vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 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: TX

Complaint narrative:
Despite my previous attempts to address this issue, I regret to inform you that the late open account remains unresolved in my credit report. This discrepancy is causing significant concern and may have adverse effects on my creditworthiness and financial opportunities. 

I kindly request your urgent attention to rectify this matter by promptly correcting the status of the late open account in my credit file. It is imperative that my credit report accurately reflects my financial history to ensure fair and accurate assessments by lenders and financial institutions. 

Furthermore, I would appreciate transparency regarding the steps being taken to resolve this issue and prevent similar discrepancies from occurring in the future. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: DISCOVER BANK
State: TX

Complaint narrative:
I just got an alert from XXXX XXXX about a new credit inquiry on my XXXX report, which is always frozen. Discovery Home Loans made an inquiry when I never authorized any credit inquiry. The fact was immediately notified to XXXX, and will pursue a court case for identity theft, if they do not remove the inquiry. It was reported immediately to Customer Service, and the lady was not able to answer about verification. My reports are frozen, and they have been sending unsolicited offers by mail since I have a Discover Card, They can not stop pursuing other products. I told the lady immediately that got the alert and with XXXX the freeze worked, but with XXXX went through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX and Transunion has an error bankruptcy listed on my credit report. I do NOT have a bankruptcy or any bankruptcy 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 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am reaching out to discover customer service and their XXXX team to setup XXXX with discover and I get the message that my account is not eligible due to it has not been open for 90 days but it has been open for over 2-3 years. My account has been open since XXXX. This is the message I get from discover bank : We understand that you're eager to enroll with XXXX, but your account isn't eligible right now. Either your account hasn't been open for 90 days or it doesn't satisfy additional eligibility requirements. 

Some requirements are kept confidential to help us maintain account security. In the meantime, please take advantage of our other services for sending and receiving money. 

Discover refuses to tell me why they can not activate XXXX nor wishes to reset my XXXX profile. 

I have reached out to XXXX already via a complaint from the CFPB and they said that it is an issue with the partnering bank which would be discover bank. I current have no problem utilizing my XXXX with other banks such as XXXX XXXXXXXX XXXX XXXX There is nothing wrong with my number XXXX XXXX XXXX which has never been used with discover bank for their checking for XXXX. I would like what ever block they have to be removed so I can use my discover bank checking account and tell me why I cant use XXXX with discover bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: NY

Complaint narrative:
Laurel Road has a checking account promotion where if one deposits XXXX XXXXXXXX in direct deposits a month, the customer will get a {$20.00} bonus the following month. I had XXXX XXXXXXXX in direct deposits from my employer into my checking account for the month of XXXX and they have not counted any of it towards the bonus. I reached out and asked for clarification and they told me it is not a direct deposit although I have the payslips. This is a violation of their own terms & conditions. I'd also mention that this is the second CFPB complaint I have had to make to get Laurel Road to reply seriously and investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-03 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 recently checked my recent personal credit report and I noticed some unauthorized credit inquiries were removed while there were still few erroneous items remained on my personal credit reports. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested you before to initiate an investigation into the below items on my credit reports to determine who authorized these items. And I know your investigation is complete, and you find my allegation to be true, please remove these remaining inquiries and inaccurate information and send me an updated copy of my credit report at the address provided : EXPERIAN : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please remove these inquiries from my credit file as soon as possible. Thank you for your assistance in this matter.

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 2024-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Subject : Request for Copy of 1099-C and Resent Validation Letter Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request copies of certain documents related to the debt account in question, which is being serviced by your agency.

Firstly, I kindly request a copy of the 1099-C form associated with the debt. As a consumer, I believe it is important to have a clear understanding of all relevant tax documentation related to any forgiven or canceled debt. 

Secondly, I would like to request a resent copy of the validation letter that was originally mailed out to me on XX/XX/year>. I previously disputed this account and to my knowledge, nothing was sent to me to legally verify this account in accordance with my rights under the Fair Debt Collection Practices Act. 

I understand the importance of maintaining accurate and up-to-date records regarding my financial obligations, and I believe that having access to these documents will help me in managing my financial affairs effectively. 

I kindly ask that you provide me with the requested documents at your earliest convenience. Please send the copies to the address listed above. If there are any fees associated with obtaining these documents, please inform me in advance. 

Thank you for your attention to this matter. I look forward to receiving the requested documents promptly. 

