vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i have filed and disputed these accounts multiple times. Ihave uploaded documents to show that account is a corporate account and XXXX, and transunion still say the accounts are verified. this has now become a civil liability for willful non compliance under 15 usc 1681n. this will be for both XXXX XXXX XXXXXXXX, as well as XXXX XXXX XXXXXXXX also has an open status, which indicates I've received credit and still continuing getting credit. they have failed to provide me with the information I have requested and have lied on here with their statement. You have also received the second mailing, in which, XXXX never responded. This should be rem oved be of estoppel by silence 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
i have filed and disputed these accounts multiple times. Ihave uploaded documents to show that account is a corporate account and XXXX, and XXXX still say the accounts are verified. this has now become a civil liability for willful non compliance under 15 usc 1681n. this will be for both portfolio recovery assoc, as well as XXXX XXXX. Portfolio also has an open status, which indicates I've received credit and still continuing getting credit. they have failed to provide me with the information I have requested and have lied on here with their statement. You have also received the second mailing, in which, XXXX never responded. This should be rem oved be of estoppel by silence law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I started a dispute. Experian said they validated the account. They did not explain what they did. XXXX XXXX was unable to validate the account and sent me a letter saying that they would not continue to report this account to the Bureaus. Accounts are still being reported.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX Solutions Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance {$830.00} XXXX XXXXXXXX Balance {$830.00} Inquiries XXXX  Date of Inquiry : XXXX Renewal By A Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX First Premie Date of Inquiry : XXXX XXXX Of XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date  of Inquiry : XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$830.00} XXXX  XXXX Balance {$830.00} Inquiries XXXX Date of Inquiry : XXXX Renewal By A Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX Installment Date of Inquiry : XXXX XXXX XXXX Cred Date of Inquiry : XXXX XXXX XXXX Ser Date of Inquiry : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I'm reporting a fraudulent account opened in my name. The auto loan comes up in my credit scores but I never opened a account with that company. They opened it in XX/XX/year>. 

These are the addresses of the person who stole my identity. It comes up on my credit score and they are not mine. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX anXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This is the company the person took my identity from. 
WESTLAKE FINANCIAL SVC 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 explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have The Gap store credit card which is handled by Barclays Bank. I made a late payment for the full balance on XXXX XXXX, but for some reason, the payment did not go through. I assumed it had been processed and did not check and on XX/XX/XXXX, I got a statement from Barclays saying that I was late. So I tried to pay the balance in full online, but Barclays said that since the previous payment did not go through, I needed to furnish another bank account, which I don't have. So I called Barclays Bank and gave them my bank account information again around XX/XX/XXXX, but they have still not processed my payment since the balance amount has not been deducted from my bank account. 

I am filing this complaint because Barclays Bank and The Gap seem to prefer charging interest on my balance and damaging my credit instead of accepting my payment in full. Unless action is not taken soon, I can see that they will send me another statement around XX/XX/XXXX charging me more interest and telling me that I am late in making a payment. This is why I am writing to you to take care of this situation : I want Barclays to take my full payment for my balance instead of playing usury games with 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 explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank has a terrible habit of closing accounts without prior notification. They have CLOSED over ten accounts in one day some recently granted thus now ruining my credit score and credit reporting. Their practices are unconscionable!! 

Yet, I have an account with XXXX XXXX in which I am being charged for an item warranty that was returned in store on XX/XX/2024. XXXX XXXX insisted I obtain XXXX XXXX for an XXXX and I am still being charged for it even though I was fully refunded for the XXXX. I have been transferred to numerous customer service agents with no resolution.

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 2024-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
my information was used to open credit accounts in my name without my consent. Ive been a victim of the XXXX XXXX XXXX which exposed my personal information as well making it easy to be victimized of identity theft. These accounts listed below were obtained and tried to be opened without my consent. My information was sold and bought illegally because I was a victim of the XXXX XXXXXXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Also It Appears That These Items On My Credit Report Has Turned Into A Charge Off But I Noticed You Never Sent Me A 1099, Would You Be So Kind To Send Me A 1099 For A Cancellation Of Debt Of This Item Due To My Financial Hardship. 
TransUnion FRAUDULENT Accounts XXXX XXXX XXXX XXXX XXXX ( {$42000.00} ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) FRAUDULENT Inquires 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2024, I check my credit report and I saw fraudulent inquiry, please remove this inquiry listed below XXXX XXXX Important dates Inquiry date XX/XX/2024

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 2024-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
It was charged off on XX/XX/XXXX. My last payment was XX/XX/XXXX Its been reporting since XX/XX/XXXX as late payments

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
**Issue : ** Despite clear evidence of violations provided, Experian has chosen not to remove the debt, even though there have been no changes to report. 

**Experian Violations : ** 1. **Failure to Provide Comprehensive Verification ( Code : EX-V1 ) : ** Experian failed to conduct a reasonable reinvestigation within the mandated timeframe, as evidenced by inadequate documentation from XXXX XXXX XXXX XXXX This violates FCRA Section 611 ( a ) ( 1 ) ( A ) and the corresponding Metro 2 standard, XXXX XXXX. 

2. **Delay in Responding ( Code : EX-V2 ) : ** Experian did not respond within a reasonable period despite my letter dated XX/XX/2024, violating FCRA Section 611 ( a ) ( 1 ) ( A ) and the Metro 2 standard, XXXX  XXXX. 

XXXX XXXX XXXX Violations : ** 1. **Failure to Provide Comprehensive Verification ( Code : XXXX ) : ** Medical Merchants Credit 's documentation inadequately ties the debt to me, violating FCRA Section 611 ( a ) ( 1 ) ( B ) and Metro 2 standard , XXXX XXXXXXXX. 

2. **Neglecting to Address Dispute ( Code : XXXX ) : ** XXXX XXXX XXXX failed to promptly investigate and address my dispute, breaching FCRA Section 611 ( a ) ( 2 ) and the corresponding Metro 2 standard XXXX 

3. **Shifting Burden of Proof to Consumer ( Code : XXXX ) : ** XXXX XXXX XXXX inappropriately shifted the burden of proof to me, violating FCRA Section 611 ( a ) ( 6 ) and its Metro 2 counterpart .

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 2024-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
The company is attempting to collect the debt I believe I do not owe they are furnishing information to my consumer report identified as identity theft and not relatable to any transactions made by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Starting in XXXX we have been requesting to get additional state SCRA benefits added to all XXXX of our accounts. I am from a KP state OHIO my Home of record ohio and is reflected on my enlistment contract from XX/XX/XXXX. 
We have applied many times and each time they have denied us or asking for more documents which we have provided. we have provided all documents they have asked for AND more than enough to qualify us for the SCRA. american express is the only company that has denied us and given us so much push back. They are denying us Illegally. 
I summited ALL documents through secure messaging on my account Including my enlistment contract showing i enlisted in OHIO, my marriage cert so they can add my wifes accounts, OHIO utility bills, OHIO taxes that i pay thats in my name, my current orders showing im in the military still! this process should not be this difficult for the men and women who serve. AMEX is the ONLY Credit company that has been this hard to deal with. every other company has SCRA departments and approves within a couple weeks. You cant talk to anyone at american express in the SCRA department, so many things get miss handle which makes the costumer suffer. we have XXXX accounts with amex and have had them for many years, we spend a lot of money on their account and im at a point i will cancel my cards if this does not get resolved ASAP! 
OHIO state law for SCRA is refunding the interest before during and after service and lowering the interest rates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have a private loan I was forced to take out during my first 2 years attending XXXX XXXX. I have had this loan for many years and my last provider was XXXX XXXX. During my time with them, I made payments ranging from $ XXXX {$85.00}. In XX/XX/XXXX my loan was transferred to Firstmark and I was told everything would stay the same ; my bills from XX/XX/XXXX until XXXX of XXXX were in the {$86.00} range which was in line with what I was paying. However now Firstmark is trying to increase my monthly bills and it is unclear why. 
I was sent a bill in XX/XX/XXXX for {$86.00} and yet charged over {$96.00} on my account. They also erroneously tried to charge me several months of late fees, which I have never been late. When I called to inquire why I was being charged more than I was billed they told me I was now in in-school status and making interest-only payments. My XXXX XXXX  was applied by them on XX/XX/XXXX coincidentally the same day they charged me a number of late fees. I explained I did not want to defer this account and would like to go back to regular payments of {$86.00}. However, I was told my payments would now be {$120.00}. 

Upon pressing the issue more I was given several reasons which did not make sense as to why my payments had increased. 
I was told, I took myself off auto pay and now was not receiving the .XXXX XXXX reduction. Yet, I was only enrolled for a week, but when I saw my account was not correct I unenrolled. So, the XXXX XXXX never applied. 

I was also told I am not being charged enough interest Additionally, I was told I chose to make a higher payment, but that was never the case. 

Clearly, something happened in the XXXX period and Firstmark is either not investigating why there is a large change to my account or just trying to get higher payments from me. It makes no sense when requesting to go back to my regular payments they would charge almost {$50.00} more and it is still unclear why my current bills is {$10.00} more than prior.

Company response to consumer: Closed with explanation