vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
lvnv funding llc, has filed a n state court without sending me any notification. i never received a notice of assignment. I contacted this company after i received the civil action advising that debt validation and proof that the account was purchased from the original creditor was never received. i never received any notification that this was going to court or going to be reported on my personal credit files according to FCRA consumers must be notified and I was not notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: AL

Complaint narrative:
Reviewed most recent credit report from Experian and I noticed inquires that did not belong to me. After reaching out to the creditors I was advised they did not have a record on file of me applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push-back even though I expressed the inquiries in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per : 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
per the FCRA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given you written unwritten verbal and nonverbal per 15 USC 6802. ALL inquiries must be removed.

Per the family n educational privacy act of 1974, my transaction history was compromised and given to a third party that was NOT authorized by me. 

Lastly, XXXX has removed items off of my credit report but XXXX, XXXX XXXX and Experian has not removed these items. By law, all credit reporting companies MUST be congruent and have the SAME reporting. Please fix these issues. 


My proof of claim is attached to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently review a copy of my credit report and found fraudulent accounts on my report. Please remove these accounts because it is hurting my ability to obtain 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 2024-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/year> Subject : CFPB to take off negative score. To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15USC 6802. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: MOHELA
State: KY

Complaint narrative:
My XXXX with Mohela is due on the XXXX of the month. I made my payment on the XXXX and received a bill that my payment was over due. I called Mohela and was told that it takes 3 business days to process the payment and that the payment needs to be made at least 3 days before the due date. I asked for something in writing stating that policy. The agent put me on hold and then told where to find where it says ( this is directly from their website ) " Online - 2-3 business days from the payment processing date to post. However, the effective payment date will be your scheduled payment date. '' As I said, I made the payment on the XXXX, the payment cleared my back on the XXXX, yet I also receive an email on the XXXX that my account is over due. By this reasoning, my due date is not actually the XXXX, but around the XXXX. Furthermore if the XXXX falls on a weekend or holiday, my due date is when? The XXXX? I understand it XXXX take XXXX business days for the payment to post ; however, it does not make the payment late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: NY

Complaint narrative:
There are inaccurate late payments with XXXX of my account. I have requested to fix it but when I checked my credit reports I can still see the late payments reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: GA

Complaint narrative:
There are some unauthorized inquiries on my credit report. I have been a victim of identity theft. I have reached out to each company and I have filed a police report. According to the FCRA all unauthorized items must be removed. Below are the inquires that need to be removed. 

Reporting Bureau- Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bureau- Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX Data XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bureau- Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Reporting Bureau- Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: CO

Complaint narrative:
On XX/XX/2024, I received a letter from a company called Wakefield and Associates based out of XXXX XXXX, CO XXXX that they were attempting to collect a debt of {$550.00} for an account with " XXXX XXXX XXXXXXXX '' as spelled here in all caps. When I went online to the website they provided, I noticed they already made an account for me and it had my SSN attached to it. According to all reviews for this company, they attempt to continuously charge or contact people they target so I attempted to try and verify the debt was real. No one I got in touch with, from the hospital I received treatment from nor that hospital 's billing office could give me any information on the account so I am reporting this company out of concern for the damage they may due to my credit whether I pay this debt they're claiming I owe or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
per the FCRA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given you written unwritten verbal and nonverbal per 15 USC 6802. ALL inquiries must be removed. 

Per the family XXXX educational privacy act of XXXX, my transaction history was compromised and given to a third party that was NOT authorized by me. 

Lastly, XXXX has removed items off of my credit report but transunion, XXXX XXXX and XXXX has not removed these items. By law, all credit reporting companies MUST be congruent and have the SAME reporting. Please fix these issues. 


My proof of claim is attached to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: LEXISNEXIS
State: PA

Complaint narrative:
per the FCRA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given you written unwritten verbal and nonverbal per 15 USC 6802. ALL inquiries must be removed. 

Per the family XXXX educational privacy act of XXXX, my transaction history was compromised and given to a third party that was NOT authorized by me. 

Lastly, XXXX has removed items off of my credit report but XXXX, XXXX XXXX and XXXX has not removed these items. By law, all credit reporting companies MUST be congruent and have the SAME reporting. Please fix these issues. 


My proof of claim is attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX matured. On XX/XX/year> requested a transfer back to my XXXX  XXXX XXXX account which was used to fund my Marcus account. When I tried to transfer the money out of Marcus the problems began. When I called to find out why the transfer was taking so long, they told me they could not verify my phone number to send a PIN to, because some " system '' they will not elaborate on says my phone number does not belong to me, and I would have to call my phone company to correct it. As if. The phone is in my name and has been used to confirm identity every time I've logged in since I opened the account. They will not answer any questions online, or by phone. XXXX different people including a supervisor refused to help me. I have my password, secret word, social all verified, and my phone number has not changed. Upon reading other reviews, I see many people only encounter a problem when trying to close the account or transfer large sums.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I was born on XX/XX/XXXX. In early XXXX, when I just turned XXXX, my mother and I went for a routine cleaning to XXXX XXXX in XXXX, NJ. The dentist, without pre-approval from insurance, performed additional procedures and charged the XXXX of us {$1700.00} for the visit. 

Our insurance denied the charges and the dentist put all the charges on us. We refused to pay. They subsequently sold the debt to Radius Global Solutions, LLC, a debt collection agency.

Radius Global put all {$1700.00} under my name, so I couldn't get an apartment lease for my school. Radius Global demanded that I pay the full amount when I was responsible for less than half of 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 explanation
Consumer complaint received 2024-02-21 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: GA

Complaint narrative:
I attended a nightlcub in XXXX  where my purse was stolen. A police report was filed with onsite officers. I recently obtained a copy of my credit report and noticed accounts that I have no affiliation with or any knowledge of. I contacted XXXX, XXXX, and Experian and advised them of the XXXX  incident and the fact that accounts that are not mine are reporting to my account. I also mailed in this information XXXX and XXXX and have not received a formal response. 

Reporting information to my profile without my written consent is in violation of 15 USC 1681B I researched this accounts thoroughly and they are not mine. Reporting accounts in direct result of identity theft is also in violation of 15 USC 1681 C-2 I noticed someone attempting to gain more line of credit in my name because they are credit inquiries listed. I asked that the unverifiable addresses where I never resided also be removed from my profile to prevent any further identity fraud. I still have not received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: NY

Complaint narrative:
I can not understand why I have been continuously denied a bank credit card for the past several years. I have no leases, no mortgage, no bank loans, never been bankrupt, and I have always paid my monthly credit card balances in full unless there's been an issue with the US Postal Service. Per my credit score report it says that I only use 9 % of my available credit limit. I have no long term unpaid bills. It makes no sense that I make over {$600000.00} from the manufacturing company I own, I own over XXXX income properties producing over {$1.00} XXXX in revenue, I have my taxes paid in full, and yet I am always getting denied an application for a new account. 

My most recent denial was for a XXXX XXXX credit card. I have done business with that bank for more than twenty years. Experian agency reported my denial for the following reason : 1. Number of revolving bankcard trades opened in the last 24 months. ( I've had none! ) 2. Average Open Balance. ( None! ) 3. One or more bankcards with a balance greater than {$1000.00} on credit report. ( Not true if I pay in full each month ). 4. # Revolving trade lines with Balance. ( Where is this coming from? I have none!!! ) I have over {$2.00} million in my checking accounts. I pay my bills all the time. Yet how can these agencies smear my name with continuous denials? Why can't I get them to show the number of accounts opened in the past 24 months? How can this occur every year?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: FL

Complaint narrative:
I was the victim of fraud, I request proof from XXXX  XXXX XXXX which they never provided and the case went to court and I was ruled against because I had no proof, the court issued garnishment against my wages which has been deducted weekly from my salary and paid to the attorneys representing XXXX  XXXX XXXX, which is not applying it to my account and continues to report me late monthly and also an incorrect amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I ( XXXX XXXX ) have reviewed my Consumer Reports and noticed that I had ( 1 ) one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX : ( XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: NY

Complaint narrative:
I ( XXXX XXXX ) have reviewed my Consumer Reports and noticed that I had ( 1 ) one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX : ( XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I disputed XXXX charges on my Bank of America credit card - XX/XX/XXXX XXXX Delivery {$35.00} XXXX TX, XX/XX/XXXX XXXX Delivery {$74.00} XXXX TX. My account was closed and new credit card issued. Then my dispute was denied due to " chip was read, your PIN was entered, and/or you signed for the merchandise or service. '' I called to get details about the transaction but they did not know. They reopened the claim but they are unable to give me status of the claim each time I call back. Just a bunch of transfers from XXXX department and different answers each time I call back. Seems like they are just making things up as the go. I asked for written confirmation that the claim was reopened and they say it's in the app, sent via email and they can not give confirmation. Answers just seem made up on the fly. Claim 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 2024-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/2024 Subject : CFPB to take off negative score. To : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15USC 6802. 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