Warm regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: CT

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXXXXXX ] [ XXXX ] XXXX : [ XXXX XXXXXXXX ] [ 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 2024-05-03 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: TN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 2024-05-03 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: TX

Complaint narrative:
I just got an alert from XXXX XXXX about a new credit inquiry on my equifax report, which is always frozen. XXXX XXXX XXXX made an inquiry when I never authorized any credit inquiry. The fact was immediately notified to equifax, and will pursue a court case for identity theft, if they do not remove the inquiry. It was reported immediately to Customer Service, and the lady was not able to answer about verification. My reports are frozen, and they have been sending unsolicited offers by mail since I have a XXXX XXXX, They can not stop pursuing other products. I told the lady immediately that got the alert and with XXXX the freeze worked, but with equifax went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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 recently checked my recent personal credit report and I noticed some unauthorized credit inquiries were removed while there were still few erroneous items remained on my personal credit reports. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested you before to initiate an investigation into the below items on my credit reports to determine who authorized these items. And I know your investigation is complete, and you find my allegation to be true, please remove these remaining inquiries and inaccurate information and send me an updated copy of my credit report at the address provided 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 XXXX XXXX XXXX XXXX XXXX XXXX -TRANSUNION XXXX XXXX XXXX XXXX. The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please remove these inquiries from my credit file as soon as possible. Thank you for your assistance in this matter.

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 2024-05-03 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 recently checked my recent personal credit report and I noticed some unauthorized credit inquiries were removed while there were still few erroneous items remained on my personal credit reports. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested you before to initiate an investigation into the below items on my credit reports to determine who authorized these items. And I know your investigation is complete, and you find my allegation to be true, please remove these remaining inquiries and inaccurate information and send me an updated copy of my credit report at the address provided 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 XXXXEQUIFAX : 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 The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please remove these inquiries from my credit file as soon as possible. Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year>, I took a check to Bank of America on XXXX XXXX XXXX in XXXX XXXX to deposit into my account at B of A. The teller said that there was a problem with the check and that I need to see the Manager. Instead of the Manager inviting me to his office he came out to see me in the PUBLIC AREA ( Lobby ) and told me that they can not accept the check. He asked me who signed the check. I told him the check was sent to me by another Company as a PROFIT FUND PAYMENT on my XXXX  account. 
Then he told me that the check is a fraudulent check from a fraudulent account created under my name and address by the XXXX XXXX. He told me to take the matter up with the Company. HE DID NOT GIVE ME ANY ADVICE AS WHAT I SHOULD TELL THE COMPANY OR WHETHER I SHOULD REPORT IT TO ANY OTHER ENTITY. 
I wrote a letter to the Company and they just shrugged it off! .I waited for over 10 months for them to give me a satisfactory answer. 
WITHOUT MY KNOWLEDGE, THE BANK MANAGER AT B of A had reported me to a CONSUMER AGENCY as a " Check Fraud ''. I did not find this out until I tried to open a Savings Account at my XXXX. The account was opened successfully but by next morning the account was CANCELLED. I asked to see the XXXX XXXX to find out why?. She told me that I was RED FLAGGED as a FRAUD. At this point I wrote to the Bank of America Manager that I AM THE VICTIM OF A CHECK FRAUD AND I AM NOT THE PERPETRATOR. FYI he did not even check with me for details of the Company who frauded me by sending me a fraudulent check opened in my name in a fraudulent account.. Now, every time someone tries to send me funds via bank transfer or XXXX  my name is triggered as a FRAUD. This has major implications and complications. Please let me explain why and how. 
I am a XXXXXXXX XXXX with an excellent past record. I have served this country as a XXXX XXXX for XXXX XXXX I am now a XXXX XXXX and a XXXX XXXX XXXX XXXX My Fees are paid by Insurance Companies like XXXX, XXXX and other XXXX XXXX XXXX as well as Checks from patients. As a result of the above problem I have been denied payments on many occasions. Please help me clear my name from the FRAUD flag and remove it.

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 2024-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
As of the beginning I have been filing dispute charges on these unauthorized charges and I repeatedly tell them that I was not making them that I was in XXXX  during these transactions so how can I be in XXXX  and be taking out money out of my own truck they had no explanation of course but my claim got denied okay I let that go then another transaction so I guess someone gets a hold of my phone but I didn't approve it and then that distributes tonight so then finally the third one I wake up one morning getting charged by some company that I don't even have no idea where it comes from so I disputed again and I get another denied so I don't understand how these companies can protect me from my money when it's being taken for me and not even wanting to replace it I just don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX XXXXXXXX. As a matter of fact, because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXXXXXX, and my Fed. loans of over {$70000.00} are currently being discharged and my credit currently being repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a post class member. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 

I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX,

Company response to consumer: Closed with non-monetary relief