vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: SLM CORPORATION
State: SC

Complaint narrative:
I was notified via email from my bank 's credit report that there was a new account opened with a private student loan company. I currently have one loan opened for repayment. I logged into my account to find a newly opened application for one of my previously attended colleges for {$32000.00}. I contacted the loan company and they were able to cancel the account and assist with placing a fraud alert along with the cancellation. I rechecked my credit report from my bank and was notified of a social security breach on the dark web.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX XXXX are nor fixing the incorrect balance reported of my XXXX  XXXX XXXX XXXXXXXX. 

After 8 months equifax still showing a balance of {$2600.00} affecting my credit score and causing damaging financial issue. i ask them to fix it but after XXXX  months still no update. 

My credit balance hasnt been update to equifax since XX/XX/year>. 
If XXXX XXXX doesnt want to report they have to remove it or update it with the correct balance. 

I contact both companies but unable to fix the issue Both XXXX and XXXX  are reporting the correct balance. 
I added some screenshot below to show the error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have requested the accuracy of my report. Midland credit has this collection as an open status. I have requested to show the account closed and XXXX close the account and then reopened twice. Midland has various variations on my credit file. The collection company is providing inaccurate information on my file. Please remove due to the open and closing this account multiple times. The account is inaccurate and continues to report as an open account. The FCRA states removal of inaccurate information.The open date is inaccurate XX/XX/year>. It also shows Midland as the original creditor. Please remove due to the many errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. 

( Original Creditor : XXXX XXXX XXXX  ) ( LVNV FUNDING LLC # XXXX C/O RESURGENT CAPITAL SERVICES ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. 

I contacted XXXX XXXX XXXX, LVNV FUNDING LLC, RESURGENT CAPITAL SERVICES and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a {$90000.00} advancing line of credit with Wells Fargo Bank that I have advanced {$90000.00} against it. The bank has offered me a payment assist option to get it paid off in 5 years at 1 % interest. Payment would be {$1500.00} per month and I would be paid off in 5 years, but I could only make payments against it and I couldn't borrow against the note. I like the deal but I can not make payments of {$1500.00} per month so I offered to do the deal at {$780.00} per month for 10 years.Wells Fargo refused to go 10 years on the payment schedule saying they can't do it but they never responded as to why they could not do it. To me it is basically the same deal, with only the time and payment amounts being different. I am XXXX XXXX XXXX and have XXXX XXXX XXXX. I have been a customer of the bank for over 50 years and never had a problem with them until now. Why won't they do the deal I have proposed? I have talked with over 20 people at the bank from Payment Assist to Executive Department and met with personal bankers and loan officer face to face and have not made any progress. They just refer me to someone else who will not help me.

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 2024-10-20 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
There was an unauthorized charge on my American Express gift card. 

purchase date : XX/XX/2024 Amount : {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FIFTH THIRD FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am an XXXX  service member stationed in XXXX  and would like the Louisiana SCRA applied to my account.

RS 29:312 - Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/2005, shall charge or collect from a person, or spouse of a person, who is on active duty interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven.

C. The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made.

D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than one hundred eighty days after the date of the person 's termination of or release from XXXX XXXX. 

E. Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: PA

Complaint narrative:
I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. ( Original Creditor : XXXX XXXX XXXX XXXX Collection Agency : XXXX XXXX XXXX Account # XXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. I have contacted ( Original Creditor : XXXX XXXX ) ( Collection Agency : XXXX XXXX ) Account # XXXX and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer report. ( I have provided a preponderance of evidence that the account does not belong to me and is a direct result of identity theft. )

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX and Goldman Saks are nor fixing the incorrect balance reported of my apple credit card Gc. 

After 8 months XXXX still showing a balance of {$2600.00} affecting my credit score and causing damaging financial issue. i ask them to fix it but after XXXX  months still no update. 

My credit balance hasnt been update to XXXX since XX/XX/year>. 
If apple card doesnt want to report they have to remove it or update it with the correct balance. 

