vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: IL

Complaint narrative:
Good Whatever, My name is XXXX XXXX and I am filing this complaint because this is the XXXX  time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau has not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer are being violated. I am the victim in this situation and I can not even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: LA

Complaint narrative:
These inquiries were not initiated by me. I urge you to do a thorough investigation and remove them from my credit report. I have submitted supporting documents to validate my assertion.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
On XX/XX/2023 I opened an account with XXXX united mortgage and submitted paperwork that I earn money and that I dont have monthly only taking out as I can and I made my payments and then I was late I spoke to them and tried making partial payment and they did not let me so I had to wait till I can make the payment and it became even latter and now they have on my report that I was XXXX 90 days late which is not true and as I am looking they still have not posted it and or removed the late as I was promised

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Dear Sir/Madam, I am writing to formally register a complaint against Columbia Debt Recovery , concerning their conduct in association with XXXXXXXX XXXX . 

In XXXX of XXXX, I engaged with XXXX XXXX XXXX  regarding a rental unit inquiry. The application process necessitated a {$50.00} application fee and a {$450.00} deposit to secure the unit. Subsequently, following the processing of my application, XXXX XXXX notified me of its rejection due to the requirement of demonstrating a bank account balance three times the annual rent. 

While informed of the applications rejection, I was assured of the prompt return of my {$450.00} application fee. However, the property management took an excessive XXXX days to reimburse this deposit. Additionally, during this period, I was contacted regarding the return of my application check, which had been held for XXXX weeks before being deposited, raising questions about their operational efficiency. 

In XXXX XXXX XXXXXXXX, I received an email from Columbia Debt Recovery, ostensibly on behalf of XXXX XXXX, asserting a debt of {$75.00} without detailed itemization. Subsequent inquiry revealed this amount to comprise the initial {$50.00} application fee, accompanied by a {$25.00} returned item fee. Despite my immediate compliance with a payment plan, the company persistently pursued the inclusion of this matter on my credit report, disregarding my request for cessation and has caused my credit score to drop over XXXX points. 

I have attached documentation demonstrating my active payment plan, confirming my full settlement of the {$75.00} owed. However, Columbia Debt Recovery LLC, wrongfully took it upon themselves to record this item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding a dispute with XXXX over a collection account listed on my credit report. The issue pertains to the accuracy of the address associated with this account. 

Upon reviewing my credit report, I noticed that a collection account is attributed to a company located at an address in XXXX, Texas, when in fact, the company is situated in XXXX XXXX, Texas. This inaccurate address detail could potentially affect the legitimacy and reporting accuracy of the collection account. 

I took proactive steps to dispute this inaccuracy directly with XXXX. However, despite my efforts, XXXX failed to verify this crucial address detail before marking the collection account as accurate.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2024 I noticed inaccurate information on my consumer report and sent a notice of dispute requesting an investigation be completed by the XXXX major credit bureaus. Included in the dispute were XXXX XXXX XXXX & XXXX XXXX XXXX ; XXXX. After the investigation procedures were completed, the results were sent XX/XX/year> and Experian determined it would remain on my report. On XX/XX/year>, I sent a notice of dispute to Experian requesting validation of the allege debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). I explained that If their offices fail to respond to the validation request within XXXX days from the date of the receipt, all references to the account must be deleted and completely removed from my credit file. Not only did they not respond within XXXX days, which is required under the FCRA, but they didn't send any requested documentation validating I owe the allege debt required under the FDCPA. On XX/XX/year> I sent Experian a final notice explaining their completely unfair use of my consumer report and disregard for reporting accurate information according to the law. I explained how their continued reporting of invalidated information to my consumer report might constitute fraud under Federal and State Laws and my potential intent to sue should the issue not be rectified immediately by Experian 's offices.

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 2024-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today XX/XX/XXXX, I have received an email from CapitalOne QuickSilver saying I missed XXXX payments with a total of {$32.00}. Since I had not used the card for a long time, I did not know there was a charge. So I logged into the app, then found out there was a charge on XX/XX/XXXX of {$16.00}. Because there is no alert from the app ( usually have ) and no email alert, I was not aware there was a charge. Then it kept accumulating late fees for XXXX and XXXX. That accumulated up to {$62.00}. I called CapitalOne and complained. 

First. I never made the charge, so that was a fraud case Second. I have not received ANY ALERT whatsoever in any form ( they used to do that ) and it accumulated all the late charges and the most important it will report to my credit bureau and hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX  account was opened XX/XX/2023. Without any notice or reasoning Citibank blocked access to my account and funds on XX/XX/2023. Account was closed without reason or explanation on XX/XX/2023, at which time a check was mailed with the remaining funds totaling {$55000.00}. 

