACT SIGHNED BY ME OR IMEDIATELY REMOVE THE NEGATIVE ACCOUNT FROM MY CREDIT REPORTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems claims they are a third party collecting a debt on behalf of XXXX XXXX therefore they are liable for any terms and agreements. NATIONAL CREDIT SYSTEMS is attempting to collect the full amount of an alleged debt they purchased for pennies on the dollar. I have asked for documentation showing I was notified by XXXX XXXX that this alleged debt had been sold. I also did not receive information as to who it was sold to and for how much. In order for NATIONAL CREDIT SYSTEMS to report to another third party they should have provided me with that necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
XXXX XXXX account should be deleted. Seems as if most recent status has changed to " Charge-Off. '' This account was charged off years ago and should not be updated as a charge off as of XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
I was sent and received documentation that my loans were completely forgiven XX/XX/XXXX from Mohela. The last time they reported to the credit bureaus was XX/XX/XXXX. I've called multiple times : I called XX/XX/XXXX on hold/call 1 hr 22 min ( XXXX ) XX/XX/XXXX was on hold/on call for 4 hr 1 min XX/XX/XXXX was on hold/on call for 2 hr 3 min XXXX 43 minutes ... ect .... 

on XX/XX/XXXX I was on hold for the regular account specialist for about 45 minutes. She didn't know why it hadn't been reported. She said it should've been. She put me on hold for the credit office. I was on hold for over an hour. Unfortunately I had to hang up. I wasn't expecting to be on hold for 2+ hours. 

on XX/XX/XXXX I was on hold for a regular account specialist for over an hour. ( same thing she didn't know why it hadn't been reported. She said it should've been ) She then placed me on hold again for the credit office 2+ hours. ( almost 3 ) They said the issue had been fixed and I'll see it at the end of the month. I asked if it isn't what will I need to do? She said call back. I asked if there was a direct number? She said no, that I would have to go through the hole. 

XXXX I was on hold for the regular account specialist for about 45 minutes. She again didn't know why it hadn't been reported. She said it should've been. She put me on hold for the credit office. I was on hold for about 30 minutes. XXXX stated that it had been reported to the credit bureau on XXXX as paid in full with {$0.00} balance. 

XX/XX/XXXX It still isnt there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
XX/XX/ is the date this account was opened in my name internet services and equipment that I never received. I was called by XXXX about a outstanding bill {$320.00} for services I didn't have in home or positions. 
XXXX could not provide an account number with my name are address at that time I requested verification from XXXX. I was told that there was no account or file stating I had no services. 
But, XXXX sent over due balance {$320.00} to my father in laws home in XXXX XXXX XXXX XXXX. On my credit report it states it was charged off and closed XX/XX/. From my phone conversation with a XXXX representative the account never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: FL

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 XXXX party. They in fact did not come from a XXXX 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 non-monetary relief