I contact both companies but unable to fix the issue Both XXXX and XXXX  are reporting the correct balance. 
I added some screenshot below to show the error

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Sentry Credit, Inc.
State: NY

Complaint narrative:
Please see attached form sentry has mailed to me. Sentry has been calling me non stop from morning hours till XXXX XXXX  at night consistently every XXXX minutes. They call while I am at work. A woman had threatened to call my work and tell them about my debt. They are harrassing me and have been from an unknown number. I am homeless and have been the last XXXX  years and live in my car. There are certain bills I can not pay because the amount is too high. I am willing to work with the creditor but not if they are harrassing me and the amount they want is way too high. I make minimum wage and am again homeless and live in my car. I go without eating most days because bills have piled up and I am trying to do the right thing by trying to make payments when I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: CA

Complaint narrative:
Upon reviewing my credit report, I identified several inaccuracies related to my XXXX XXXX account ( Account Number : XXXX ), including errors in the reported credit limit, last payment date, term length, late payment activity, and date of the last report. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are legally obligated to maintain accurate and complete information. These errors are in violation of this obligation, and they have the potential to misrepresent my financial standing.

Under the authority of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must ensure the maximum possible accuracy of reported information, I am writing to formally dispute the inaccuracies related to my XXXX XXXX account ( Account Number : XXXX ). The errors include incorrect reporting of the credit limit, last payment date, term length, late payment activity, and date reported.

As required by law, I am requesting that these inaccuracies be thoroughly investigated and corrected. Due to the nature of these violations, I am requesting that this account be completely removed from my credit reports across all three major bureaus within 15 days. Failure to rectify this promptly may result in further legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ).

Thank you for your immediate attention to 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 2024-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX my PayPal account was used for a purchase on tik tok shop unauthorized. I woke up and saw transaction at XXXX and attempted to call in which they were closed. I attempted to open dispute online it didnt work. I reached PayPal after XXXX while I was working and completed dispute. I also reached tik tok shop to get information and no purchase showing so they could not help even after providing the transaction id. I send PayPal that information as well. I then get a denied claim as of XX/XX/XXXX due to be logged in at that time. I was sleeping so I knew that could not have been the reason. So I call and get no help I requested a supervisor and XXXX talks as if I am bothering her. She sighed throughout call and just didnt want to help I thought I called customer service and didnt receive any of that today. She sounded as if she didnt want to be at work and this was a supervisor in which she sounded like she was in the bed. Dont work in customer service if you cant give that. The frustration of someone stealing my money and then being treated like a criminal is sad and crazy. I requested information on why claim was denied and what I needed to do and was told I needed to mail in a letter. Not sure what the letter is suppose to say and why a letter is needed. I requested information on who I needed to contact not provided. The first agent did explain I wa denied due to being logged in I advised her to give me the times it shows me logged in because I knew I was sleep so I know that was false information. They were unable to give me the times then I asked if they reached tik tok shop to get payment information and where package was delivered, the agent advised it was sent to California! I am in Texas! Not sure if my information is stolen from the outside or internally at this point. Not sure what I need to do to dispute a payment that I did not authorize and I did not use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: ID

Complaint narrative:
I paid off my Milestone credit card in XX/XX/year>. They waited until XX/XX/year> to charge me a monthly fee- which they have never done before and I just realized today that somewhere along the line they signed me up for protection on my account without my approval and have charged me over the months without my knowledge different amounts. 
They never told me about a monthly fee or changes to my account. To my knowledge they have never charged me a monthly fee before. Nor have they told me about signing me up for protection. I want all money that I have paid for protection and or monthly fees back because they have never informed me of these charges and I never approved of these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-20 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
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 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 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 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-10-20 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
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 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 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 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: PA

Complaint narrative:
I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. 

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 Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. 

I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), another personal credit card account opened aXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), and a Charge-off account opened at XXXX XXXX XXXXXXXX with a XXXX XXXX {$730.00}, and another Charge-off account opened at XXXXXXXX XXXX  with a balance of {$610.00} XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

XXXX XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX TO, XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief