vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 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: MI

Complaint narrative:
In XXXX XXXX Equifax reporting smh credit score decreased at XXXX points based off XXXX XXXX information that is current and in good standing. XXXX was contacted and it is confirmed that this account has been consolidated and is in good status and current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
" I am pleased to confirm that I have successfully paid the entire balance for this car loan account. yet negative marks persists on my credit report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: AZ

Complaint narrative:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

XXXX XXXX : Account number : XXXX, Not correct. High credit limit needs to have the correct limit. 

XXXX XXXXXXXX : Account number : XXXX, Not correct. High credit limit needs to have the correct limit. 

XXXX | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

XXXXXXXX XXXX  | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: NC

Complaint narrative:
I have provided the accurate payoff statement for this account that is reporting as late payments in error and Ive provided valid evidence to support my claim ; i have proof of payment in full and it indicates the dates that shows I was never late and without your accurate proof of me having late payments I demand that you UPDATE!! my payment status to PAID AS AGREED NEVER LATE ( PAANI ) immediately XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Account XXXX XXXXXXXX Original Balance : {$62000.00} Status : Paid/closed ( XX/XX/XXXX ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: NJ

Complaint narrative:
This account should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have no knowledge of this account with this company as I have not signed any agreement for a product or services rendered from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Today is XX/XX/2023 and over this past week, I sent an {$8000.00} wire to my daughter on XX/XX/2023 from XXXX XXXX XXXX XXXX to her bank which is Capital One. Two digits were incorrect in the account number and went into another account. We were in contact by phone with both banks before, on the day and after the money was transferred. Capital One found her money before it was deposited, but still didn't put a hold on the funds even though the name did not match the account number and their own customer called and XXXX XXXX made TWO attempts to resolve it. First, XXXX reached out via the back office and asked for a simple edit on the account numbers, but Capital One said 'no '. Then, XXXX XXXX sent a request for the return of the funds and Capital One said " The customer doesn't want to return the money. '' For such a large deposit, surely this should have been flagged and fixed?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
First Issue : 10-15 years and counting I have been requesting that Great Lakes be listed in the " Loan Servicer section on the studentaid.gov site and that studentaid.gov reflect all of my previous loan payments over the course of my student loans from the 1st disbursement and 1st loan repayment to current day. 

I have also been requesting that my loan history and servicers information be updated from both the U.S. Department of Education and Great LakesXXXX XXXX XXXX XXXX XXXX 

To no avail Great Lakes is still missing as a servicer and any and all loan payments made are not reflective on stduentiad.gov or XXXX Second Issue : Great Lakes let me exhaust all of my forbearance / deferment/ and hardship repayment options without ever offering or telling me about the IBR/IDR repayment plan . When I finally exhausted all other options instead of offering or informing me of the IBR/IDR which has been around since XX/XX/2009. They either sold or transferred my loans to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Americor Funding, LLC
State: CA

Complaint narrative:
Hi. I needed credit card relief so I reached out to XXXX XXXX about helping me. I had never been late with payments but was struggling. They said they would be able to help by reducing my balances. I agreed even though their explanations aren't always clear. I began the program with them in XX/XX/XXXX. I'm not clear about my full beginning balance or payment because when I try to read my original contracts in my e mails it says those documents are expired but I do know my payments were about {$410.00} a month. Afew months in and they said i was no longer working with XXXX XXXX but with Americor, which was not totally ok with me i was skeptical but i believed what they were saying. Now I log in to my portal to check my statement and it says I began their program XX/XX/XXXX with a {$9400.00} balance. My payments are now {$390.00} and I now have a balance of {$7500.00}. I believe my account was refinanced but i was never told that's what was happening. Iam besides myself reading that I've been paying about {$400.00} for close to 19 months and my debt has gone down {$1900.00}. I have been paying more on interests than my principal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: NC

Complaint narrative:
I have provided the accurate payoff statement for this account that is reporting as late payments in error and Ive provided valid evidence to support my claim ; i have proof of payment in full and it indicates the dates that shows I was never late and without your accurate proof of me having late payments I demand that you UPDATE!! my payment status to PAID AS AGREED NEVER LATE ( PAANI ) immediately -XXXX XXXX XXXX Date opened : XX/XX/XXXX Account XXXX XXXXXXXX Original Balance : {$62000.00} Status : Paid/closed ( XX/XX/XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: NY

Complaint narrative:
My credit was ran at XXXX without my knowledge and resulted in a hard inquire on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: AZ

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXXXXXX XXXX : Account number : XXXX, Not correct. High credit limit needs to have the correct limit. 