Several attempts were made to access funds, transfer funds both online and in person. Offered to show additional identification to assist with everything but was still denied access to my cash funds. Citibank made me late and delayed on several bills and altered my lifestyle by not giving access to the only funds that I had at that time, forcing me to take out loans and pay for things via credit were allowed, to stay current on obligations.

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 2024-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Patient Accounting Service Center
State: CO

Complaint narrative:
Today at approximately XXXX XXXX I called back a number that has been calling me many times but never disclosed who they were. I was told they were calling from a debt collector, identified as XXXX XXXX. He explained that I had a debt of over {$5000.00} from a hospital from 2021. Swing as I was not aware of this debt and it has been so long, I requested validation of the debt, as I have no recollection of it. I asked for specific details in writing, including the original creditor 's name, purchase agreement, debt incurrence date, and complete account history. Instead of cooperating, XXXX interrupted me, accusing me of being overly informed about consumer rights and watching too much laws. Despite my insistence on receiving documentation, he refused, suggesting I contact the hospital directly to get that information as his company wouldnt be providing me with what I am asking. 

I asked him if he was not capable of providing me with the information, When I pressed him for what information he could provide he said the invoice with the amount, I said I need that mailed. I'm concerned about the legality of his behavior and unsure of how to proceed. was not expecting to be made fun of for simply wanting clarity on the situation, and I find it concerning that he brought up the legal system in a mocking manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: SC

Complaint narrative:
Loan amount is incorrect. It Went from XXXX dollars to {$150000.00}.

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 2024-04-11 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: SC

Complaint narrative:
Loan amount is incorrect. It Went from XXXX dollars to {$150000.00}.

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 2024-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I was scammed via wire transfer for {$9700.00} out of my Wells Fargo account on XXXX XX/XX/2024. Wells Fargo froze my accounts less than an hour after the scam phone call. XXXX  XXXX XXXX contacted me on XX/XX/2024 and said they had the scammed wire transfer, and I went personally to my bank and they received this information. My bank said they would recover the funds and have them back to me within XXXX to XXXX business days. On XX/XX/XXXX I received a letter from Wells Fargo containing a Hold Harmless and Indemnity Clause that I needed to sign and send back in order to recover my funds so they could release my information to another bank. Nothing happened in 7 days, and my bankers told me the XXXX  XXXX XXXX had never received the paperwork. Wells Fargo had sent it to the wrong place. We sent it again and were told " within 3 - 5 business days. '' On XXXX XX/XX/2024, I received a call from the Claims Department. They said XXXX  XXXX XXXX could not return my money because they did not HAVE my money. When I said that I didn't want to have to get a lawyer to retrieve my money from their mismanagement, they said that I couldn't sue them because I had signed an indemnity clause. They told me today that they closed my claim.

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 2024-04-11 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: FL

Complaint narrative:
There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Despite multiple requests for reinvestigation, the responses received have not adequately addressed the discrepancies in question.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Good Whatever, My name is XXXX XXXX and I am filing this complaint because this is the XXXX  time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau has not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer are being violated. I am the victim in this situation and I can not even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've been experiencing difficulty accessing my Experian account and haven't been able to resolve it through their customer service channels. I've attempted to resolve the issue directly with Experian by calling their Consumer Assistance line there but have been unsuccessful in getting assistance or getting a specialist on the line. I am in the process of trying to purchase a home for my family and need immediate access to resolve additional issues from my credit report.

Whenever I login, it says " The username or password you entered is incorrect ''.

I proceed to do the " forget my password ''. Then I entered my phone number connected to my account to receive a verification code. I keep getting an error message stating, " This number doesn't match our records, please try again ''. I've had my number XXXX for years and used it to access my account previously. But for some reason I'm not able to now.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: KY

Complaint narrative:
I moved from this apartment XX/XX/2023 then XXXX weeks later after my lease was up they charge me for repairs cause by smoke damage {$2500.00} an I never smoked in the apartment then they say it was from frying food an not using my exhaust fan over the stove witch is not true plus I was not under lease wit them at the time they accessed these issues so I wouldnt be responsible anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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:
The late payments showing on my report are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
This is a loan that is fraudulent and I should not have to pay it. My school ( XXXX XXXX XXXX XXXX XXXX ) was deemed fraudulent and my federal loans have been forgiven via lawsuit XXXX v XXXX yet Im still being charged by navient for the private part of said loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to dispute fraudulent activity on my credit report due to identity theft. Upon reviewing my credit report, I have discovered accounts and transactions that I did not authorize or initiate. It is evident that my personal information has been compromised, and I request your immediate assistance in resolving 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 2024-04-11 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: SC

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 XXXX  XXXX XXXX, 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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief