vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2023-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: DE

Complaint narrative:
This account was disputed and I provided legal proof that the account was under XXXX XXXX. I also provided proof of ownership in my divorce papers for responsibility and ownership of the XXXX account. The company then removed my name from all claims in 2020 and recently a company named Zion Debt Holdings then put a derogatory collection mark onto my credit report without proof. I am seeking that the party fully removes this account status from my credit and seek the responsible party.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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'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 and 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 explanation
Consumer complaint received 2023-10-16 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: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I made the following two payments to my student loan servicer, AIDVANTAGE : 1 ) {$3000.00} - Payment via check delivered XXXX - check deposited on XXXX 2 ) {$380.00} - Payment via check delivered XXXX  - check deposited on XX/XX/ AIDVANTAGE Phone Number and Mailing Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have made several calls to AIDVANTAGE to ascertain the status of my payments. 
These calls were made on XXXX XXXX XXXX XXXX XXXX 
AIDVANTAGE simply states no payments have been made to my account. I have attached proof that both checks were received and deposits were made by AIDVANTAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: NY

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 and 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 2023-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I had volunteerly return the vehicle in late XXXX. However the corporation has recorded my last payment being listed in XX/XX/XXXX. Which is incorrect my loan account is being recorded as 6 years and 7 months as an open account. I had moved from that address in XXXX and has already returned the vehicle in 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 monetary relief
Consumer complaint received 2023-10-16 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: Opportunity Financial, LLC
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: NJ

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I have account with HSBC bank in XXXX My mom dad and transfer money from XXXX for my maintenance. After that bank freeze my account and I cant use the money from my account. 
Please let me know how long it will take to reopen my account. 
My bank send me this We are unable to process any transactions or requests as the bank is currently complying with its XXXX statutory requirements and the bank will be in touch in due course. Timescales are not available at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-10-16 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: FL

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-10-16 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: NY

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks 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 non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received a {$2000.00} gift card from American Express almost year ago but am unable to use it most places. I also have trouble checking my balance consistently. Calling customer service takes me to a phone tree and it's impossible to get help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16 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: FL

Complaint narrative:
Dear CFPB, EXPERIAN, XXXX, XXXXXXXX XXXX XXXX XXXX I write to you as a concerned consumer, well aware of my rights under federal law, particularly as enshrined in the tenets of 15 U.S.C. 1681 ( i ) ( 7 ) and 15 U.S.C. 1681 ( i ) ( 5 ). These statutes underscore the need for timely, accurate, and impartial credit reporting, principles I hold dear in my relationship with your esteemed agency. 
My concern pertains to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which, upon meticulous examination of my credit report, reveals glaring inconsistencies. While I have previously attempted to dispute the account 's accuracy, these efforts have regrettably yielded no conclusive verification of its legitimacy. It is imperative to reiterate that the legitimacy and credibility of this account are significantly questionable. 
15 U.S.C. 1681 ( i ) ( 7 ) obligates your agency to promptly correct or delete any information found to be inaccurately reported. The stark discrepancy in the status of the account in question across the major credit bureaus constitutes a clear-cut case for a detailed investigation, as well as the subsequent deletion of the disputed account. 
I hereby formally request that your agency not only undertake a thorough investigation into the contested account, as mandated by the law, but also proceed with the immediate deletion of this account. It is important to emphasize that previous investigations have left a trail of unsatisfactory responses, leaving me with little recourse other than to insist upon its deletion to restore the integrity of my credit report. 
In the pursuit of my rights as a consumer and under the aegis of 15 U.S.C. 1681 ( i ) ( 5 ), I demand a diligent, accurate, and swift response. The statute underscores the importance of your agency 's role in upholding the principles of fairness and accuracy in credit reporting. 
The demand for the deletion of the disputed account is not merely a request ; it is a legal and ethical imperative to rectify the inaccuracies that have tarnished my creditworthiness and financial standing. The precedent set by federal statutes and the protection of consumer rights firmly support this request. 
In conclusion, I implore your agency to treat this matter with the utmost gravity and urgency it merits. The due diligence and expeditious attention to this matter are not only prudent but absolutely essential to rectify the apparent inaccuracies affecting my credit report. 
I anticipate your prompt acknowledgment of this request and expect a timely resolution, which will restore precision, impartiality, and credibility to my credit report. 
Sincerely, 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 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a PayPal credit account, in which the terms are, no interest on purchases of $ XXXX if they are paid off within 6 months. In XXXX, I was notified that I'd be charged interest on the full purchase amount from a vendor ; I knew that was wrong because I had already returned a portion of that purchase. I contacted customer service, they said I was right, they hadn't applied the return to that purchase, and so they would escalate it and have it fixed by the time my bill was due. That day came and went, and they did charge me the interest. I called customer service again, and I was told that the last representative hadn't fixed it, but now it would be fixed. Now it's almost XXXX and the interest is still there. I've contacted them XXXX separate times about this. I would suggest to anyone with paypal credit to comb through every statement, they don't seem to know what they're doing, and they try to find tricky ways to make money.

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 2023-10-16 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: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I left the emergency room in early XXXX. I had some small financial limitations .that was nearly XXXX years ago. the FCRA provides every XXXX with the opportunity to rebuild their credit. COMMONWEALTH FINANCE is violating FCRA law by inaccurate reporting. while one item is allowed on credit for up to 7 years, the FCRA prohibits false reporting of time lines. COMMONWEALTH FINANCE put on my credit that I defaulted in XXXX a full 4 years after I actually left the emergency room. I have the right to rebuild my credit, and would like the CFPB to hold COMMONWEALTH FINANCE accountable for violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-16 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: MO

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 3rd party. They in fact did not come from a 3rd 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 non-monetary relief
Consumer complaint received 2023-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was called from the Capital One fraud department on Saturday XXXX saying that someone was opening a credit card/account in my name. I told them it was not me, and they closed the application stating as 'fraudulent '. 

On the same day XXXX XXXX XXXX, I placed a 1-year fraud alert on my credit report through XXXX. When I saw my credit report I noticed that on XXXX a company known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) did a 'CONSUMER REPORT VIEWS/SOFT INQUIRIES '. 

I do not recognize XXXX XXXX XXXX. I believe this is fraud.

Company response to consumer: Closed with non-monetary relief