XXXX XXXXXXXX : Account number : XXXX, Not correct. High credit limit needs to have the correct limit. 

XXXX XXXX XXXX  Account number : XXXX, Not correct. High credit limit needs to have the correct limit. 

XXXX | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

XXXX  | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
VICTIM OF IDENTITY THEFT. ALL PERSONAL INFO EXPOSED IN MULTIPLE DATA BREACHES. TOOK PART IN CLASS ACTION LAW SUITS AND HAVE BEEN COMPENSATED. A POLICE REPORT, A IDENTITY THEFT AFFIDAVIT SIGNED BY LAW ENFORCEMENT AND FTC REPORT HAVE ALL BEEN SUBMITTED. I HAVE DISPUTED THE ACCOUNTS THROUGH THE CREDIT BUREAUS TO NO AVAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I rented a car from XXXX XXXXXXXX XXXX XXXX They charge me XXXX dollar deposit. They did not give back my deposit. I made several calls to XXXX and spoke to XXXX ( XXXX ) XXXX, who filed a dispute and said a manager would call me back. I never received the call. I called back and could not speak to a XXXX. 

After not getting anywhere I filed a claim with Capital one. they did not call me or get back to me. I have documentation that clearly shows I paid the deposit. no one called me for the proof. I did not get anywhere with them when XXXX has protections for this. 

I will attach the receipt which clearly shows the deposit and charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
The amount of interest is 25 %. I had no problem with that until I kept getting hit even after making my minimum and/or extra payments interest charges on purchases even though I stop purchases on this card. Last month on top of my payments they charged me {$31.00} per month. This month XXXX I made a {$100.00} payment to try and help myself out with the balance that just drops minimally. I feel as if every month that I am being cheated for at least {$30.00}. So far they have made over {$300.00} in interest fees and other anonymous fees that I don't even know about. I am trying to pay this card off and they are cheating me month after month and I need some kind of relief. The credit limit on this card is {$1500.00}. I had no idea that every month that I pay my monthly payment that no matter what they are after me for that {$31.00} with no mercy in sight. Please help me find some justice help, and relief over these predatory lending interest charges plus fees that are being inflicted upon me without mercy. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
According to codes statues herein it is unlawful to denie access to ones XXXX XXXX XXXX estate to the Cesti Que vie Act of 1666. According to 15 U.S.C 41 we all have Equal credit opportunity after i gave them my exemption bond No. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2023-12-06 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2023-12-06 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: FL

Complaint narrative:
EQUIFAX IS VIOLATING MY FCRA RIGHTS FOR ALLOWING THIS ACCOUNT TO CONTINUE REPORTING ON MY CREDIT REPORT. XXXX XXXX XXXX THIS ACCOUNT HAS BEEN CHANGED MULTIPLE TIMES, DUE TO MULTIPLE REPORTING ERRORS. THE FCRA CLEARLY MENTIONS ALL INCORRECT ACCOUNTS BEING REPORTED MUST BE REMOVED. 

THE FOLLOWING ACCOUNTS ARE BEING REPORTED INCORRECTLY AGAIN AND MUST BE REMOVED : XXXX XXXX XXXX BALANCE {$7700.00} EQUIFAX CHANGED THE INFORMATION 5 TIMES AND IT STILL NOT CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened an acccount. Deposited {$50.00}. Then was locked out and no one helped me. I still have no idea where or how to get my money. I got robbed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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 want to address the erroneous listing of accounts marked as late payment and collection on my credit report. Despite my long-standing history of consistently making responsible and timely payments as a loyal customer as reflected on the account history, these accounts are being inaccurately reported as delinquent. This is unacceptable and demands immediate correction.

Company response to consumer: Closed with non-monetary relief